How to avoid endowment insurance plans?
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I know you all must have faced this kind of situation at least once in your life, when one of your relative or close friend trying to sell you a endowment policy. How to avoid this? How to make him understand that there is better ways to invest. like one of my close friend telling me to buy this Aditya Birla insurance plan.
When I said I do not like endowment plans, she is like its worlds best plans, guaranteed return etc etc etc. It is not like It is some new plan in market. When I told her to share the policy brochure, I find its it same oldage endowment plan like LIC and all bank inirance plans where they they will add Bonus every year. What is this bonus thing? due to this bonus thing I find difficult to make her understand her policy is not good investment. Is not this Bonus thing depends on market, it is not always contanst bonus every year. Could someone show me a better calculation to show to these insurance agents that there are simple investment plans in world then their guarantee bonus plans.
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I know you all must have faced this kind of situation at least once in your life, when one of your relative or close friend trying to sell you a endowment policy. How to avoid this?
Tell them frankly, Jitna tujhe commission milega woh mere se lele but mera khoon peena band kar 
Break friendship/disown that relative
Anyone faced the first premium gift policy offers by relatives/friends?
I say NO clearly.
Either say that u don’t have money or if they know that u have enough money (which is more likely, that’s why they have choosen u for bakra) then tell them that u r planning to buy a new home soon so no planning of investment as of now…
Yes exactly that I was planning to tell her. that I invested money in real estate just few days back. So no money now 
Check this illustrated given by the endowment plan.