I am trying to purhcase a term insurance and my age is 32, i have done comparison of premium as well as feature of insurance from policybazaar.com etc, still i have doubts to buy that how to choose right company because somewhere premium is high and somewhere is low and if we talk about HDFC life there’s claim settlement ratio (CSR) is 95% but premium is very higher comparison with others so please suggest me how to choose right term insurance company to buy so that after buying, we should not feel.
I am physically handicapped person with 75% of disability on left leg only, but i am working in a software company and i am office going person.