When it comes to protecting your family’s financial future, term insurance offers one of the simplest yet most powerful tools. It’s pure protection—if something happens to you, your loved ones receive a lump sum. No maturity benefits, but very affordable for the coverage it provides. At Doorstep Bima, we help you compare the best term plans in India so you can choose what works for your budget & needs.
What to Look for in a Good Term Plan
- Claim Settlement Ratio (CSR): A higher CSR means that insurer has a strong track record of approving claims.
- Sum Assured Options: The amount your family will receive. Make sure it's adequate (often many multiples of your annual income).
- Entry & Exit Ages: Up to what age you can enter, and until what age coverage is available.
- Premium Payment Term: Regular, limited or single premium.
- Optional Riders: Add-ons for accidental death, critical illness, waiver of premium, etc.
- Death Benefit Variants: Lump sum, monthly income, increasing cover with time, etc.
Top Term Insurance Plans in India (2025)
| Plan | Key Features | Why It’s Good |
|---|---|---|
| HDFC Life Click 2 Protect Plus | Multiple variants, in-built critical illness, increasing cover, waiver of premium | High flexibility & strong CSR. |
| Max Life Smart Secure Plus | Two death benefit options, optional riders, terminal illness cover at zero cost | Great for those wanting extra peace of mind. |
| ICICI Prudential iProtect Smart Term Plan | Affordable premiums, wide entry age, strong CSR, critical illness cover | Good mix of cost vs benefits. |
| PNB MetLife Mera Term Plan Plus | Spouse cover, child education benefit, return of premium option, high flexibility | For families who want additional cover. |
| SBI Life eShield Next | Multiple variants (level cover, increasing, future-proofing), large sum assured options | Trusted insurer, good mix of protection + features. |
| LIC Tech Term (Plan 854) | Backed by LIC’s reputation, trusted CSR, basic online plan | For those who prefer a trusted public sector insurer. |
Tips to Choose the Right One for You
- Calculate Sum Assured Wisely: Typically, 10–20× your annual income or more, depending on your responsibilities.
- Select Riders Based on Risk: Riders like accidental death or critical illness can add extra safety.
- Go for Increasing Cover: Because inflation reduces value of money; opt plans where cover increases over time.
- Check Premium Payment Term: Limited or single premium may cost more per year but require fewer payments.
- Choose Insurer with Good CSR & Reputation: A high CSR means claims are more likely to get approved.
Why Choose Doorstep Bima?
- * We help you compare top term insurance plans side by side.
- * Transparent information—no hidden charges.
- * Support with selecting riders that match your needs.
- * Assistance in claim filing, renewal reminders, etc.
Secure your family’s future today. Compare the best term insurance plans, pick one that covers your needs, and rest easy knowing you’re protected.
