I would you suggest you, if you are looking life insurance india,don't by from agent.Now a days most of the company where you can choose the best life insurance by comparing the different plans with different insurance company online.I always prefer online because it's time consume and very easy to do.I know one company called BankBazaar.com , where you can compare your needs with low premium.I am sharing the particular url where you can get more about life insurance, have a look at the http://www.bankbazaar.com/insurance/life-insurance.html.
Hope it will help you