Now a days agents / advisor of different life Insurance companies are flooding in market . They oftenly  mislead customer for higher return & no risk ,You well have to take care of below  mentioned points.

1. Never  select a policy premium  which you are not able to give  in bad days. :-

2. Do not go for higher premium policy instead go for small premium many policies. In event of some problem , some policies you may be able to run & other may be lapsed policy ,may be restarted when you are having good days .

3.Various companies are offering  unit linked  insurance , theycharge very hiegh administrative charges ,balance amount is invested in equities . Agent and advisor, never tell you correct position.  & you may be looser at the end .

4. In Unit linked polices  , there is boundation for 3 year premium , if you do not pay, your  policy may be lapsed. Yes may get only negligible amount .

5. Hence take care of every point before taking any policy.