New Delhi, May 6 -- Many Indians who bought a life insurance policy before 2010 may not realise how valuable it has become. These old policies, especially traditional ones like endowment or money-back plans, are now giving returns of up to 15%, and that too tax-free. Experts say this is possible because older plans had high bonus rates and guaranteed maturity benefits. With interest rates on other savings options staying low, holding onto your old policy could be a smart financial move. This post explains how such high returns are possible and what you can do to get the most value from your old policy. Even if you have a term insurance plan, this guide will help you understand the role of insurance in long-term financial safety.

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