"I agree with you that we should do a through research before buying any insurance. As Insurance is about protecting and securing your loved ones future when you are not around.
I would recommend you to have a look at
Online Term Life Insurance Plan . One of the best part of this plan is that you don’t have to give medical test if your age is below 45 years and the policy is lesser than 30 lacs. Also buying this plan online will make the premium amount more affordable and the process also becomes very simple. "