Why didn't I think of this earlier >.<
I am using Kuvera as well, for past 2-3 years actually. Mycams is also a good option but it doesn't support a few AMCs which are registered with Karvy ig and the UI is too bland.
How do i find stocks to invest in the current market? I am not interested in MFs.
If you are asking this question, then it is definitely not a good time to invest in stocks.
Start with investing in MFs. Read up all the basics on Zerodha's Varsity. Then shortlist the stocks to invest in via Screener.in, start with a small amount, make some losses - buy high, sell low, learn from your mistakes and then make a strategy and start investing more. This process took me an year easily, you can do it faster but you'll have to follow through nonetheless. Also, brokers like Motilal, HDFC, ICICI also recommend some stocks - you can follow them too but fyi not all their recommendations bear fruit.
any views on above mentioned
Why don't you go through the literature once? I got my term insurance from HDFC Life 4 years back and read the terms completely and I found that to be the best at that time but don't remember them now. Terms do change from time to time, so its better to read them yourself. And yeah, private players do exclude some stuff out but then they offer add-ons which you can buy, for eg I had to buy an add-on for Critical Illness along with term insurance.