I Have bought a smart term plan from exide life insurance. it is really a best product you can say value of money. it is available on very cheaper rates. the best part is end of the plan you will get your total money which you gave through installment. staff is very helpful they have two three types of term plan but you can. there are so many companies who have this term plan but no one giving you full amount back. I would suggest every one should take this plan.