My age is 25 and I am looking to buy term insurance plan. I did some research and have sort listed Aviva iLife and Aegon Religare iTerm plan. Both are offers online term plan at almost same permium but Aegon Rreligare settlement ratio is lowest at the same time it offers maximum years of risk cover, while aviva offers upto 35 yrs. Can any body help me out to choose a right term plan?