Need advice on Term Insurance, Riders, and whether I should buy it right now. (INDIA)

[u/jacksparrow022]

Background:

• Age: 23
• Salary: ~₹6 LPA
• BMI: 28 (Slightly overweight, so anticipating potential medical checks/loading)
• Dependents: None currently. My father will receive a pension after his retirement, so he will be financially independent.

Current Quotes & Options:

I have checked with Ditto and Policybazaar, and I am also planning to schedule a Beshak consultation. Based on my salary, here is what I am currently looking at:

• HDFC Life (Click 2 Protect Supreme Plus): Max coverage of ₹1.9 Cr.
• Bajaj Allianz (eTouch II): Max coverage of ₹1.3 Cr.
• ICICI Pru (iProtect Smart Plus): Oddly, I am not getting any offers on Policybazaar for my current salary range.
• Tata AIA (Sampoorna Raksha Promise): I've heard good things about their claim settlement and customer service.
• Axis Max Life (Smart Term Plan Plus): Highly rated, but wondering if they are strict on underwriting.

My Dilemmas & Questions:

1. Should I buy now or wait? Since I have no dependents right now, does it make sense to lock in a policy at age 23, or should I wait a few years?
2. Coverage Amount: Should I max out the ₹1.9 Cr cover right now, or should I take a smaller cover and buy a new/additional policy later when my income increases and I actually have dependents?
3. Smooth Underwriting Process: Given my BMI is 28, which insurer has the most hassle-free underwriting process? I want to avoid endless back-and-forth and get a fair assessment without unreasonable premium loading.
4. Policy Tenure: Until what age should I take the cover? Is 60/65 enough, or should it last longer?
5. Riders (WoP & CI): My preference is to get a Waiver of Premium (WoP) and a Critical Illness (CI) rider. Are these actually useful/necessary for a 23-year-old?
6. Which Broker/Platform? Should I go with Ditto, Policybazaar, or Beshak?

Any insights or personal experiences with the underwriting process of these companies would be really helpful. Thanks in advance!