I am a 32 year old male earning about 9 Lakhs per year. Recently married and with no health related issues. I am looking for a term plan for 25 years. Earlier I wanted to take LIC online term plan and delayed my decision waiting for the LIC online term plan. Now, I don’t think it is going to come up soon and wanted to get a term plan cover at the earliest. I have shortlisted HDFC click2protect, ICICI prudential Icare and Aviva ILife after looking at various things like claim settlement ratio. I am not sure about which one to select. I checked the feedback about all the three companies online. ICICI Prudential has a lot of bad reviews from customers. HDFC mixed and Aviva good. But the issue is I am from a small town and in my search I found that Aviva doesn’t have many offices at my place and thinking if it may be an issue in the future. HDFC and ICICI have offices near to my place. Is it fine to go with HDFC click2protect ? any one have good/bad experiences with HDFC click2protect ?