I think LIC new Jeevan Anand policy is the best policy I have ever seen. I took this policy for 25 years. I give my premium quarterly. And its policy terms and conditions is very good for New customers. It has also a death claim. Its customers service is very user friendly and trusted. But sometimes agents are irregular to collect my premium. Its premium function is very easy. I can pay Monthly or Quarterly or yearly. But I choose Quarterly option. I can also pay my premium through Online directly. LIC has lots of plans but among those LIC new Jeevan Anand plan is the best I think. That’s my opinion