If you have term insurance of sum assured Rs.25,00,000/- for 25 years duration at your 30 years age, then your annual premium will be approximately Rs.7,300/-. That means you have to spend Rs.1,82,500 for your 25 years insured life. If you are alive after 25 years, then you will get nothing after your 55 years age. If you invest 90000 to 100000 in MIS Scheme then your monthly income will be Rs.600/- per month and yearly it will be amounting to Rs.7200. If RD Interest rate added then term insurance annual premium can be earned from your invested amount in MIS. Your principle amount will be saved and further bonus will be added after 6 years. You can continue it further 19 years. Do you think, this concept can be a good financial planning style?