Comprehensive Personal Financial Planning

Hello Sreekanth, Have been going through all of your replies. Really happy connecting with you. Hope you can suggest/ help me to ascertain my short and long term goals. 1. I have a Home loan from HDFC - 22k / month. Both me and my wife are employed. We would work till our retirement.[age: 55-58]. I am aged 29 and my wife 27. I have been paying home loan for past 4.5 years, and our goal is to wind it up in 5 years down the lane by 2022.[ o/s amt : 17L principal]. what is the best way to handle this? 2. we have a cumulative of 3L in our PF account as of now. In 5 years, it should be around 10L cumulatively. Is it advisable to take part of this amount to settle of Home loan? First of all is it possible to take PF money for our own use ? 3. We have a son who is going to be a year now, and we have to save for his education needs till his college.This should be around 15L in the future. First we have to have around atleast 1-2L for his primary education itself,considering the present scenario. 4. Have Lic Jeevan saral took in 2010 and I am paying around 18k annualy for 7 years now. Can i use it in 2022 to settle Home loan , which will be 10 years of its Premium payment and the brochure with me says I will getting around 3.2L including bonuses. Shall i continue this till its 10 years and surrender or will I be able to get any money now itself. If so, how? I was into it because of my friends initiative. It merely has 3.5L life cover in it. 5.I have my senior parents dependent on me and I have health insurance premium of about 30k for the family covered with floater of about 10Lakhs/ year. will this be suffice? what are the options I can have to give them a constant amount monthly via any investments . Both are aged above 60 now. We wanted to take care of them really well. Both of them stays with me only. 6.Me and my wife have policies on critical illness from HDFC life. I have insurance for my house also. 7. We do have few traditional LIC policies taken way back by our parents which are to be matured next year and year after that. 8. We had our education / wedding loans put together 5L and we have recently closed it with Home loan top up. Top up loan amount : 7L How do we close this considering all the above comittments we have. 9. I wanted to put post office schemes in my dad name. Which one will be better? 10. I have SIP of rs.2000/month in HDFC and L&T ELSS-MF over the past 5-6 years now. I have not disturbed these funds till now. 11. Have recently paid first premium of rs.30,000 in HDFC super income plan. Your suggestion on this please. 12. Have plan to start term plan for both of me and my wife in this year or next. Planning to go for HDFC term plan with Extra life option of rs.50L for each of us and in future we can upgrade it to Stage protection also right? Will it be ok? 13. Apart from these we do need budget for our vacation atleast twice a year with family. Cumulatively we earn 80-85k/ month FYI. 14. We put around 5k / month in PPF also. We probably have to move into 3BHK house in the future.Currently we live in 2BHK, and think about pension and retirement plans also in next couple of years or after we had settled home loans hopefully. These are all my queries. What are all your other suggestions and advice. TIA. Thank you. Waiting for your response at your earliest convenience.