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Top Term Insurance Policies in India

Updated On Aug 31, 2021

The most basic form of life insurance policy is term insurance. It protects against the danger of premature death and pays out death benefits if the insured passes away during the policy's term. Hence, the policy assists individuals in establishing a strong financial foundation for their families in the event of their death. When it comes to deciding on the ideal term plan, everything is relative. One plan may be the finest for one person, while for another, a different plan may be the best. Let's learn about the best term insurance plans offered by different insurance providers to help you choose your ideal plan.

Top Term Insurance Plans in India 

Here are some of the best term insurance plans in India. 

  • HDFC Click 2 Protect Life

Click 2 Protect from HDFC Life is a smart long-term plan that adjusts to your changing lifestyle and life stage needs. You can choose from three plan options: Life & CI Rebalance, Life Protect, and Income Plus to get a cover that meets your needs. With the Return of Premium option, you can get all premiums paid on survival to maturity refunded. Female lives and non-tobacco users receive special premium rates.

  • Aegon Life iTerm Plan

The Aegon Life iTerm Plan is a pure term insurance policy with a terminal illness payout built-in. It is one of India's top 10 term insurance policies in 2021. Before you reach the age of 80, the policy covers you for the rest of your life. The process of obtaining this coverage as an online term plan is simple and straightforward. Additional rider benefits are included in the package to expand the policy's coverage, such as accidental death and serious illness.

Must read: All You Need to Know About a Term Insurance    

  • PNB Mera Term Plan Plus

You can receive affordable coverage for yourself and your family with PNB MetLife Mera Term Plan Plus. One of the best things about this PNB MetLife plan is that it gives you the much-needed freedom of selecting your protection option for Death, Critical Illness, Disability, and Terminal Illness. In a sense, this plan provides financial security by providing a life insurance policy that can cover you up to the age of 99, while also allowing you to pay a premium at your leisure and enjoy features such as Whole Life Protection and Spouse Life Coverage.

  • Kotak E Term

The Kotak e-Term plan is a pure protection term insurance plan that was created to help you provide peace of mind to your family. Non-tobacco users and women receive special premium rates. If the life insured dies during the term, the beneficiary would receive a death benefit based on the chosen plan. In addition, the Kotak e-Term Plan allows you to increase your coverage for accidental death, complete and permanent disability. Additionally, you can choose additional coverage through the Kotak Critical Illness Plus Benefit Rider on payment of additional premiums, ensuring total coverage against terrible events.

  • Aditya Birla Sun Life Insurance Life Shield Plan 

The Aditya Birla Sun Life Insurance (ABSLI) Life Shield plan is a non-linked, non-participating term insurance plan that is an excellent choice because it allows you to mix and match from eight different plan options to meet your family's needs, ensuring that your family's lifestyle is not compromised even when you are not present. The plan additionally includes joint life protection, a terminal illness benefit, a waiver of premium on critical illness, a waiver of premium on total and permanent disability, increased life stage protection, tax benefits, and extra riders in addition to the death benefit.


All the term plans mentioned above enjoy popularity due to their special features and benefits. You can consult an insurance agent or a financial advisor to choose a suitable plan to meet your personal and professional goals among the options. 

Also read: Why Is It Important to Renew a Term Insurance Plan?

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.        

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