I am aged 28 I want to insure my self using a pure life insurance.
After going through articles I have come up these mandatory requirements but I am unsure it should cover all the below items or just natural death
1.should be allowing to change cover I.e I am unmarried don’t have children the company should revise my plan for bigger sum assured
2.should cover for accidental deaths
3.should cover for terminal illness and critical illness
4.should cover up to 60 years atleast
Do you think critically illness and terminal illness to be covered under term insurance??