I am 32 yrs female looking for securing the future. I am the only earning member with two 1 yr old kids. I have discontinued all the other insurances that I had before and looking for fresh plans in market. My employer provides good insurance amount but I am not sure how long I would work in the same field. I can provide all details honestly while taking premium but looking for a hassle free settlement in case of any problem.
1. I am thinking of insuring myself for accidental insurance, critical illness coverage, physical disability insurance (abt 10-20 lakhs each). I do not want them as riders with other insurance policies. May I know which is good/best among the various insurance providers?
2. I am also thinking of Kotak e term insurance for a coverage of 1 cr (30 yrs term and I\’ve already check the eligibility for all the above mentioned insurance together with few insurance companies who say that I am). Pls suggest if there are better options.
3. Are riders with term insurance a better option in my case?
4. I have zero investment/negligible bank balance as of now due to some financial crisis last year.