I also agree with you what have mentioned is not perfect and this are not the cheapest plans.i would suggest when u go for term plan,dont just go through the cheapest premium,also get to know the claim settlement also.God forbid somethings happens the family have to face problems.It is not necessary cheap premium means claims settlements are good.See also claim settlement of this companies.Also get to know what are the additional features they offer.My mail id is rajivmenon_8@rediffmail.com
