What should be the term chosen while taking life insurance policy?

In general, go for the longest possible term permissible for your age. Most policies offer about 25-year terms (unless you are 50+ already), so you can opt for them. Remember, if you lock in a lower premium rate when you are younger, that stays constant throughout the life of your policy. If you go for a new scheme later, however, your premiums will be much higher.

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