Hey Maitya, I think you should avoid taking endowment policies if you are not such a low-risk taker and you don’t want to play it too safe. Although there are others as safe options as this one but considering the fact that the endowment policies usually have low returns and low profitability. So, if you are looking for an investment to fetch you higher returns then maybe split your savings and invest in endowment policies simulataneously with something else or don’t invest in it at all.