48 annually 20 year 960000 (actuall) = 2528000 insurance 100000 accidental 2000000 incase of death bonus start from 3rd year locking period 10 year tax 80c save upto 100000 tax 1010D return is 25280000 flexibelity if more than 10 year can withdraw money ... or stop the plan can take loan after 3 year 90% of saved amount if close before 3 year will get nothing but if close ast 3rd year will get 80% of actual saving 4th 90% in 5th year 100% ******************************************************************************** *************************************