Which is best insurance & investment policy from SBI/LIC company ? Please read full.?

5-8 years is way too short a time frame for using a life insurance policy for its cash surrender value, you need to get really lucky to make anything. Variable life policies are meant for those with an insurance need and long term, 20 years or more time frame in general. there's too many expenses in a policy for probabilty of much gain in 5-8 years. and most companies policies are the same regardless of how you purchase them. sometimes a company will file adifferent cost structure policy to be sold through an 800 # or online application, but frequently not the same features/benefits as the more common agent sold policy. when it comes to legal and financial matters most people are better off working with a professional directly.hope this helps, good luck!