If I am not able to pay the LIC premiums

[Rahul]

I stay in Kolkata. I am planning to take some LIC policies, but I have fear in my mind that I might not be able to pay the premiums in future. Please let me know -
1- What are the options available, if someone is not able to pay her premium?

- Surrender Option
- Take premium holiday
- Don't pay premium for some time and later reinstate the policy (not a good idea)

2- Will I get back my premiums that I have already paid?

Depends on the type of policy and terms and conditions of the policy.