LIC offers several money-back policies with a 3-year surrender period. These policies provide a combination of life insurance protection and regular payouts, making them a good option for those who want to save money and protect their family.


**Here are some of the LIC 3-year money-back policies:**


* **LIC's New Children's Money Back Plan (Plan No. 932, UIN No. 512N296V02)** This plan is specifically designed for children and offers money-back payouts at the end of the 5th, 10th, and 15th policy years.


* **LIC's New Money Back Plan - 20 Years (Plan No: 820, UIN: 512N280V01)** This plan offers money-back payouts at the end of the 5th, 10th, and 15th policy years, as well as a maturity benefit at the end of the policy term.


* **LIC's New Money Back Plan - 25 Years (Plan No. 821, UIN No. 512N278V01)** This plan offers money-back payouts at the end of the 5th, 10th, 15th, and 20th policy years, as well as a maturity benefit at the end of the policy term.


**All of these policies offer the following features:**


* **Life insurance protection:** If the policyholder dies during the policy term, the death benefit will be paid to the beneficiary.


* **Money-back payouts:** The policyholder will receive a percentage of the sum assured at the end of each specified policy year.


* **Maturity benefit:** If the policyholder survives the policy term, the maturity benefit will be paid.


* **Participation in profits:** The policyholder may be eligible to receive bonuses based on the performance of the LIC.


**Please note that the details of each policy may vary. For more information, please visit the LIC website or contact an LIC agent.**