I came across lot of information about the life insurance policy through internet so how do I get to know which is suitable plan for me.

Not cheap, and pre-existing conditions and maybe sooner rather than later after manditory screenings for genetic predispositions to certain diseases reveal something that could easily lead to something very serious and in a short time, which would all be excluded from viable claims.

Other expensive items would be, for example, for people working in construction for coverage concerning asbestos-related diseases or workplace injuries, similarly for people with other potentially dangerous jobs. These all HAVE to be declared, including if a person is about to change career/job to one that would attract a far higher premium. SImilarly for people involved in more dangerous activity sports, which may require separate (expensive) insurance.

I remember I was quoted (as a single man in my early 30s, in good health, mainly office-based but working in construction) about £75pm back in 2006, and that was for a basic policy for sickness cover for about a year or so (to cover lost wages only), not long-term health problems for the rest of my life.