Is it worth buying Return in Premium Term plans in comparison of pure term insurance plan?

[Nitish...final]

Lots of companies are launching return of premium term insurance plans. Recently Aviva launched Online Return in Premium Term Insurance - i-shield. Is it worth buying these plans in comparison of pure term insurance plan?

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[Manish_Kumar]

I would say that each product is designed to focus on a particular segment. Nothing bad in this type of product.

As per your example in the above thread - the Aviva's i-shield term plan is giving you 110% of the premium paid. Which is 10% more than the other similar products available in the market (They give 100% return of premium paid, if insured survive the policy term).