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Suggest me a best term plan?

Hi,

I am 28year old, unmarried working as a software Engineer in a MNC in Banglore. 

I want to take my frist term policy for 50lacs.

I am ok with either online or offline, but not able to decide which one to buy.

Can you please suggest me good term policy?

And also I have some questions on riders.

we have riders like Accidental, Criticle illness riders addition to term policy. Why to take those riders? If death occurs due these(Accident or Criticle illness) will not the sum assuered paid? Why do we need them? Can you please explain me.

 

Thanks,

Anand.

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