This document discusses common myths and realities about life insurance plans. It notes that while a life insurance plan may provide a monthly payout of Rs. 5000, it may not be sufficient to support a family's monthly expenses of Rs. 40,000 after the policyholder's death. It also clarifies that life insurance policies have low expected returns, around 6.8%, and any maturity amount needs to be calculated in terms of present value rather than future amounts. The document concludes by stating that life insurance is meant for family protection, not tax savings.