Which Term Insurance in india?

Dear Friends,

I want to have term insurance of Rs.25 Lakhs for me and my spouse. Which company is the best to opt. I dont want any payment issues after death of any. LIC/KOTAK/HDFC.

Kindly suggest.

Also please let me know if I need to get it done for 10 years/15 years/20 years.

Hows AMULYA JEEVAN-II823....?

Thanks in anticipation,