Here is the premium payment for sum assured of Rs. 30lakhs for 20 years for a 30 year old male.
Insurance has to be treated as protection and not an investment from which you can expect returns. But still if you have to choose between the two types of plans, consider your needs and alternate investment avenues for the extra premium that you will pay for a Term Plan with Return of Premium. If these alternate investment avenues are more beneficial, you should go for a term plan and invest the remaining amount in other assets as per your financial plan.