Best Term Insurance

loknath028 said:

Kindly suggest which is best Term Insurance plan

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Any PURE Term Online Policy is fine.

Choosing the best term insurance depends on factors like claim settlement ratio, premium affordability, and policy flexibility. Top insurers in India offering term plans include HDFC Life, Max Life, ICICI Prudential, SBI Life, and Tata AIA.


A good term plan should provide:
✔ High claim settlement ratio (Above 95%)
✔ Flexible payout options (Lump sum or monthly income)
✔ Riders for added benefits (Accidental death, critical illness, disability cover)
✔ Affordable premiums (Lower if you buy early)


To find the best plan, visit Policybazaar, where you can compare policies from multiple insurers based on premium, coverage, and add-ons. A plan like Max Life Smart Secure, HDFC Life Click 2 Protect, or ICICI Pru iProtect Smart could be ideal, depending on your requirements.


Buying Policybazaar term insurance early ensures lower premiums and better financial security for your family. Use Policybazaar to compare and purchase a policy online hassle-free.

You can contact me if your are interested to buy lic term insurance plan. We have a new plan focused on youth namely lic's yuwa term

loknath028 said:

Kindly suggest which is best Term Insurance plan

Click to expand...

Which is the Best Term Insurance Plan?​

There’s no one-size-fits-all answer, because the best term insurance plan depends on your age, income, family needs, health, and financial goals. However, some of the top insurers with great track records include:

• Max Life Smart Secure Plus Plan
• HDFC Life Click 2 Protect Super
• Tata AIA Sampoorna Raksha Supreme
• ICICI Pru iProtect Smart

All of these have high claim settlement ratios, flexible options like increasing cover, critical illness riders, and strong customer service.

How I Understand the Importance​

Before buying, I honestly didn’t think much about term insurance. But when I visited Policybazaar, I got a clear picture:

• They explained how Policybazaar term insurance works—it's a pure life cover that protects your family financially if something happens to you.
• Their human advisors explained everything in simple language, including how much cover I should take (based on my salary and loans).
• They helped me understand that it’s not just about death cover, but about financial security for my family.

That made me realize: if I care for my loved ones, this is something I must do.