My insurance agent has suggested me to buy a term insurance plan from Birla Sun Life (Easy Protector Plan). I will opt for Rs. 50 lakhs sum assured. For 10 years term, premium will cost me Rs. 5057 and if I pay a one time premium in lump sum then it will cost Rs. 30842. What do you suggest for the policy duration? Should I take this policy for 10 years, 20 years or 30 years?