Which term insurance is better 3cr till 75years (premium ~₹83,000/year for 10 years ) or 4cr till 65years (premium ~₹78,000/year for 10 years )

I’m a 31‐year‐old male, currently unmarried, likely to marry in 1–3 years, plan to have kids later, and expect to take a home loan in the future. My current salary is ₹24.5 LPA, and I already have fixed assets of ₹10 crore or more. I invest irregularly in stocks and mutual funds.

I come from a family with long life expectancy (most lived beyond 75), but my mother passed away at 40 due to a brain stroke, so health risk is a consideration.

I’m evaluating two term insurance options (10‐year premium payment):

Option A: ₹3 crore cover till age 75, premium ~₹83,000/year

Option B: ₹4 crore cover till age 65, premium ~₹78,000/year which one would you recommend