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Question on Aegon Religare iTerm plan

Hi,

I thought of going for HDFC Click2protect term plan. But even for 1 crore there is no medicals (http://localhost/jagoforum2/hdfc-click-2-protect-without-medicals/6771/). Finally I have decided to go for Aegon Religare iTerm plan for 1 crore SA. I am stuck up on below 2 points. Can you please helpe me out
1. Aegon provides coverage upto 75 years of age. or 20 25 30 35 40 years. I am confused which policy term is better to get maximum benefits?
2. Annual payment or onetime payment? Which is better to get maximum benefits

Waiting for your valuable suggestions

Thanks,
Chetan

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