I am looking for a term insurance, for the maximum cover (upto Rs. 1cr) for maximum period as my age is 22.
I am confused between the following 4:
-HDFC (C2P or offline)
-Bharati Axa (Good premium with the family care benefit of Rs. 1lac within 48 hrs of death – without investigation)
-Kotak (Have heard it is good, also gives an option to convert to other plans after 5 yrs of policy commencemnt)
– Aviva (Gives coverage upto 75 yrs of age)
I have heard that birla sun life is also good..is it so ??? I have still not looked out for that.
Which one shall i go for ???
Offline is better than online ???
The claim settlement ratio should be good, should cover all type of deaths,and the company should survive in future, i am not willing to take risks.
Please advice.
Thanks