Also the Khargosh "hare-brain" has conveniently omitted how the premium compares to a term plan premium.Let's compare a 30 yr old individual taking a 1 lakh Rs cover for 20 yr period. The annual premium for the Jeevan Anand is Rs. 5660 and that of SBI Shield a term plan for 3 Lakhs (i.e the minimum) is Rs. 827 only. N