Hi Chinai91 and Fido,

Thanks for the inputs.

I did considered as suggested by you guys and Invstpro etc.

Here is what I am pursuing at this time.

Term life - thru Prudential - (I verified the residency part with them) and it is confirmed that as long as the premium is paid regularly in USD ,it holds good thru the term of the policy. irrespective where I live physically.

Now as my other freinds and you guys have suggested I am considering the whole life policies in India with Death benefit ( life coverage) and also money back periodically with good growth potential.

Thanks again for all your inputs.