I am a NRI currently in the UK with a possible plan to return back to India in the next 5 years. I want to invest in India for my 3yrs son . Can anyone please be able to inform me as to which are the best policies for (only) insurance ? and which are the best policies for investment (with the aim to provide a lump sum for his future education, etc). I gather combined policies (insurance and investment) are not great. Hence this question.