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Asad Akbar

Dear

You can not compare apple with orange .

Every insurance product has three components

E : expense , less in term more in endowment .

M : cost of mortality , same in term and endowment .

I : investment , zero in term and yes in endowment as per survival benefit .

All endowment product has term insurance in it . You remove investment amd it will become term .

Hope this clarifies

Shailesh

Insurance Samadhan