Dear, I want to take Life insurance in term plan, my age is M38,My income is Rs 2.5 Lac/Year variable & 2.5 Lac /year Fix.. At present total 4.5 Lac/year incomes & my wife income is rs 2.5 lac/year. I have two children M 6 & F 12. What is the best term plan for me.From which insurance company? With critical illness or without? Jointly (Mr & Mrs0 available in any company? Pl. advice best, Thanks, Bhavesh