I am 37 year old and want to take term insurance covering maximum age but i am confused weather to go for term insurance with no return or for term insurance which give back money after completion of term like iraksha trop of simple iraksha. (i want to pay for 10 years only ie years while i am earning).
Secondly i am thinking if I go for term insurance without return and depositing remaining amount which otherwise i will give extra for money back term insurance; i will accumulate more then what i will get in money back term insurance.
can some one have calculation of this and guide me with calculation taking my date of birth in consideration i.e 10may1976.