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There are some people who are looking for the cheapest life insurance policy to accomplish their protection need. However, at the same time, there is another category of people that likes to invest the maximum funds in the insurance schemes. When posed with the question why, they simply reply- more investment means more returns. The question here is- is it prudent enough to invest out-of-the-limit in insurance schemes, even if these schemes belong to unit-linked category? The simple answer is no.