If you survive till the policy years, all the money you have paid as the premium will not be given. Term insurance is the high protection for your life. You have to sacrifice some money for your family protection. If you are looking for any profit, then invest in some other areas like mutual funds.

Thanks,
Krishna

As you have given an example of a 30 year old taking a policy for 20 yrs he will be 50 yrs then, when the policy matures . what happens then if he still alive at the age of 50. is the policy still remains in force till he dies. or the premium he has paid has all gone in vain because he did not die during that policy term.