img src=http://www.moneycontrol.com/news_image_files/2014/s/Smitha1_200_2722.jpg alt=Smitha Hari title=Smitha Hari border=0 width=75 height=75 align= left hspace=5/ If insuring your family is your aim, it is better to opt for a pure online term policy which charges a lower premium. Other plans which have an investment component may be expensive
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