pay 1.5 Lakh for 12 years and get 135060 from 14 th year up to 48th year. after that our money is over. death benefit is fixed at 18 lakh after 25 years. total pay for 12 years - 18 lakh. @1% monthly interest for the yearly premium the value after 13 years - 42,52,235/- if we earn 1% monthly Interest of 1% on this 42,52,235/- we get 42,523/- monthly or 5,10,269 yearly and our actual money will always be there. but tata pays only 135060/- per year for up to 48th year and our actual money will become zero. @2% monthly interest for the yearly premium the value after 13 years - 1,15,70,613/- if we earn 1% monthly Interest of 1% on this 1,15,70,613/- we get 1,15,706/- monthly or 13,88,474/- yearly and our actual money will always be there. if we earn 2% monthly Interest of 1% on this 1,15,70,613/- we get 2,31,412/- monthly or 27,76,947 yearly and our actual money will always be there. but tata pays onl...