You are planning to buy a term insurance worth Rs 1 cr. You are 25 years old at the moment. Agent suggested you to buy the term insurance plus personal accident rider which will increase the coverage to 2cr if death or permanent disability happens due to an accident. The term of the plan is 40 years and you will be required to pay Rs. 40,000 every year. He also suggested you add an investment plan to the base plan where you will be investing 2 lakhs every year for 20 years and thereafter from the year 21 onwards you will receive 2 lakhs every year for the rest of your life till 99 years of age. If you live till 99 years you will receive 1.5 cr as a maturity amount and investment plan will stop. Will you opt for this entire package or part of it? Discuss. Also show the calculations wherever applicable