"Spending a whole day looking for insurance is fun," said nobody, EVER!

Life Insurance Plans in Delhi

Delhi is ranked 4th in terms of total life insurance premium paid in the country. It also boasts a 10% share of the overall premiums paid in the country. This tells us that this market is both better developed and better serviced by insurance providers than most other states. Delhi is only preceded by the bigger states of Maharashtra, Tamil Nadu, and Karnataka, in that order.

Besides hosting a large, growing, young, educated and financially savvy population, this is also a state which has seen costs sky-rocket over recent decades (as with all major Indian cities). The need for financial protection to ensure economic stability is more pronounced in a city such as Delhi. Providers are constantly banking on this by extending newer and better services to potential customers thereby marking its importance in the insurance industry.

Getting life insurance is one of the smartest things a person can do, with policies designed to provide safety against mortal risk for a person's dependents. When it comes to life, a big "What If" question should always be there at the back of your mind.

Top Life Insurance Companies in Delhi

Of the 24 life insurers that operate in India, about 20 have either their head office or regional office in Delhi.

Public-Sector
  1. Life Insurance Corporation of India (LIC) with 75 branches
Private-Sector
  1. Reliance Life with 17 branches
  2. Max Life with 16 branches
  3. SBI Life with 13 branches, along with a regional office
  4. HDFC Life, ICICI Prudential, and Birla Sun Life each with 12 branches
  5. Aviva Life with 7 branches
  6. PNB MetLife, Kotak Life and Shriram Life each with 6 branches.

LIC tops the list, outshining private companies, with the strongest presence in the state. Although LIC enjoys a strong reputation, historically, among Indians in general, many private companies which began operations around the year 2000, are fast gaining ground with new, innovative products and superior customer service, leveraged by technology.

Other Life Insurance Companies Established in Delhi Are

Tata AIA Life (5 branches), Edelweiss Tokio and Bharti AXA Life (4 branches each), Aegon Religare and Exide Life (3 branches each) and IDBI Federal Life, IndiaFirst Life, Future Generali India, and Sahara India Life (1 branch each)

The Canara HSBC Oriental Bank of Commerce Life Insurance Co Ltd is an amalgamation of the three banks in the namesake. As such, all branches of these banks, in Delhi, will entertain insurance enquiries and enrollment.

DHFL Pramerica has offices in Gurgaon and Faridabad in the National Capital Region (NCR), but does not have any branch in the city of Delhi.

What do they offer?

The insurance companies listed above offer various insurance policies in Delhi including term plans, endowment plans and ULIPs. These come with a wide range of choices on premium amounts as well as payment schedules. These policies can be availed either from the office directly or through an agent or via the increasingly popular online market.

Locating An Insurance Company’s Branch or Office

Knowing which insurer is present in your city is important when deciding which provider to deal with.

Insurers with a strong presence in your city are more accessible. It helps save time and money when making claims, surrendering or cancelling policies or settling discrepancies / disputes. It is also a positive indicator of the kind of demand such insurers enjoy which should be factored into when deciding on which product to go with.

The most likely situation in which you would deal with your insurer, is when making claims in the unfortunate event of the insured person’s death. It is easier and quicker to deal with the company if situated within a feasible distance.

Making Claims

Claim procedures involve a few steps starting with filling up a claims form. A list of related documents have to be submitted in either original or copies that have been attested by a gazetted officer. Documents required include death certificate, medical records, original policy document, FIRs and post mortem reports (if any), bank account details, and a few other transcripts. Documents, as requested by the insurance company, have to be submitted by the claimant along with the claims form. If required, insurance companies may required additional information/documentation. The faster these reach the company, the faster the process.

