My age is 33 year and have 2 daughters, 9 year and 2 year old respectively. Please suggest me best life insurance policy, so that I can get good returns with least premiums. I want to make sure that, I have enough money when my daughters reaches 18 year. At the same time I want to make sure that I have good amount of money in my hands at retirement after 10-15 years. Please suggest other than ULIP, preferably LIC policy.