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How to split buying Term Insurance from Kotak Preferred and Indiafirst?

Hello,

I’m 29 yr old smoker, and looking to buy a life insurance for 1,60,00000 total split between Kotak Preferred term and Indiafirst Life Plan.

Can someone suggest if these are good choices?

What will be the best way to split the coverage between these two policies?

Thanks!

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