Srinagar, May 19 -- But that clarity often disappears when we invest.

A friend shares an emotional story about how an insurance plan "saved" her family. A salesperson warns that the offer expires tonight. Someone shows us a chart promising "guaranteed returns." And just like that, we're signing up, without asking whether it fits our needs.

Many insurance plans are sold as investments, but they're not. They're safety nets, not growth tools. They often come with long lock-in periods, hidden charges, and lower returns than other options. That may be fine if your goal is protection. But it's a poor choice if you're looking for growth.

The problem often starts with how these products are marketed: emotionally, urgently, and sometimes unclea...