Kotak Preferred Vs Metlife Suraksha Plus Vs ICICI Pure Protect

#1
I am planning to take term insurance policy, I am 34 yrs old, occasional smoker. I selected Kotak Preferred plan, MetLife Suraksha plus, ICICI pure Protect where all the three have less premiums compared to other companies.

I want to choose one for 25 lacs.

Experts please suggest................