I have a LIC policy for 15 lakhs. I further want to purchase an online term insurance plan for Rs. 50 lakhs so as to financially secure my family in case anything unfortunate happens to me. I have reduced my number of options of two viz. SBI eshield and Kotak. SBI has a better claim settlement ratio as compared to Kotak but carries a high premium. Please suggest me which out of these two I should convert.