hello freinds

as i see this website and think to protect my faimily with some insurance.

so i googled about this.but one thing confusing with me that.

my freind cum policy adviser said that i should not take online policy because at time of claim there are many issuses with online plans ratheer than who go with offline.

one more thing i m not going to buy policywith him so his personal intention is not there to earn something.

what i decided

my age=23

termplan=30year

s.a=30lakh(LOL bcz for 50Lakh my income is not handsome enough as per company rule)

please help me for this as fast as possible.