Remember only 1 insurance is good enough! You don't need multiple life insurances as your kins can only get 1 in case anything happens.
Govt companies have cheaper premiums
Govt companies have cheaper premiums
In any case larger sum insured policies say above 1 crore do not get paid out in full compared to amounts below this threshold.this can be seen for all insurance companies. Hence it makes sense to buy multiple policies above 1 crore as per your net worth or earnings.