I too agree with admin.
(1) If you are opting PLI for tax purpose, then ELSS is the best for tax saving.
(2) If u r opting PLI for insurance purpose,then term insurance is the best.
(3) If u r forced to take PLI for some reason,then choose the no. of years as minimum as possible.I calculated and found that the return for PLI with less tenure is always more than that with more tenure.