whatever it is, i would advise against taking such an expensive insurance plan (relative to your income).

If you are looking for some low risk investment, and with short-term return visible in 3-5 years, this is NOT it. I've been highlighting is that, HLA EverGain Plus is an investment-linked insurance plan.

means insurance plan with investment element. NOT a investment product.

but since as you have mentioned that you have no clear vision, it would be bad to get committed into an insurance plan, as you do not want to regret from getting committed to an insurance plan.

not to mention when you expect to get a car.

INSURANCE IS A LONG TERM COMMITMENT... regardless what any agent says...

Personalised review of your policy needed.

Depends on your needs, etc. Hair already wet for 3 years.

But ya, 100k kinda low for "MLTA"