You have to be really careful while choosing your insurance scheme. Believe me, I am deep in the middle of this shit.
If you want insurance only go get it. I would suggest that you don’t try to invest in unit linked plans. They will say that you will make a truck load of money, but you may not. There are a lot of things that they won’t tell about life insurance rate. If you want health insurance or other insurance, go for them. But if you want to make money or save on taxes, go for mutual funds or systematic investment plans (SIP).