Which one is better LIC Money back policy (20 years or 25 years term) or LIC Jeevan Anand (20 years term)?

[chonyaks]

I'm chon from Dibrugarh. I'm looking for an LIC policy. I'm 27 years old, employed. Can you please tell me which one is better LIC Money back policy (20 years or 25 years term) or LIC Jeevan Anand (20 years term)? Really confused. I'm looking for life cover as well as lump sum interval return.

Sum assured: Rs. 10,00,000
Premium payment: Monthly
Nominee: Spouse, no children
Loan on policy: optional

Please help me Sir/ Ma'am.

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[Madhura]

LIC Jeevan Anand is better than LIC Money back policy.

What is your purpose of buying these policies?

[Manish_Kumar]

I'm looking for life cover as well as lump sum interval return.

For life insurance buy term insurance and for investment go for PF, FDs, Gold or MFs - all these give you better return then LIC policies.