Can you please suggest a Pure Term Insurance Plan (Lumpsum Payout) and one Family Floater Health Insurance for us

We do not give specific life or health insurance advice. We have discussed how to select the best term plans in our article, How to select the best term life insurance plan for you. Please go through the article and select a term plan that is suitable for you after comparing different plans. If you are buying your policies online, you should check the claim settlement statistics of the life insurer. Since your husband is a smoker, his premium will be higher than that of a non-smoker. You should disclose all information correctly in the proposal form. Failure to disclose the correct information can result in the life insurance company rejecting your claims.

Before you start evaluating different health insurance, we suggest that you read our article, 10 points you need to know before you buy Health Insurance. Hopefully, the article will arm you with sufficient knowledge to select the right health insurance for your family. We discussed some of the best family floater health insurance plans in our article, Top Family Floater Mediclaim plans for 2016 based on Mint Mediclaim ratings. Please go through the article and a select a plan that is suitable for you. If required, you should the take the help of a health insurance advisor.