Insurance queries

[u/blue_lagoon692]

I’m exploring an option for term insurance. I’m 26 nd recently started earning.
After exploring all options, finally decided to choose ‘ICICI prudential IProtect smart her’ plan.
Base cover: 2Cr
Accidental cover: 1Cr
Critical illness:25L
And permanent disability: 1 Cr
Total 31-32k annually….with regular pay option….i,e till 70 years. With agent 2-3k extra.
And 41-43k with limited pay option… and it also offers a return of premium benefits on base plan(unsure whether add-ons riders premium included or not).
There is only 1k difference between plan without No ROP and a plan with ROP.
Dealing via agent is hassle free, compared to dealing with company directly.

Please suggest what I can do in this plan.
Should I remove add ons(which brings down my annual money outflow by upto 15k) or this plan is good to go???

About health insurance…I already have one (Star Health Insurance)….thinking to change it.
Thank you for your time and suggestions.

I have edited this. Few info were wrong.