Best Life Insurance Policies Inwards 2018
SBI Life eShield:
SBI Life eShield is a non-linked online insurance programme which provides higher returns on premiums. It’s designed basically to safeguard your household unit of measurement inward your absence together with secure them financially. The programme does non offering survival benefits at the fourth dimension of maturity. Without involving paperwork together with agent meeting, you lot tin apply for the programme amongst merely a click.
Features of SBI Life eShield:
| Cover options nether the eShield plan | • Level Cover • Level Cover amongst Accidental Benefit • Increasing Cover • Increasing Cover amongst Accidental Benefit |
| Maximum historic catamenia at entry | • 65 years for both Level Cover together with Level Cover amongst Accidental Death Benefit • threescore years for Increasing Cover together with Increasing Cover amongst Accidental Death Benefit |
| Minimum historic catamenia at entry | 18 years |
| Minimum total assured | Rs.20,00,000 |
| Maximum total assured | No boundary (subject to underwriting) |
| Minimum policy term | • five years (For Level Cover & Level Cover amongst Accident Benefit) • 10 years (For Increasing Cover & Increasing Cover amongst Accident Benefit) |
| Premium payment mode | Yearly |
| Premium term | Same every bit 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 past times HDFC life that assures an extensive protection to your loved ones against life’s uncertainties. Even their timely necessities volition live taken tending of amongst a monthly income nether the Income together with Income Plus Option.
Features of HDFC Life Click 2 Protect Plus:
| Cover options nether Click 2 Protect Plus | Life option: It offers a lump total at dice of the policyholder . Extra life selection ( Accidental Death Benefit): It provides an extra total assured inward improver to the lump total offered on death . Income Option: Provides 10% of total assured on dice together with the remaining is paid out on a monthly footing for xv years . Income Plus Option: The selection provides 100% of total assured on dice together with too an arrears on 100% of total assured which is paid on a monthly basis . |
| Minimum historic catamenia at entry | 18 years |
| Maximum historic catamenia at entry | 65 years |
| Minimum total assured | Rs.25 lakhs |
| Maximum total assured | No boundary (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 programme that offers a comprehensive fiscal protection to your household unit of measurement inward example of your death. The programme which comes at a nominal cost acts every bit an additional backup when your loved ones are faced amongst unfortunate incidents. Aviva i-Life is a protection programme together with therefore it doesn’t offering maturity benefits. Refer to the below tabular array 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 together with half-yearly |
| Premium payment term | Equals the policy term |
| Riders | None |
| Tax | Tax benefits nether Section 80C volition live applicable |
Future Generali Care Plus:
Emotional losses are irreparable, withal nosotros tin secure the lives of our honey ones together with furnish them a polish living fifty-fifty inward our absence. Care Plus is a uncomplicated life insurance programme that offers a high life embrace at an easily affordable price, which volition ensure a consummate fiscal protection of your household unit of measurement fifty-fifty when you lot are non around. Care Plus comes inward ii types—Classical Option together with Premier Option.
Features of Future Generali Care Plus (Classic Option):
| Minimum entry age | 18 years |
| Maximum entry age | 60 years |
| Minimum total assured | Rs.10,00,000 |
| Maximum total 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, together with monthly |
Features of Future Generali Care Plus (Premier Option):
| Minimum entry age | 18 years |
| Maximum entry age | 60 years |
| Minimum total assured | Rs.25,00,000 |
| Maximum total 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, together with monthly |
Birla Dominicus Life BSLI Protect@Ease Plan:
BSLI Protect@Ease Plan is a term insurance programme that guarantees an end-to-end fiscal protection to your household unit of measurement inward the consequence of your death. The programme has been tailored to consider each together with every requirement of a family, together with therefore it comes amongst flexible coverage options. BSLI Protect@Ease programme too rewards the policyholders for maintaining well for you lot life habits. Tax benefits every bit 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 boundary (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 programme offered past times LIC, which is a combination of life embrace together with savings. The programme qualifies for an automatic increase inward direct a opportunity embrace inward every five years during the term. Policyholders tin too avail loan facility nether 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 xx years |
| Minimum basic total assured | Rs.1,50,000 |
| Maximum basic total assured | No limit |
| Maximum historic catamenia at maturity | 65 years |
| Premium payment modes | Yearly, half-yearly, quarterly, together with monthly |
Max Life Online Term Plan Plus Basic Life Cover:
The Max Life term programme comes amongst a protection solution that secures the time to come of your household unit of measurement fifty-fifty inward your absence. The programme offers extensive coverage amongst add-ons such every bit produce goodness rider, premium waiver options, etc. It’s purely a life insurance embrace which offers dice benefits together with 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 forty years |
| Minimum total assured | Rs.25 lakhs |
| Maximum total assured | 100 Crores |
| Premium payment term | Equal to policy term |
| Premium payment mode | Yearly, half-yearly, quarterly, together with monthly |
ICICI Prudential iProtect Smart:
ICICI Prudential iProtect Smart is an enhanced life protection programme that takes tending of the fiscal worries of your household unit of measurement inward example of your death. It too covers against lastly disease together with disability together with comes amongst especial benefits for women. You tin direct the marking of protection nether iProtect Smart at the fourth dimension of entry.
Features of ICICI Prudential iProtect Smart:
| Minimum entry age | 18 years |
| Maximum entry age | 65 years |
| Minimum historic catamenia at maturity | 23 years |
| Maximum historic catamenia at maturity | 75 years |
| Benefit options | Life, Life Plus, Life & Health, together with all inward one |
| Premium payment term | Single, regular, or limited |
| Minimum premium | Rs.2,400 per annum |
| Accidental dice benefit | Subject to total assured chosen past times the policyholder |
| Minimum critical disease benefit | Rs.1,00,000 |
| Minimum total assured | Equals to minimum premium amount |
| Maximum total assured | No limit |
| Mode of premium payment | Single, yearly, half-yearly, together with monthly |
Bharti Axa Life Elite Secure:
It’s an affordable programme that provides an extensive fiscal back upwards to the dependents of the insured, inward example an unfortunate incident takes place. The programme offers competitive premium rates together with comes amongst an selection to embrace your life till 75 years of age. Tax benefits nether Section 80C together with 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, together with 25 years. • 65 years for a term catamenia of five years |
| Minimum total assured | Rs.25,00,000 |
| Premium payment term | Equals policy term |
| Premium payment modes | Yearly, half-yearly, quarterly, together with monthly |
PNB MetLife Mera Term Plan:
Mera Term Plan, every bit the advert suggests, is a tailor made life insurance embrace that offers a comprehensive protection to your household unit of measurement inward your absence. The payouts are available every bit a lump total plus regular monthly income, lump total plus increasing monthly income, together with lump total plus regular monthly income till your tike attains 21 years of age.
Features of PNB MetLife Mera Term Plan:
| Minimum entry age | 18 years |
| Maximum entry age | 65 years |
| Minimum total assured | Rs.10,00,000 |
| Age at maturity | 75 years |
| Policy term | 10 years to forty years |
| Premium payment term | Equals the policy term |
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