Confused about insurance

Idk if this is the correct subreddit for my query, but I'll ask it and let redditors of this community help me out.

As the title suggests. I'm confused about which life insurance and health insurance to purchase. I'm 31M, 6 LPA. Parents are retired. Dad's a pensioner. Planning to get married by next year mostly. Partner also earns and has both health and life insurance of her own.

I have an ongoing personal loan and SIPs as well. My criteria is simple: a good term plan and good health insurance with sufficient coverage. At the same time I'm also looking for senior citizen health insurance for my parents as they are both above 60. For premium payments, I am more inclined towards monthly payments.

All suggestions are welcome.