Hi Sagan ji,
In my opinion ,don't jump now in insurance,,. It is very very volatile at the moment. Let it settle down for while and let's see 4quarter and their claims.
And after you can easily analyse insurance life and non life. Most of the life insu is already high,but u can find good in cheap in coming days.
Don't you think shikhar is under value,, I think shikhar insu is good for long term and they have good service and fast in claims.
Good luck,

Guras Life Insurance or Lumbini General Insurance or any other good 1?