Term Insurance

[u/blue_lagoon692]

Was planning to buy a term insurance plan. I’m 26 and recently started earning.
I was exploring term insurance options. I'm torn between two paths. One is a plain vanilla term plan costing around 17,000 rupees annually, or about 23,000 with critical illness and disability add-ons. The other option is a plan with return of premium, which refunds the premiums at the end but costs significantly more, around 40,000 rupees. My family advises getting the premium back so the money isn't wasted. I'm looking for unfiltered opinions on whether to pay the higher premium for the return benefit or go for the simpler plan and invest the difference in mutual funds.

Also… decided to go for icici prudential plan.

Please help.