Insurance any idea

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There are many of the Banks und finance companies now a days are giving very offer to Insurance Policy holders und moreover they are attracting many people and customers to Take atleast a Insurance in their banks by saying that we are giving many offers,high interest,medi claim,accident claim,disease claim,und they have fixed deposits they are saying that after many years ur money gets matured and u will be yielding this much money. I dont have any idea abt it,whether it will be useful for me like middleclass peoples give some ideas if u have