Sir, I want to take a 50 lacs term plan with accidental disability rider. Suggest if the return of premium in term insurance is good or not. If I take premium return plan but premium is quite high in such TROP as compared to basic term plan. Also, suggest the name of company
Don’t go for rider. Instead of that buy critical illness from general insurance companies separately. Also, return of premium products are costly and of no use. Hence, don’t opt for this. Refer the list of my choices in my earlier post “Top 5 Best Online Term Insurance Plans in India-2016“.