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  • Top 10 Life Insurance Policies in 2017

    Your insurance plan is not merely a protection against unforeseen circumstances, but is also a long-term investment option that comes with assured benefits. While it’s true that insurance can ensure cash flow during hard times, but it’s also a fact that badly chosen plans may prove worthless in times of need. Therefore, make sure that you prepare a checklist of your requirements and compare all insurance offers provided by the leading insurers. Here’s a listing of the top 10 insurance plans offered by some of the leading insurance companies in India:

    Plan Name Plan Type Entry Age (Min/Max)

    Policy Term

    (Min/Max)

    Sum Assured

    (Min/Max)

    SBI Life eShield

    Term 18 years to 65 years 5 years to 30 years Minimum - Rs.20 lakh Maximum - No limit

    HDFC Life Click 2 Protect Plus

    Term 18 years to 65 years 10 years to 40 years Minimum - Rs.25 lakh Maximum - No limit

    Aviva i-Life

    Term 18 years to 55 years 10 years to 35 years Minimum - Rs.25 lakh Maximum - No limit

    Future Generali Care Plus

    Rural 18 years to 60 years 5 Years to 30 Years Minimum - Rs.15 lakh Maximum - Rs. 50 Laks

    Birla Sun Life BSLI Protect@Ease Plan

    Term 18 years to 65 years 5 Years to 40 Years Minimum - Rs.30 lakh Maximum - No Limit

    LIC’s Jeevan Pragati Plan

    Endowment 12 years to 45 years 12 Years to 20 Years Minimum - Rs.15 lakh Maximum - No Limit

    Max Life Online Term Plan Plus Basic Life Cover

    Term 18 years to 60 years 10 Years to 40 Years Minimum - Rs.25 lakh Maximum - 100 Crores

    ICICI Prudential iProtect Smart

    Term 18 years to 65 years 10 years to 30 years Minimum – 2400 Per annum. Maximum - No Limit

    Bharti Axa Life Elite Secure

    Term 18 years to 75 years 10 years to 25 years Minimum - Rs.25 lakh Maximum - No Limit

    PNB MetLife Mera Term Plan

    Term 18 years to 65 years 10 Years to 40 Years Minimum - Rs.10 lakh Maximum - No Limit

    SBI Life eShield:

    SBI Life eShield is a non-linked online insurance plan which provides higher returns on premiums. It’s designed basically to safeguard your family in your absence and secure them financially. The plan does not offer survival benefits at the time of maturity. Without involving paperwork and agent meeting, you can apply for the plan with just a click.

    Features of SBI Life eShield:

    Cover options under the eShield plan

      • Level Cover

      • Level Cover with Accidental Benefit

      • Increasing Cover

      • Increasing Cover with Accidental Benefit

    Maximum age at entry

      • 65 years for both Level Cover and Level Cover with Accidental Death Benefit

      • 60 years for Increasing Cover and Increasing Cover with Accidental Death Benefit

    Minimum age at entry 18 years
    Minimum sum assured Rs.20,00,000
    Maximum sum assured No limit (subject to underwriting)
    Minimum policy term

      • 5 years (For Level Cover & Level Cover with Accident Benefit)

      • 10 years (For Increasing Cover & Increasing Cover with Accident Benefit)

    Premium payment mode Yearly
    Premium term Same as policy term
    Minimum premium amount Rs.3,500
    Maximum premium amount No limit

    HDFC Life Click 2 Protect Plus:

    Click 2 Protect Plus is a term insurance plan launched by HDFC life that assures an extensive protection to your loved ones against life’s uncertainties. Even their timely necessities will be taken care of with a monthly income under the Income and Income Plus Option.

    Features of HDFC Life Click 2 Protect Plus:

    Cover options under Click 2 Protect Plus

    Life option: It offers a lump sum at death of the policyholder

    .

    Extra life option ( Accidental Death Benefit): It provides an extra sum assured in addition to the lump sum offered on death

    .

    Income Option: Provides 10% of sum assured on death and the remaining is paid out on a monthly basis for 15 years

    .

    Income Plus Option: The option provides 100% of sum assured on death and also an arrears on 100% of sum assured which is paid on a monthly basis

    .
    Minimum age at entry 18 years
    Maximum age at entry 65 years
    Minimum sum assured Rs.25 lakhs
    Maximum sum assured No limit (subject to underwriting)
    Premium payment mode Yearly, half-yearly, quarterly, or monthly
    Premium paying term Regular, limited, or single

    Aviva i-Life:

    Aviva i-Life is a term insurance plan that offers a comprehensive financial protection to your family in case of your death. The plan which comes at a nominal cost acts as an additional backup when your loved ones are faced with unfortunate incidents. Aviva i-Life is a protection plan and hence it doesn’t offer maturity benefits. Refer to the below table for features of Aviva i-Life.

    Features of Aviva i-Life:

    Minimum entry age 18 years
    Maximum entry age 55 years
    Maturity age 70 years
    Minimum policy term 10 years
    Maximum policy term 35 years
    Premium payment frequency Yearly and half-yearly
    Premium payment term Equals the policy term
    Riders None
    Tax Tax benefits under Section 80C will be applicable

    Future Generali Care Plus:

    Emotional losses are irreparable, yet we can secure the lives of our beloved ones and provide them a smooth living even in our absence. Care Plus is a simple life insurance plan that offers a high life cover at an easily affordable price, which will ensure a complete financial protection of your family even when you are not around. Care Plus comes in two types—Classical Option and Premier Option.

