According kotak assured insurece plan we have to pay 31,200 per year, after 20 years you pay me yearly 28,500 something ok, your plan is 30 years plan,

MY calculation i paid a amout of 9,36,000 for 30 years in that you pay me 560000 (approx) for 20 years ok. 

my maturity amout is 3,00,000 something, so you return my own money what i have paid to you in that what benefit i had nothing else, if i have any benefit or not about this plan explain?