Hi Manish,

First of all Thanks for this beautiful Blog. This is completly an eye opener for me the way I was looking at financial planning.

I really feel humble after reading your analysis

I come across this LIC policy 'Jeevan Saral' from two LIC agent. This is told as any time money(ATM) specil plan. This is like an RD and with maturing benefit after10yrs.

 for 35yrs policy (primium of 36000 per annum), the return is around 1.07 CR.

My Age is 32 yrs. I am having one term insurance from LIC of 25lks. I have 2 SIP from Mutual fund.

I would like to know your view about this policy.