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    Life Insurance Plans

    Get a complete protection for your loved ones with best term insurance policy:

    Best Term Insurance Plan in India

    In the below grid, is the list of best term insurance plan in India to invest in 2021

    Best Term Insurance Plan Policy term Entry Age Cover Amount (Min/Max)
    Tata AIA Maha Suraksha Supreme 10-40 years 18-70 years Rs. 50 lakhs to Rs. 2 Crores
    SUD Life Abhay 15-40 years 18-65 years Max life cover of Rs. 100 Crores
    ICICI Prudential Life Insurance 10-25 years 12-50 years Rs. 2 lakhs - Rs. 20 lakhs
    SBI Smart Shield 18-60 years 18-60 years Rs. 25 lakhs
    Bajaj Allianz Smart Protect Goal 18-65 years 18-65 years Rs. 50 lakhs
    PNB MetLife Mera Term Plan 18-65 years 18-65 years Rs. 10 lakhs to Rs. 5 Crores
    HDFC Life Click2Protect 3D Plus 18-65 years 18-65 years Rs. 1 Crore
    Exide Life Smart Term Plan 10-30 years 18-65 years Rs. 5 lakhs to Rs. 10 lakhs
    Edelweiss Tokio Life My Term+ 10-85 years 18-65 years Rs. 25 lakhs to Rs. 50 lakhs
    Aviva LifeShield Advantage Plan 10-30 years 18-65 years Rs. 50 lakhs
    Aditya Birla Sun Life Protector Plus Plan 5-70 years 18-65 years Rs. 30 lakhs minimum

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    Benefits of Term Insurance Plans in India

    Death Benefit

    A secured term insurance policy that applies to the insurer and the family of the insurer. An insurer pays an amount equivalent to the insured amount with bonuses. In cases of demise, partial or permanent disability the family of the policyholder becomes the beneficiaries to claim the insured amount.

    Tax Benefit

    The policyholder can avail a deduction in tax for up to Rs. 1.5 lakhs. In addition to this, under Section 10 (10D), any payouts received from the insurance policy are completely tax-free (provided the premium does not exceed 10% of Sum Assured, annually).

    Investment Goals

    With an life insurance policy one can enjoy the best of both worlds, a premium for the security of the family and the other as investment goals. One can claim the premium during unforeseen circumstances or for happy moments of life. For instance, several options allow you to retrieve funds to support a child’s education or child marriage. Life insurance policy serves the purpose of security and the future of the family.

    Maturity Benefit

    Life Insurance policy can also be considered as a saving scheme. If the policyholder does not claim the insured amount by the end of the insurance term, it can compensate its premium when the policy matures. This means life insurance plan can act as a health cover along with savings.

    Retirement Plans

    Opting for a retirement insurance policy comes to play when the working income comes to a halt. The premium paid before retirement goes under the saving account. Giving the policyholder the freedom to withdraw money in instalments or claim all at once.

    Benefits of Purchasing Term Insurance Online

    Servicing is done online

    Most online insurers have a chat facility on their website to assist those who are not very comfortable with purchasing insurance online. Insurers also communicate with customers over email and social media. E-copies of documents are sent online which are stored in the customer’s email id. This makes it simpler for customer to refer to policy details.

    Ease of conducting transaction

    One can complete the entire process of purchasing insurance – right from research to finally receiving the documents from the comfort of one’s home or office.

    Ease of gathering information

    Before purchasing an insurance policy, a prospective buyer can research about various insurers as well as their offerings. This is easily possible thanks to insurance aggregators. One can read various articles about different types of insurance products as well as scrutinize reviews offered by customers before finalizing the product and the insurer.

    Ease of taking desicion

    Now a days, leading insurers as well as aggregators pose intuitive and logic driven questions to a prospective buyer. On the basis of the answers, options are offered to the prospective buyer. This makes it extremely easy for an individual to choose the appropriate policy.

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