Life insurance policies are not just for insuring life anymore. They can also help with saving and investing money. Different types of policies give different rates of return, and mortality affects these rates. Endowment plans have higher returns with mortality factored in, while unit-linked plans are better for pure investment. The rates of return follow a pattern similar to the capital asset pricing model. This study suggests that more research is needed to look at other risks and different types of policies from various companies.