Yesterday reader I went to Exide Life Insurance located near bus stand at Pathankot. The purpose of my visit is to enquire about term insurance. The shows me the term plan upto fifty lakhs rupees but critical illness not cover in it. They said you need to pay upto thirty years only and if nothing happens then the lumpsum amount return to you without any TDS deduction. They said work with us and do six policies of upto 2 lakhs then you will promated to development officer. They said three Punjab national Bank chief manager are our customers and working with us. The plans are expensive and no sip choice there.