Kotak Mahindra Insurance

I need a best life insurance policy that can get better returns with the risk of life cover.My annual salary of 1.8 lakes annually.

private sector companies are reliable. As informed by an expert www.InsuranceMall.in all insurance companies through liquidity and solvency standards for coverage with us. They have huge deposits with insurance companies that their sum assured + emitted grows they are required to infuse more capital into the company. So they are really safe.
LIC and SBI give a comfort factor, because it is a long-term, but I still recommend making a cost-benefit analysis of reliability.