What is the best for a young man for long term savings, like unit linked pension plan et al. who offers the be

These days there are many options for pension plans with several riders ; A hordes of never heard names are floating in the market , like Aviva, Max Newyork, AXA besides our age old LIC, UTI. All claim to have best track records and offer the best scheme. I do not know whom to trust and do not understand their satistics of track records. Please tell me what is the best and how to comperhend that.

should surrender unit linked insurance plans?

I am 33 year married male blessed with a baby daughter 2 year old and expecting another in next few months, wife is a house wife, getting 25 k working with BHEL (PSU),I have few ULIP plans and few traditional plan and do saving as below , the most I am worried is three ULIP PLANS I have,as I have read a lot negative about ulip plans,please guide me what should i do,should i retain these ulips or should surrender.
LIC Jeevan Aadhar(money back) from Feb 2002 @for 20yrs with premium of rs 7000/yr,
LIC Jeevan saral from Nov [email protected] 20yrs premium of rs [email protected]/month,
Birla Sun life Dream Plan-Enhancer fund 100 % fromNov [email protected] 20yrs premium of rs 12024/yr ,
Birla Sun life Saral Jeevan –Creator fund 100 % from [email protected] 20yrs premium of rs 12258/yr ,
HDFC Young Star Plan-Balanced Fund from Nov [email protected] 15yrs premium of rs 20000/yr,
Beside above I have PPf A/C with SBI and keep investing on an average 1000 Rs /month and also welfares with our company-Free Medical Unlimited, Death Relief Fund ,gratuity etc.I do SIP of 4000/month in UTI opportunity fund, reliance regular saving,HDFC TOP200,ICICI Discovery fund-all growth option.

Is it advisable to invest in Unit Linked Pension Plans (India)?

There are various schemes from Insurance companies called ULIPs and Pension Plans. There is a general notion that the initial ‘allocation charges’ are fantastic: even upt to 100% of first annual premium. Hence my question is: is it still possible to make money after paying hefty charges to the companies? Is it possible to get income greater than bank FD interest rates? I would prefer answers from people who actually lost or gained.