Insuranace policy for an indian aged 35 years?

I am 35 with 2 kids. i am the only working member of my family. I would like to have a simple insurance whereby I pay a sum of Rs.2000 or 3000 annually and this should give me a life cover of Rs.30 lakhs or so. I do not wish to have any return from any insurance policy. Is there any policy. I am told there are policies like this. From where in India i can buy such a policy. Please help
my monthly income is Rs.18000 per month. I can pay upto 3000 or 4000 for a cover of Rs. 20 lakh or so.
This type of policy works like comprehensive car insurance. If there is any theft any accident, the insurance co. pays, otherwise u get no return, only insurance.