I think this article is very biased and probably written by some agent of Kota/Metlife/ICICI I am 34 years old and plan to take a 50 lac cover next week. I was already in midst of comparing various premiums when I came across this article. As per the table and my requirement, KotakLife is supposed to offer the cheapest loan. However I have compared the premium to HDFC, ICIC, LIC, SBI and guess which is the most expensive?? KOTAK... SBI seems to be the cheapest... Any agent has a better plan can mail me on n_d@rediffmail.com