I want to buy term plan for myself and wife. We both are 26 years old, non-smoker and wish to have sum assured of 50-60 lakhs. Please suggest a suitable plan
a) I will give more preference to claim settlement ratio if compared to cost
b) Prefer to have Accidental Rider as I stay in metro city
c) Prefer policy term for 30 years

I have checked term plan's on net and need your feedback on:
a) Either ICICI i-Protect with Accidental rider or Kotak e-Preferred for 30 lakhs/30 years
b) LIC Amulya Jevan for 25 lakhs/30 years

Many thanks in advance for your time and sharing your knowlege.

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