When it comes to Insurance, always go for Term Plan and only up to Retirement age. ICICI Pru Online Term Plan is very good. I preferred this after extensive research online and analysis. Medical Tests were done at the comfort of home and policy issued very quickly. No extra premium loading.
But the only problem is that I have not received Policy Documents through Post/Courier which were promised to be delivered by 06-10-2016 and no one bothers to reply to email. Even I have contacted the office in Secunderabad and they have taken written request but only for the sake of reference of my friends/colleagues to increase their sales and as usual nothing was done. Policy documents are essential for family members.