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Which is better - PF vs LIC policy?

The following table provides the points of differences between the EPF and Life Insurance Corporation Policy:

Basis

EPF

LIC

Type of product

Investment 

Insurance

Purpose

Savings

Risk protection

Returns

8.65% for FY 2018-19

6%-8%

 

As the above table clearly shows, EPF and LIC policy are entirely different products and ideally, investments and insurance are not sufficient alone, as both the products have different utilities and purposes.

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