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India's Top 5 Life Insurance Policy

In spite of having a good health and good life style, we should take an insurance policy. These insurance policies helps us in sudden accident and any critical illness. At present, we have the option of many insurance companies, who are making their policies available to the customers in the market, targeting various types of plans and special benefits. So as we know that in todays life we all need a life insurance plans for the better future of or an our family lives. For your better future we had bought top 5 life insurance so that you can make your life easy so let's know what are those top 5 insurance policies are.


#1 LIC Jeevan Anand:


This insurance policy is a non-linked policy that offers many savings and protection offers. This policy gives benefits in sudden death and for the physically disabled person. This is an offline insurance plan. It offers two types of option riders. You can choose this policy between 15 years to 35 years. This policy provides financial protection after the death and in this case of survival there is a provision for payment at the end of the selected policy term. This plan gives us medium to the loan facility so that we can fulfil our needs.


Features of LIC Jeevan Anand Plan:

#1:It’s a traditional endowment policy which offers sum assured and additional bonuses.
#2:On survival, the maturity benefits are paid to the policyholder and the plan continues to be in force.
#3:In the event of policyholder’s death, the sum assured is paid to the nominee.
#4:Additional top-up covers are available on payment of a nominal sum along with premium.
#5:This Life Insurance Policy Provides financial protection throughout the lifetime of the person insured.
#6:Offers a lump sum at the end of the chosen term period.
#7: The policy participates in the profits of the corporation.

#2 HDFC Life Click 2 Protect 3D Plus:


This is a online term insurance plan that offers comprehensive security at an affordable price. 3D stands for the three uncertainties that we face at some point in time, i.e. Death, Disability and Disease. Take the profit for this award winning term plan and secure your family. Claim Settlement Ratio FY 2018-19 for this we have achieved 99.03%. This insurance policy offers several cover options from which you can choose and it is available at a very low cost. There is freedom to choose this policy from 10 to 40 years of age. It also has the option of regular, limited and single premium.


Why You Need This Plan?

#1: Provide financial security at an affordable price.
#2: Ensure your family has comprehensive security always.
#3: Maintain the family’s standard of living even in one’s absence.
#4: Cover against the 3 uncertainties- death, disease and disability.

#3 Aegon Religare iTerm:


If you want to keep your family a similar life style in your absence, then this plan is best for you. It is an online insurance policy that offers high cover insurance at a low cost. This policy provides life cover till the age of 75 years. It offers up to five additional riders. Term insurance is a type of life insurance where the insurer provides coverage for a certain 'term' in exchange for a specific premium paid over a period of time. If the insurer dies during the term period mentioned in the policy, then a death benefit is paid to the family of the insured person.


Why This Plan?

If you want your family to live the same lifestyle after your death then this plan is for best for you. Aegon Life’s Term Insurance Plan protects your family with a life cover and also provides monthly payouts which can act as income benefit.

You should purchase this plan if you:
#1: Want to secure your family’s future.
#2: Want monthly income for your family in case of death.


#4 SBI Life-eShield:


SBI Life-eShield is a personal, non-linked, and non-participating pure term plan that provides the best financial security at a very low cost. It provides the security for your family at an affordable premium rate. SBI Life e-Shield has four plans options to fulfil your needs.


Shift the load of securing your family’s future from your shoulders to your fingertips by the help of this insurance plan. SBI Life–eShield gives you an easy and Spontaneous online process benefits to get this life insurance.

For those who needs financial protection for their family, SBI Life-eShield offers a good range of benefits at an affordable premium rate.

Features of SBI Life-eShield:

#1: Security – To ensure your family is financially protected.
#2: Flexibility – Choose between two benefit structures and two rider options.
#3: Simplicity – With an easy online process.
#4: Affordability – Through reasonable premiums.
#5: Reliability- With Medical Second Opinion.

#5 Bajaj Allianz iSecure Term:


This is a money back insurance policy that offers various benefits. It offers to choose 4 policies. Also, this policy has a short premium payment term. Apart from this, the special rates are provided to women policy holders.


Bajaj Allianz iSecure Term insurance plan is a non-participating plan, which is also non-linked, it has terms of regular premium and also provides the level term assurance plan Scheme for the family. This plan secures your family's financial condition by providing you a level term cover for high amount at a low cost. With the help of Bajaj Allianz iSecure insurance plan, you can cover both your and your life partner.

Features of Bajaj Allianz iSecure:

#1: Get the advantage of a level term cover at low cost, especially for larger sum assured
#2: Get rewarded for maintaining a healthy life-style, if applicable, with special premium rates for non-smokers and for medically fit non-smoker.
#3: Benefit of attractive high sum assured rebate.
#4: Flexibility to:
• Select your policy term Based on your requirement of 10, 15, 20, 25 or 30 years.
• Alter your premium payment frequency
• Include your partner at a later date in your existing policy, if you are single at the time of policy.
• Plan to meet recurring expenses of your loved ones’ by opting for payment of benefit in instalments
#5: Option to enhance your coverage with rider benefits

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