insurance, investment and savings Comparison:

Category	Insurance	Investment	Savings
Purpose	Financial protection	Wealth creation	Short-term security
Examples	Term plans, health insurance, LIC plans	Mutual funds, stocks, ULIPs, real estate	Bank savings, FDs, RDs
Risk Level	Low (focus on protection)	Varies (low to high, depending on product)	Very low
Returns	Generally low (not primary goal)	Moderate to high (market-dependent)	Low and fixed
Liquidity	Moderate (partial withdrawal possible)	Depends on product (can be low to high)	High (easy to access)
Tax Benefits	Sections 80C, 10(10D), others	Varies (e.g., ELSS under 80C, LTCG rules)	Limited (e.g., tax-saving FDs)
Ideal For	Family protection, long-term security	Growing wealth, beating inflation	Emergency fund, short-term goals

Let me know if you’d like to turn this into a visual for presentations or a social media-friendly post—it could really resonate with clients who need a simple explanation.