I have checked plan with Edelweiss agent. most of best plan are on your age. like I am 27 so which plan is best for me I can chose. most of plan have benefit from first year. the amount which we will receive after complete plan that amount you get as cover(if death in first year of insurance plan) from first year. and more plans with more benefit’s. I suggest once visit nearest Edelweiss office. Edelweiss is in top 10 insurance companies list in India.