The policies are looking good.But dont go for high premium because when you can pay you dont feel its heavy but when things go wrong and if you dont have money to pay then you are stuck.If you withdraw you are sucked and looted by the insurance companies.The premium what you pay from your hard earned money is mostly enjoyed by the insurance agents and then by the insurance companies and then I dont know how many on the way when they are in profits. Better think before you do anything. In the case of death its again a big trouble for your surviving dependants to get this sum assured.It atleast takes a year or two to fight and get the sum insured. Many a times people have to go to the court and pay huge amount to get this sum insured.
