Many people consider the premium as the deciding factor while buying a term insurance plan. While this is important, you should also consider product features, claim settlement ratio, and other parameters.
Broadly speaking, there are only two types of life insurance policies – ones that offer only a death benefit (Term insurance) and others that offer death + maturity or investment benefit (e.g. Endowment Plans or Unit Liked Insurance Plans).
If you give any of the mention excuses, you might be inviting a trouble in yours and your loved one's life. Read and take a smart decision of buying a term plan to create a shield around you and your family
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