Insurance : Endowment vs Term Insurance

Some useful articles to read :

http://www.investmoneybetter.com/2010/01/term-insurance-vs-endowment-insurance.html

http://www.jagoinvestor.com/2011/06/online-term-insurance-india.html

http://www.insurancexray.com/164/why-you-should-say-no-to-endowment-policies/

How to surrender LIC Jeevan Anand : (Better go for Paid-up option)
http://www.vinayahs.com/archives/2011/01/18/how-to-surrender-and-close-your-lic-jeevan-anand-life-insurance-policy/

http://www.jagoinvestor.com/forum/lics-jeevan-anand-policy-surrender-value/854/