image from GoDigit Your Money Deserves Better Every month, thousands of families across India faithfully pay their insurance premiums, believing they're building financial security. But what if your insurance policy is actually working against you? You're not alone. Millions of Indians have purchased money back policies and Unit Linked Insurance Plans (ULIPs) believing they're making smart financial decisions—protecting their families and building wealth simultaneously. Yet

Return of Premium (ROP) and money-back life insurance policies in India promise attractive benefits like premium refunds and periodic payouts, but these features often come with significant hidden costs and poor long-term value that undermine both protection and wealth creation goals. These policies typically charge 1.5 to 3 times higher premiums than pure term insurance while returning money without interest, offering fixed payouts that fail to keep pace with inflation, and