Income tax query

Hi,

I have a lots of doubts about Tax deduction.... Everymonth in my salary my employer is deducting some amount as a incometax, I wanted to know wheather I'll get a refund for the same from income tax or not... whats the way to get the refund from incometax?? I am planing to get the life insurance with a premium of 12000/- or 24000/- per year... I am planing a pay on montly basis 1000 or 2000 PM, If a pay one month premium can I show that as a investment proof to income tax???
 

Regards,

Naresh