These schemes invest in short - term (1 year) bonds, T - bills, other similar instruments with a maturity of less than one year. (groww.in)
Probably not yet, since speculation in bitcoin and similar instruments appears set to continue for some time. (allianzgi.com)
The difference in the premium you can invest into similar instruments that your insurance company is investing in, and you would earn more returns always. (money.stackexchange.com)