SBI Life smart platina assure:insurance or investment?Truth of guaranteed/assured return calculation

SBI life insurance smart platina assure plan is another one which talks about assured returns. Swati b wealthy checks out the benefits and the guaranteed return claims. B wealthy finds out how good this investment is. Is It good investment or a bad investment? What are other options to invest this money? Is it better to put this money in a mutual fund or stock market? So, what is better life insurance or mutual fund?What about the safety? If one wants to make a safe investment what are the options against life insurance investment plan? B wealthy does the calculation and finds out that it is better to split the same amount of money in a term policy and ppf separately. It will give, safety, secured return and better and bigger life coverage. So , who wins, Life insurance or PPF?( public provident fund). How to look at the calculation for assured returns.
कैसी है SBI life insurance smart platina assure पॉलिसी? निवेश करें या नहीं? कितना रिटर्न, कितना प्रीमियम, कितनी सुरक्षा, कितना बीमा कवर? कैसे कमाएं ज्यादा? कैसे पाएं बेहतर लाइफ कवर और ज्यादा रिटर्न? गारंटी के साथ रिटर्न।