I think this article is very biased and probably written by some agent of Kota/Metlife/ICICI I am 32 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 batter plan tel me on my email dhavalrana@rediffmail.com