Term Insurance Vs Endowment Plan: Which One Should You Actually Buy?

Every week, someone walks into our office having paid premiums on an endowment plan for 5–10 years, only to realise the cover is nowhere near what their family actually needs.
The policy was sold as "insurance plus savings" — which sounds sensible — but when you do the actual maths, neither the insurance nor the savings part is doing its job well.
This confusion between term insurance and endowment plans has cost Indian families crores in lost wealth and inadequate protection. So here is a clear, honest breakdown of what each product actually does, where each one makes sense, and the specific situations where one is the wrong choice entirely.

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