Iam already having ICICI Smart Kid-Regular Premium and paid premium in June2011 of Rs. 20369/-, including riders. Insurance-4Lakhs and Riders-4Lakhs.
But after that I came to know that returns are very less. Now I can not get that 20369/-.
I feel better and most people advised me to take Term Policy for 10Lakhs, and invest remaining amount in HDFC prudunce.
My doubt is whether to foregoing 20369/- is right decission for Long Term.
R Siva Prasad