Hello guys I m a term advicer and working in a good name company of insurance so what I experience is that max term life is a good plan in terms of cost or in terms of facility wise also you can say because they provide you good service and they provide you better features in their plans nd plus they will give you the income option plus lumsum amout feature also suppose if u want that after your death your amount will provide in a monthly income to the nominee that feature is also avalaible nd if u want the whole amount at one time to the nominee this feature is also there nd the main thing the provide a officer after your death to the nominee to help him in documents nd in claim ratio wise it is on top so in my sugetion this is a good plan if u thinking to buy its a good option