Hi,
I am 31 years old father of 1 year old child. I need a child plan (waiver of premium). My requirements are below:-
premium paying term :- 15 years
policy tenure :- 15 or 16 years
premium :- 15,000 to 18,000 INR per year.
I am ok with ulip if SA is 20 times the premium.
I had checked icici smart kid :- it has 21 years tenure, I will not need money at that time.
Please suggest some good plan.




