Dear Basavaraj, after referring to your article about best online term plans in 2016, I shortlisted 2 companies for my online term plan. Kotak and Max life. Now my confusion is which one I should go ahead? Max is not having any branches in Shivamogga (Karnataka) where I live and Kotak is having a branch at my city. My personal feeling is the one which is having a branch at my city is good because of ease in approach in case of any doubts and also ease in claims by chance if something wrong happens. I emailed max life regarding my doubts on their term plan, but unfortunately, they didn’t respond. Kindly give your valuable suggestion please.