Choosing the right life insurance plan is crucial to ensure your family’s financial security. In 2025, the spotlight is on term insurance for pure protection, endowment plans for savings, ULIPs for wealth creation, and whole life policies for lifelong cover. Let’s compare the best options based on features, premiums, and benefits.
1. LIC Tech Term Plan
LIC’s fully digital Tech Term Plan allows ₹50 lakh to ₹2 crore cover for ages 18–65. With a claim settlement ratio (CSR) of 98.5%, it combines LIC’s trust with ease of online purchase. Raw details available at:
https://www.mahatait.in/best-life-insurance-plans-in-india-for-2025/
2. HDFC Life Click 2 Protect Super
Offering three variants (Life, Life Plus, Life Goal), this online term policy includes optional riders like critical illness and premium waiver. Coverage extends up to age 85 and CSR exceeds 99%. Learn more at:
https://abhikhabatak.com/best-term-insurance-plans-india-2025/
3. ICICI Prudential iProtect Smart Term Plan
This comprehensive plan (CSR ~98%) covers terminal illness, 34 critical illness conditions, accidental death, and premium waiver. It extends up to age 99. A Reddit user noted ICICI’s affordability and coverage. More info at:
https://abhikhabatak.com/best-term-insurance-plans-india-2025/
4. Max Life Smart Secure Plus
Boasting a CSR of 99.6%, this plan allows return-of-premium (ROP), critical illness riders, flexible payout and premium break options. Highly rated by experts. Details:
https://moneymarsh.com/top-term-insurance-plans-in-india-for-2025/ sonimoney.com+1jupiter.money+1
5. Tata AIA Sampoorna Raksha Supreme
This whole-life policy covers individuals up to age 100, with inbuilt terminal illness benefits and life-stage cover enhancement options. CSR is approximately 99.1%. Info:
https://moneymarsh.com/top-term-insurance-plans-in-india-for-2025/
6. SBI Life eShield Next
Offering both level and increasing cover, SBI eShield Next comes with terminal illness and accident riders. CSR stays near 98%. Details can be found at:
https://www.mahatait.in/best-life-insurance-plans-in-india-for-2025/
7. Bajaj Allianz eTouch II (Smart Protect Goal)
With CSR around 99%, this term plan is affordable and includes critical illness and disability riders, ROP, and premium holiday options. Learn here:
https://abhikhabatak.com/best-term-insurance-plans-india-2025/
8. LIC Jeevan Anand
This popular endowment plan offers life cover plus a savings component, paying bonuses and maturity benefits. It is best for disciplined savers looking for low-risk instruments. Insights at:
https://www.inventiva.co.in/trends/best-life-insurance-policies/ myinvestmentideas.com
9. HDFC Life Click 2 Wealth (ULIP)
This market-linked plan enables fund switches, return of mortality charges, and long-term wealth creation. More details at:
https://www.inventiva.co.in/trends/best-life-insurance-policies/
10. SBI Life Wealth Assure (ULIP)
Offering investment with insurance, this plan includes premium flexibility, guaranteed additions, and loan options against the policy. Info:
https://www.inventiva.co.in/trends/best-life-insurance-policies/
⚖️ Quick Comparison Table
| Plan | CSR (%) | Coverage Term | Standout Features |
|---|---|---|---|
| LIC Tech Term | 98.5 | Up to 65 years | Digital ease, online convenience |
| HDFC Click 2 Protect Super | 99+ | Up to 85 years | Flexible riders & cover |
| ICICI iProtect Smart | 98 | Up to 99 years | 34 CI + ROP options |
| Max Life Smart Secure | 99.6 | Up to 80 years | ROP, premium breaks |
| Tata AIA Sampoorna Supreme | 99.1 | Up to 100 years | Life-stage cover boosts |
| SBI eShield Next | ~98 | Up to 100 years | Term/level option, riders |
| Bajaj Allianz eTouch II | 99 | Up to 85 years | ROP, holiday riders |
| LIC Jeevan Anand | — | Varies | Savings with bonus |
| HDFC Click2Wealth (ULIP) | — | Varies | Fund flexibility |
| SBI Wealth Assure (ULIP) | — | Varies | Guaranteed addition |
🧠 Why Term Insurance Matters More
For pure protection, term insurance remains the most affordable option, offering high coverage at low premiums. ULIPs and endowments are beneficial for those looking to blend savings/investments with insurance.
Before decisions, assess your financial needs and risk appetite. Ensure your plan aligns with dependents’ requirements, outstanding commitments, retirement goals, and timeline for coverage.
💡 Smart Buying Tips
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Know your coverage need – aim for 10–15× your annual income
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Check CSR – choose insurers with at least 97% CSR
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Select riders only if needed – CI, waiver, accidental add-ons
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Buy online – digital plans often cost 10–15% less
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Align term with goals – until retirement or dependents are financially independent
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Compare quotes – use aggregators like PolicyBazaar for easy comparisons at https://www.policybazaar.com/ retire100.com+7budgetindia.in+7economictimes.indiatimes.com+7taxbuddy.com+1goodreturns.in+1indiafilings.com+6caclubindia.com+6economictimes.indiatimes.com+6
📣 What Reddit Users Say
One user noted:
“ICICI Pru iProtect Smart is affordable with extensive coverage.” (Reddit, r/personalfinanceindia) indiafilings.com+12goodreturns.in+12timesofindia.indiatimes.com+12
Another added:
“Max life then HDFC and Tata” for top CSRs.
✅ Final Words
A strong life insurance plan secures your family’s future when you aren’t around. Term plans like LIC Tech Term, HDFC Click 2 Protect, and ICICI iProtect are ideal for protection-focused buyers. Add ULIPs or endowments (like Jeevan Anand) if you’re also saving. Conduct regular reviews as life stages change or your goals evolve.
