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LIC Amulya Jeevan + Kotak e-Preferred Term Insurance – how good is this?

Hi Money Geeks!
We are planning for term insurance of 72L for my husband and are about to finalize a combination LIC Amulya Jeevan (25L) and Kotak e-Preferred (47L) term insurances. What do you people think? Are they good choices?
While researching on Jagoinvestor, I have realized that LIC online term plan is coming… premiums will be 15-20% lesser than what are right now. Can we convert/change our LIC policy later?
Thanks!

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