Question: what to do with 2 crores?
Answer: Your 2 crores get invested in real estate and will appreciate with time. Again, if you sell your flat after 10–12 years, you are likely to at least double your investment. You will get 4 Crores. Whereas in the case of a LIC annutiy plan with money back, your children will get only 2 crores even after 50 years!