Measuring of –

Investment Returns = How many ‘times’ has the money grown over period of time.

Insurance Cover = How many ‘times’ is the risk cover on an annual premium.

A Hybrid product of “Investment + Insurance” (delivers) = (square root of the actual investment return + square root of the actual insurance cover).

A Hybrid is a Hybrid – neither an appropriate Return nor an appropriate Risk Cover

Pure Investment options for Actual Returns

Pure Insurance options for Critical Risk Covers.

Mix & Match works for dresses, not in mixing Investments & Insurance.