am 32 years of age. I want a insurance of Rs.20 lakh or mor

I am 32 years of age. I want a insurance of Rs.20 lakh or more and get back my premium back at the maturity with profit. In this regard, I select ICICI pru Ace policy to buy. For this a illustration has been provided to me by the agent in which my annual premium is Rs.24,000 and insurance is nearly Rs.15 lakh for 30 years. the illustration further shows that after 30 years I may be received Rs.28 lakh @ 10%. Please advise me whether I purchase it or not. There are no premium allocation charge but other charges are mentioned. The plan under this illustration is trigger and fund opted for multi cap growth fund (75%) and Income fund (25%) as mentioned. Pleaze advise me soon. my email id is deepak_dps@in.com.