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Say, a 30 years old person earns Rs. 80,000 pm and invests Rs. 18,000 annual premium for 20 years in policy 1. In case of his demise, his family will get Rs. 2 crores and Rs. 80,000 per month for next 20 years. However, if he would have invested in policy 2, on his demise his family would get Rs. 2.64 crores.

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