Life Insurance Delhi Reviews

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  • LIC Life Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    I have taken life insurance jeevan policy from Life insurance corporation of India . This policy covers with accidental coverage and critical illness coverage . This is good policy with good benefits . Overall am satisfied with customer service and response .And making the payment half yearly through on line net banking.
    Was this review helpful? 0
    , new delhi
    Reviewed on Dec 12, 2018
  • LIC Life Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    I have taken life insurance policy from the life insurance corporation of India . I pay the premium amount quarterly which i make the payment through online . The policy coverage with accidental benefits and critical illness .i have chosen long term policy where the premium amount is bit expensive comparing to other policy
    Was this review helpful? 0
    , new delhi
    Reviewed on Dec 12, 2018
  • ICICI Prudential Life Insurance
    "More than satisfactory"
    0.5 5.0/5 "Blown Away!"
    I have taken a life insurance from ICICI Prudential. It is a cash back policy and the policy coverage and the plan benefits are fine and satisfactory. The payment options are also fine as I can pay my premium with ease online. The customer support is supportive.
    Was this review helpful? 0
    , new delhi
    Reviewed on Dec 11, 2018
  • SBI Life Life Insurance
    "Its Better"
    0.5 5.0/5 "Blown Away!"
    SBI LIFE premium amount is around Rs. 15k for one year it has the total tenure of 20 years, I am paying the premium I am not sure about the benefits, after the tenure I get Rs. 3lakhs, tax benefits is good, I make online payment, I can track the life insurance through online.
    Was this review helpful? 0
    , new delhi
    Reviewed on Dec 11, 2018
  • LIC Life Insurance
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    I have Jeeven anand policy, I used to pay the premium around Rs.18,000 for one year, I get the benefits amount after 18 years, they have life coverage of Rs. 4 lakhs and tax benefits. Payment mode is good I used to make the payment through online.
    Was this review helpful? 1
    , new delhi
    Reviewed on Dec 11, 2018
  • ICICI Prudential Life Insurance
    "Excellent"
    0.5 5.0/5 "Blown Away!"
    I have taken a term insurance with ICICI Prudential and I need to pay a premium till the age of 60 and it has a coverage till the age of 65 to 66. The policy coverage is for 50 lakhs and if anything external happens to the policy holder another 50 lakhs is provided to the family. The premium is economical, it is of 897 which goes through on a ECS basis.
    Was this review helpful? 0
    , new delhi
    Reviewed on Dec 05, 2018
  • LIC Life Insurance
    "Better policies"
    0.5 5.0/5 "Blown Away!"
    I have 3 life insurance policies with LIC and it was taken through an agent. I am paying annually premium of 30 to 35K for all 3 policies. The payment mode is online. The customer service is better. I am happy with the policy coverage and the benefits.
    Was this review helpful? 0
    , new delhi
    Reviewed on Dec 02, 2018
  • Aviva Life Insurance
    "Take care of the family by taking this policy"
    0.5 4.0/5 "Great!"
    Last 2 years, i have not made the payment for my term insurance. Basically i have purchased this policy because they are charging very less premium in the market. Their brand ambassador is Sachin Tendulkar hence they are very good brand company. I don't have much interaction with their customer care service. I have chosen the coverage value of Rs.50 lakhs.
    Was this review helpful? 0
    , new delhi
    Reviewed on Dec 02, 2018
  • Birla Sun Life Insurance
    "Good returns in Birla sun life. "
    0.5 5.0/5 "Blown Away!"
    Birla sun life is the good. I have taken the endowment plan with Birla sun life. 4 years before, i have purchased this policy. For the good returns in a short time, i have chosen this company. They have very good credibility in the market among all the private companies. Total tenure period of the policy is 10 years. There is a lock in period of 3 years and its already over.
    Was this review helpful? 0
    , new delhi
    Reviewed on Dec 02, 2018
  • Kotak Life Life Insurance
    "Fullfill all your requirements"
    0.5 4.0/5 "Great!"
    My endowment policy was taken with Kotak Mahindra life insurance. The policy benefits are good. If i speak about the payment options, they don't have tie up with paytm payment service. They have not enrolled the tie up with e-commerce website. I had a one interaction with their customer care people. The agent was very good knowledgeable and i never come cross good service from the insurance company. They used to ask lots of security question before providing to the details. Total tenure period of the policy is 12 years. I have to make the payment till maturity.
