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Endowment Insurance vs Term Insurance

There are 3 main types of insurances
1. Endowment Policies [With money back ]
2. Term Policies [Without money back]
3. ULIP type

Term insurance
- this is a fixed term insurance .. say 20 yrs, 25 yrs etc
- it gives protection, but no investment, no cash value at maturity
- high protection, low saving.

Endowment insurance
- this is also a fixed term insurance - 18 yrs, 30 yrs etc
- it gives minimum protection, but higher cash value and savings
- this is more for retirement saving or education fund saving.
- at maturity you get a maturity value normally more than the money you put in




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