Endowment Plans – Means you get lump-sum benefit of maturity, Life cover and savings are main benefits in this policy. Some riders add  and become tension free for long life, e.g. Jyoti Bima ratna, Dhan sanchay, Jeevan anand, Jeevan lakshaya, Jeevan labh, Aadhar stambh, Aadhar shila….etc