By no's you should go for LIC India but i think in term plan Aviva I life & Max life premium return term plan are better options. HDFC & ICICI term plan price prices are very high compare to max & Aviva.
Aviva is better, I have opted for 1c term plan n the whole process was done online. Remember that their claims ratio is lesser when compared to others because their entry into indian market is late but still having around 90% is still good.
Lic being in I industry for many decades why their ratio is not 100%?? Moreover their premium s higher.