LIC Plans in 2026!

Do you think taking an LIC policy is bad? If yes then tell me how to select a good LIC policy (on what factors). If No, tell me why it is not an good option. What are the other alternatives for the LIC policy are good to consider?

I got few recommendations ot to go for LIC policies, that's why I am asking. Also, of you have taken new policies, please share why should one do and how did you choose that policy? It would be very helpful!