Family Financial Protection
Secure Your Family's Lifestyle With ₹1 Crore Life Cover
Affordable term life insurance ensuring your children's education, family home loan liabilities, and household expenses remain 100% protected no matter what happens.
Zero-Cost Term Insurance
Want your money back if you stay healthy? Opt for our Return-of-Premium (ROP) plans where 100% of all premiums are refunded to your bank account upon turning 60.
Claims settlement ratio above 99%
Dedicated claim assistance advocate for nominees
100% Return of Premium (Zero Cost)
Get all your paid premiums refunded if you survive the policy term at age 60/65.
Critical Illness Riders
Lump sum payout upon diagnosis of 64 critical illnesses including heart attack, cancer, and stroke.
Accidental Death Benefit
Double sum assured paid out to nominees in case of unfortunate accidental demise.
Tax Exempt Under 80C & 10(10D)
Annual premium deduction up to ₹1.5L under Sec 80C, and claim payouts are 100% tax-free under Sec 10(10D).
Compare Top Term Life Insurance Plans (2026)
| Insurer | Plan Name | Claim Settlement Ratio (CSR) | Sum Assured | Starting Monthly Cost | Action |
|---|---|---|---|---|---|
| HDFC Life | Click 2 Protect Super | 99.5% | ₹1 Crore Cover | ₹490 / month* | Apply Online |
| Tata AIA Life | Sampoorna Raksha Supreme | 99.1% | ₹1 Crore Cover | ₹450 / month* | Apply Online |
| ICICI Prudential | iProtect Smart | 98.9% | ₹1 Crore Cover | ₹475 / month* | Apply Online |
| Max Life | Smart Total Elite Protection | 99.5% | ₹1 Crore Cover | ₹510 / month* | Apply Online |
Frequently Asked Questions
PolicyBulls is not a direct lender or insurance provider. We are a trusted financial marketplace connecting you with 70+ leading banks, NBFCs, and top insurance companies across India. We provide unbiased advice, side-by-side comparisons, and end-to-end assistance to ensure you secure the best possible rates and terms.