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All You Want To Know About Rs. 1 crore Life Insurance Plans

Updated On Apr 26, 2021

If you are the sole bread earner in your family and do not want your dear ones to suffer due to the uncertainties that life may come up with, consider their secured future. And one of the best ways to provide a secure financial future in your absence is to buy aRs. 1 crore life insurance. 

Top 5 Rs. 1 Crore Life Insurance Plans


Plan Info


Plan Benefits

Max Life Insurance

Online Term Plan Plus Life Cover - Monthly IncomeLower premium for non-smokers

Lower premium for non-smokers

Edelweiss Life Tokio


Accelerated Critical Illness Cover


Click 2protect 3D Plus Life Option

Covers 34 critical illness

Future Generali 

Flexi Online Term Plan

Life cover till the age of 75

ICICI Prudential

Iprotect Smart Lump Sum Plan

Inbuilt terminal illness cover

Also Read:- How Life Insurance Helps in Getting a Home Loan?

1. Max Life Insurance

It is a term plan through which you can secure your family's financial future, in the event of untimely death. The plan has several features, such as:

  • It offers you a choice between a basic life cover, a life cover + increasing monthly income, and a life cover + monthly income.
  • It offers a high life cover at a comparatively low premium. You can select a cover from 25 lakhs to 100 crores. 
  • This policy rewards healthy lifestyle choices by offering non-smokers, lower premiums.

2. Edelweiss Tokio Life TotalSecure Plus

It is a LIC term plan 1 crore that offers complete protection - Life Cover and cover against critical diseases, thus offering a complete security to your family. The features of this plan include:

  • It allows you to choose a life cover upto 80 years.
  • It offers flexible payout options:
  • Lumpsum
  • Regular income 
  • A blend of regular income and lump sum
  • Avail accelerated critical illness benefit uptoRs. 1 crore

3. HDFC Life Click 2 Protect 3D Plus

It is term insurance plan that guarantees your family stays financially secured at a reasonable price. The features include:

  • Offers a cover against 3 uncertainties of life – Death, Disease, and Disability
  • Offers a Return of Premium option
  • Lower rates for non-smokers and female lives

4. Future Generali Flexi Online

It is a reasonably priced term plan that covers your upcoming monetary requirements of your family in your nonattendance. Features include:

  • You can choose between fixed income protection and increasing income protection.
  • The nominees get a lump sum benefit under the basic cover and regular monthly payments.

5. ICICI PruiProtect Smart Plan

It is one of the comprehensive term plans available in the market which offers several benefits:

  • Four protection options as per requirement- Life, Life plus, Life and Health, All in One.
  • Offers Special discount on premiums for female lives.


Premium is an important thing to consider when buying insurance along with the benefits and other terms of coverage. Checking with real-life cases and speaking to the agents is also helpful to find out the claim settlement ratio and time. 

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