I started looking into life insurance recently and could not able to decide whether to go with canadian "Universal Life" or "LIC india..

Canadian insurance is very expensive and complicated for smoker and middle age individual but not sure is it worth the risk of using Indian LIC being in canada..

Any suggestions or recommendation to which insurance to go for..

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MK

Thanks Ashedfc,
I am trying hard for quitting... already failed once in last few months..will have try again at-least for the sake of insurance :-)

i guess you are right but some how mind is getting attracted to the combination of investment + insurance.
If i have to go in that route, i believe LIC is the only guranteed option compared with canadian option...
If i have to focus on insurance only, then Term insurance (in canada ?) would be the best option...
hmmmm... oh boy..i have to toss a coin .... cannot decide which one to go for :-(

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MK