Secure your family’s future! India’s best term insurance plans ensure financial security with affordable premiums and high coverage.
Best Term Insurance Plans 2025: Life is always uncertain, so it’s crucial to protect your family. Term insurance is a form of life insurance that provides coverage for a specific period by paying a fixed premium. If the insured dies during the policy term, the family receives a fixed sum. Many insurance companies in India offer good term plans at affordable premiums. These plans not only provide financial security but also help the family through future challenges. Here, we’re providing information on the top 10 term insurance plans in India.
1. Aditya Birla Sun Life Insurance
Aditya Birla Sun Life Insurance is a reliable term insurance plan, created in partnership with the Aditya Birla Group and Sun Life Financial. The minimum age for this plan is 18 years and the maximum age is 65 years. The policy term can range from 5 to 30 years, and the minimum cover amount is ₹30 lakh. You can pay the premium monthly, quarterly, six-monthly, or once a year.
2. SBI Life eShield
SBI Life eShield is a very popular term insurance plan. It offers high protection at affordable premiums. This plan includes features like level cover, accidental benefit with level cover, and increasing cover. The minimum age for this plan is 18 years and the maximum age is 65 years. The minimum cover amount is ₹20 lakh.
3. HDFC Life Click 2 Protect Plus
The HDFC Life Click 2 Protect Plus plan provides financial security to your family against unexpected events. It includes features like Life Option, Extra Life (Accidental Death), and Income Option. The minimum age for this plan is 18 years and the maximum age is 65 years. The minimum cover amount is ₹25 lakh. You can pay premiums monthly, quarterly, six-monthly, or once a year.
4. Aviva i-Life
The Aviva i-Life Term Plan offers the option of higher cover amounts for your family and also offers additional benefits for women. The minimum age for this plan is 18 years and the maximum age is 55 years. The policy term can range from 10 to 35 years. Premiums can be paid annually or once a six-month period.
5. Future Generali Care Plus
Future Generali Care Plus is available in two options: Classic and Premier. The minimum age is 18 years and the maximum age is 60 years. The cover amount starts from ₹10 lakh, and the policy term can range from 5 to 30 years. Premiums can be paid annually, every six months, every three months, or once a month.
6. Birla Sun Life BSLI Protect@Ease Plan
The BSLI Protect@Ease plan offers both level and increasing term insurance options. The minimum age for this plan is 18 years and the maximum age is 65 years. The policy term can range from 5 to 40 years, and premiums can be paid in regular, limited, or one-time payments.
7. LIC Jeevan Pragati Plan
LIC Jeevan Pragati Plan is an endowment policy that offers an increasing death benefit every 5 years. This plan is suitable for individuals aged 12 to 45 years. The policy term can be from 12 to 20 years, and premiums can be paid monthly, quarterly, six months, or annually.
8. Max Life Online Term Plan Plus Basic Life Cover
This plan from Max Life offers a high cover amount for your family, ensuring their financial security. The minimum age for this plan is 18 years and the maximum age is 60 years. The policy term can be from 10 to 40 years, and the minimum cover amount is ₹25 lakh. Premiums can be paid monthly, quarterly, six months, or annually.
9. Bharti AXA Life Elite Secure
The Bharti AXA Life Elite Secure plan provides financial security to your family upon death or maturity. The minimum age for this plan is 18 years and the maximum age is 75 years. The minimum cover amount is ₹25 lakh. Premiums can be paid monthly, quarterly, six months, or annually.
10. PNB MetLife Mera Term Plan
The PNB MetLife Mera Term Plan is a reliable term plan that provides long-term financial security for your family. The minimum age for this plan is 18 years and the maximum age is 65 years. The cover amount starts at ₹10 lakh, and the policy term can range from 10 to 40 years. Premiums are paid over the entire policy term.
Key factors affecting life insurance premiums
- Age: Premiums are lower at younger ages.
- Health: Pre-existing health conditions can increase premiums.
- Family medical history: Premiums run in the family with a hereditary disease will increase premiums.
- Cover types: More coverage and additional riders increase premiums.
- Employment status: Premiums may be higher for people in high-risk jobs.
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