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If you can take risk and want more return then you should go for Mutual funds as you can plan your portfolio.
Otherwise take Postal finance as an investment option, you also get tax advantage in this case.
Under no circumstance go for Insurance as an investments. Search on net there is a plenty of evidence for this.
Depends on your needs and preferances
Postal finance Secure, low returns, tax incentives, high liquidity
Insurance : Secure Marginal returns, More higher risk, tax incentives depending on the schemes, plus insurance cover for a premium, not liquid
Mutual Funds Not secure, High returns, tax incentives depending on scheme, comparatively less liquid
Mutual Funds
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