    Features of Future Generali Care Plus (Classic Option):

    Minimum entry age 18 years
    Maximum entry age 60 years
    Minimum sum assured Rs.10,00,000
    Maximum sum assured Rs.24,99,999
    Minimum policy term 5 years
    Maximum policy term 30 years
    Maximum coverage age 65 years
    Minimum premium Rs.2,500 per annum
    Premium modes Yearly, half-yearly, quarterly, and monthly

    Features of Future Generali Care Plus (Premier Option):

    Minimum entry age 18 years
    Maximum entry age 60 years
    Minimum sum assured Rs.25,00,000
    Maximum sum assured No limit
    Minimum policy term 5 years
    Maximum policy term 30 years
    Maximum coverage age 65 years
    Minimum premium Rs.5,000 per annum
    Premium modes Yearly, half-yearly, quarterly, and monthly

    Birla Sun Life BSLI Protect@Ease Plan:

    BSLI Protect@Ease Plan is a term insurance plan that guarantees an end-to-end financial protection to your family in the event of your death. The plan has been tailored to meet each and every requirement of a family, and hence it comes with flexible coverage options. BSLI Protect@Ease plan also rewards the policyholders for maintaining healthy life habits. Tax benefits as per the Income Tax Act are applicable.

    Features of BSLI Protect@Ease Plan:

    Minimum entry age 18 years
    Maximum entry age 65 years
    Plan options

      • Level Term Insurance

      • Increasing Term Insurance

    Minimum policy term 5 years
    Maximum policy term 40 years
    Premium paying term

      • Single payment

      • Limited Payment

      • Regular Payment

    Premium payment mode Yearly or monthly
    Minimum Sum Assured Rs.30,00,000
    Maximum Sum Assured No limit (subject to underwriting)
    Riders available

      • BSLI Accidental Death & Disability Rider

      • BSLI Hospital Care Rider

    LIC’s Jeevan Pragati Plan:

    Jeevan Pragati is a non-linked life insurance plan offered by LIC, which is a combination of life cover and savings. The plan qualifies for an automatic increase in risk cover in every 5 years during the term. Policyholders can also avail loan facility under LIC’s Jeevan Pragati Plan.

    Features of LIC’s Jeevan Pragati Plan:

    Minimum entry age 12 years
    Maximum entry age 45 years
    Policy term 12 to 20 years
    Minimum basic sum assured Rs.1,50,000
    Maximum basic sum assured No limit
    Maximum age at maturity 65 years
    Premium payment modes Yearly, half-yearly, quarterly, and monthly

    Max Life Online Term Plan Plus Basic Life Cover:

    The Max Life term plan comes with a protection solution that secures the future of your family even in your absence. The plan offers extensive coverage with add-ons such as benefit rider, premium waiver options, etc. It’s purely a life insurance cover which offers death benefits and no maturity benefits.

    Features of Max Life Online Term Plan Plus Basic Life Cover:

    Minimum entry age 18 years
    Maximum entry age 60 years
    Policy term 10 years to 40 years
    Minimum sum assured Rs.25 lakhs
    Maximum sum assured 100 Crores
    Premium payment term Equal to policy term
    Premium payment mode Yearly, half-yearly, quarterly, and monthly

    ICICI Prudential iProtect Smart:

    ICICI Prudential iProtect Smart is an enhanced life protection plan that takes care of the financial worries of your family in case of your death. It also covers against terminal illness and disability and comes with special benefits for women. You can choose the level of protection under iProtect Smart at the time of entry.

    Features of ICICI Prudential iProtect Smart:

    Minimum entry age 18 years
    Maximum entry age 65 years
    Minimum age at maturity 23 years
    Maximum age at maturity 75 years
    Benefit options Life, Life Plus, Life & Health, and all in one
    Premium payment term Single, regular, or limited
    Minimum premium Rs.2,400 per annum
    Accidental death benefit Subject to sum assured chosen by the policyholder
    Minimum critical illness benefit Rs.1,00,000
    Minimum sum assured Equals to minimum premium amount
    Maximum sum assured No limit
    Mode of premium payment Single, yearly, half-yearly, and monthly

    Bharti Axa Life Elite Secure:

    It’s an affordable plan that provides an extensive financial support to the dependents of the insured, in case an unfortunate incident takes place. The plan offers competitive premium rates and comes with an option to cover your life till 75 years of age. Tax benefits under Section 80C and 10(10D) are applicable.

    Features of Bharti Axa Life Elite Secure:

    Minimum entry age 18 years
    Maximum entry age

      • 75 years for the policy term of 10, 15, 20, and 25 years.

      • 65 years for a term period of 5 years

    Minimum sum assured Rs.25,00,000
    Premium payment term Equals policy term
    Premium payment modes Yearly, half-yearly, quarterly, and monthly

    PNB MetLife Mera Term Plan:

    Mera Term Plan, as the name suggests, is a tailor made life insurance cover that offers a comprehensive protection to your family in your absence. The payouts are available as a lump sum plus regular monthly income, lump sum plus increasing monthly income, and lump sum plus regular monthly income till your child attains 21 years of age.

    Features of PNB MetLife Mera Term Plan:

    Minimum entry age 18 years
    Maximum entry age 65 years
    Minimum sum assured Rs.10,00,000
    Age at maturity 75 years
    Policy term 10 years to 40 years
    Premium payment term Equals the policy term
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