Compare Term Life Insurance in India
Compare term life insurance plans. Evaluate coverage amounts, claim settlement ratios, rider options, and premiums.
Official data
Plans with a verified UIN
The IRDAI Unique Identification Number of each plan below was read from the insurer's own product page. See the full product & UIN directory.
| Plan | Insurer | UIN | Updated |
|---|---|---|---|
| Axis Max Life Smart Secure Plus Plan | Axis Max Life Insurance | 104N118V13 | 16 September 2026 |
| Bajaj Life eTouch II | Bajaj Life Insurance Limited | 116N198V09 | 19 September 2026 |
| LIC's New Jeevan Amar | Life Insurance Corporation of India | 512N350V02 | 16 September 2026 |
| LIC's New Tech-Term | Life Insurance Corporation of India | 512N351V02 | 16 September 2026 |
| PNB MetLife Mera Term Plan Plus | PNB MetLife India Insurance Company Limited | 117N126V04 | 16 September 2026 |
| PNB MetLife Saral Jeevan Bima | PNB MetLife India Insurance Company Limited | 117N128V04 | 16 September 2026 |
| Tata AIA Sampoorna Raksha Promise | Tata AIA Life Insurance | 110N176V13 | 19 September 2026 |
Last updated: 19 September 2026
Source: Axis Max Life Insurance official website, Bajaj Life Insurance Limited official website, LIC official website, PNB MetLife official website, Tata AIA Life Insurance official website — each value above links to the exact page it was read from.
Tables marked “official data” reproduce what the cited source states. WorldBestInsurer compiles this information independently and is not affiliated with IRDAI, the Government of India, or any insurer. Confirm details with the insurer before you buy.
Educational Information Only
Data collected from publicly available sources for educational and informational purposes only. Premium figures are illustrative and sourced from public insurer calculators/brochures. Actual premiums may vary. Please verify all details with the insurer directly before making any decision.
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Side-by-Side Comparison
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| Feature | HDFC LifeClick 2 ProtectNeeds review · 2026-04-03 | Max LifeSmart Secure PlusNeeds review · 2026-04-03 | ICICI PrudentialiProtect SmartNeeds review · 2026-04-03 |
|---|---|---|---|
| Cover range | ₹25L – ₹5Cr | ₹25L – ₹5Cr | ₹25L – ₹5Cr |
| Premium* | ₹10K – ₹50K/yr | ₹12K – ₹60K/yr | ₹15K – ₹70K/yr |
| Entry age | 18 – 65 yrs | 18 – 65 yrs | 18 – 65 yrs |
| Claim ratio | — | — | — |
| Renewability | Lifelong | Lifelong | Lifelong |
| Riders |
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|
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*Premiums are illustrative only, sourced from publicly available data. Actual premiums vary by individual. World Best Insurer does not sell insurance. Verify with the insurer directly.
All Term Life Insurance Plans in India
Cover
₹25L – ₹5Cr
Premium*
₹10K/yr
- 99.5% CSR
- Variants: Life Only, Life & Goal, Life & Income
- Coverage to Age 85
Cover
₹25L – ₹5Cr
Premium*
₹12K/yr
- 99.2% CSR (Highest Private)
- Return of Premium Option
- Coverage to Age 80
Cover
₹25L – ₹5Cr
Premium*
₹15K/yr
- Coverage to Age 99
- 34 Critical Illnesses
- Flexible Payout Options
Cover
₹25L – ₹5Cr
Premium*
₹10K/yr
- Coverage to Age 100
- Life Stage Benefit
- 98.6% CSR
Cover
₹25L – ₹5Cr
Premium*
₹8K/yr
- Affordable Premiums
- SBI Brand Trust
- Online-Only
Cover
₹50L – ₹5Cr
Premium*
₹8K/yr
- 98.3% CSR
- Government-Backed
- Most Trusted Brand
Cover
₹25L – ₹5Cr
Premium*
₹9K/yr
- 98.1% CSR
- Online-Only Plan
- Competitive Premiums
Cover
₹25L – ₹5Cr
Premium*
₹10K/yr
- 98% CSR
- Flexible Riders
- Online Plan
Cover
₹25L – ₹100.0Cr
Premium*
₹8K/yr
- LIC sovereign guarantee (PSU)
- Highest CSR among life insurers
- Increasing sum insured option
Cover
₹25L – ₹100.0Cr
Premium*
₹7.5K/yr
- Cover up to age 85
- Return of premium option
- Joint cover with spouse
Cover
₹25L – ₹100.0Cr
Premium*
₹8.5K/yr
- MetLife global backing
- Female discount available
- Increasing cover option
Cover
₹30L – ₹100.0Cr
Premium*
₹7K/yr
- 11 payout variants
- Cover up to age 85
- Aditya Birla Group backing
Cover
₹25L – ₹100.0Cr
Premium*
₹7.5K/yr
- Cover up to age 99
- Return of premium option
- Canara Bank + HSBC distribution
Cover
₹25L – ₹100.0Cr
Premium*
₹8K/yr
- AXA global backing
- Flexible premium payment
- Return of premium option
Cover
₹25L – ₹5Cr
Premium*
₹9K/yr
- HDFC Life subsidiary
- Strong bancassurance reach
- Affordable premiums