mr. senthil, I agree with you. but term plan also have one big loopwhole. as if somebody age now is 25 years and he take term plan for 10 years. and after at his age of 35 he again needs insurance. but then maybe due to these days lifestyle. he may have so many health problems.(sugar, BP. etc) then maybe he is not able to take insurance again. so i think lifelong is best option. abhiram
