Well honestly saying, I didn’t put much effort finding and learning about insurance. I guess I am either lazy or these are too boring unlike learning about economy, interest rates, investing & trading. I thought like ‘hey you guys must have done research I will just look at pros and cons , simplified info, make decisions and chose that’ 
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And in this forum so many people do research and give info that sometimes it spoils me I guess.Only a few months ago I wanted to find best MF , who are the performing fund managers, pros and cons , how good it is with index fund and was about to do research putting graph and suddenly they put this out https://tradingqna.com/t/highlights-from-spiva-india-scorecard-2021-on-the-performance-of-active-mutual-funds-vs-their-benchmarks/129750?u=raoawesome
Well got some direction about term insurance. Let me read each policy and find which one suits me