Buying Term Insurances from platforms like PolicyBazaar or the Insurer directly

Hi,

I am 26 yo and planning to purchase a term insurance for myself. I have been spending most of the time on PolicyBazaar website and talking to their executives to know and compare different term insurance products.

My queries in this matter are as given below.

1. Is it advantageous in any way to purchase term insurance from platforms such as Policy Bazaar (PB) or to directly buy from the Insurers themselves.
2. 
   
3. PB and other platform advertise a lot about claim settlement assistance service provided to the family free of cost; Is this very much required? I understand that the insurers themselves have their claim assistance executives; how is the claim settlement experience with them as compared to platforms like PB?
4. I am considering to buy Max Life Term plan (Max Life Online Term Plan Plus); Just for the sake of comparison, I looked up the same plan on Max Life's website; there I found that the premium was less as compared to PB and that the riders offered differed from PB; on PB I had the option to choose Accident disability rider but the same was not available on Max Life's own website.

Is this normal that the riders/features offered for the same product differ on 2 different platforms?

Any assistance with the above queries is very much appreciated.

Thanks and Regards.