    Was this review helpful? 0
    , new delhi
    Reviewed on Dec 02, 2018
  • PNB Metlife Life Insurance
    "They are giving more complementary things. "
    0.5 4.0/5 "Great!"
    I have taken my endowment plan with PNB Met life. Basically its a tie up with Punjab National bank. I have purchased this policy 4 years ago. The reason for choosing this policy 5 years tenure period which is the lowest one. The maturity will be in 10 years. I used to make the payment through credit card. They should disclose the bonus and other benefits details to the customer. In PNB, I'm expecting good returns in a short time. The customer care service is really pathetic.
    Was this review helpful? 0
    , new delhi
    Reviewed on Dec 02, 2018
  • LIC Life Insurance
    "Trustable company"
    0.5 5.0/5 "Blown Away!"
    LIC is a very safe and secure place for life insurance policies. I will get a money back on my account or i will get cheque. There are so many people are available as an agent here. I have never interacted with the customer care service since i never required it. I can make the payment in a multiple way like paytm, online banking, cash. More than 6 years before, i have purchased this money back policy. I have received a money back to my account. Surety is a must when it comes to LIC.
    Was this review helpful? 0
    , new delhi
    Reviewed on Dec 02, 2018
  • HDFC Life Life Insurance
    "Very Good Service"
    0.5 4.0/5 "Great!"
    It has been a very good policy and i had been paying the premium on a monthly basis. The premium amount has bee fine and has not been not too high. The payment method is easy and has been doing online and there has not been any hassle faced so far with their service.
    Was this review helpful? 0
    , new delhi
    Reviewed on Nov 28, 2018
  • LIC Life Insurance
    "Not satisfied with the service"
    0.5 1.0/5 "Really Bad"
    I had taken this insurance policy a long time back and their services where not that good. The premium has been paying on an annual basis and their online payment methods has not been convenient as well. It is easy in paying the premium through their agents.
    Was this review helpful? 0
    , new delhi
    Reviewed on Nov 28, 2018
  • LIC Life Insurance
    "Not satisfied with the service"
    0.5 1.0/5 "Really Bad"
    I had taken this Jeevan Suraksha Life insurance policy a long time back. The premium has been paying on an annual basis and the premium amount has been nominal. The payment methods online has not been so convenient and it is easy in paying through the agents.
    Was this review helpful? 0
    , new delhi
    Reviewed on Nov 28, 2018
  • LIC Life Insurance
    "Not satisfied with the service"
    0.5 1.0/5 "Really Bad"
    I had taken this Jeevan Anand life insurance policy a long time back. I had been paying the premium on a monthly basis and the premium amount has been nominal. But if we are failing to pay the premium on time, their online payment method has not been that convenient.
    Was this review helpful? 0
    , new delhi
    Reviewed on Nov 28, 2018
  • LIC Life Insurance
    "Its average policy"
    0.5 4.0/5 "Great!"
    My Jeevan mithra policy has tenure of 20 years, policy coverage is also for 20 years. I would say its an average endowment policy. After the tenure period I get only the matured benefits but it has financial security for unforeseen policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on Nov 26, 2018
  • LIC Life Insurance
    "Good coverage and matured benefits"
    0.5 5.0/5 "Blown Away!"
    When I took LIC it was almost 13 years back at the time govt insurance body was LIC. I have jeeven shri endowment policy. It gives benefits after the tenure period of the maturity. The total period of policy is 16 years but the coverage of 20 years. Even the coverage value is multiple as the policy gets older.
    Was this review helpful? 0
    , new delhi
    Reviewed on Nov 26, 2018
  • LIC Life Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have been holding my term insurance with Life insurance of India, there service was very good, the agent had clearly explain me about the policy clearly, the premium they have charge me was nominal they have charged me up to 33,600 , and i pay premium on yearly basis and i use to pay my premium by giving money to agent, they time to time update me.
    Was this review helpful? 0
    , new delhi
    Reviewed on Nov 25, 2018
  • ICICI Prudential Life Insurance
    "GOOD SERVICE"
    0.5 5.0/5 "Blown Away!"
    I have applied for the life insurance which is TERM PLAN with the ICICI PRUDENTIAL. The process of getting and also applying the life insurance is simple process with this ICICI. The service is very good also i am satisfactory with this loan.
    Was this review helpful? 1
    , new delhi
    Reviewed on Nov 24, 2018
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