My son just turned one, and he is the best thing that happened to us (apart from marrying each other!). My wife also works, and is earning well. Before my son was born, we both could survive independently. Now a new live is dependent on the two of us. What will happen to him if something happens to us? That is why I thought I need to go in for an insurance plan. However, I am also interested in increasing my returns and savings. Is there a way I can do both?