India vellinappudu FD's gurinchi discuss chestunte bank vadu SBI Life ani oka option ichadu. Advantages: All money you invest and get returns is Tax free for NRI's its like mana 401K option in US. oka plan 1.5L per year. minimum nunchi start inkoti 6L per year.    6L di invest chesa..yearly you put 6Lk for 5 yrs, you get interest of around 9% which is tax free. added on top of that you will have accidental death insurance - 60L for 10years no premiums mana