@edv, I didn't mean to ask about the types of insurances albeit I appreciate your effort. Same deal with how to get insured. I can literally google it and fill up forms of several companies whose agents will be eager to give me a quote.

I sought firsthand experience...not just coverage per se, but also, processes of getting reimbursed and what not.

So let me prephrase, does anyone have a term life policy from a certain company? Can you care to share your experience?