1- Kotak e-Preferred
(a) Who can buy – Any person aged between 18 years to 65 years
(b) Policy Term – 5 – 30 years
(c) Minimum Sum Insured –25 lacs
(d) Maximum Sum Insured –Unlimited (Subject to underwriting)
(e) Riders –– No Riders Available
(f) Life cover Step-Up/ Step down option available
(g) No medical examination on exercising the Step-Up option
(h) Reduced Premium rates for non-tobacco and women
(i) Plan conversion option
2- Aviva i-Life
(a) Who can buy – Any person aged between 18 years to 55 years
(b) Policy Term – 10 – 35 years
(c) Minimum Sum Insured – 25 lacs
(d) Maximum Sum Insured – Unlimited (Subject to underwriting)
(e) Riders – Accidental Death Benefit (ADB) Rider
(f) Rebate on Large Sum Assured
(g) Additional rebate for female lives of 5% on the tabular premium rates for male lives.
3- Met Protect
(a) Who can buy – Any person aged between 18 years to 60 years
(b) Policy Term – 10-35 years
(c) Minimum Sum Insured – 25 lacs
(d) Maximum Sum Insured – Unlimited (Subject to underwriting)
(e) Riders – No Riders Available
(f) Lower premiums for being a Non-Smoker
(g) Reduced rates for women
4- ICICI Pru iCare
(a) Who can buy – Any person aged between 18 years to 65 years
(b) Policy Term – 5 – 30 years
(c) Minimum Sum Insured – 10 lacs
(d) Maximum Sum Insured – Rs. 1.5 Crore (Subject to underwriting)
(e) Offline/Online both buying options – Buy online/advisor/branch
(f) Riders – ICICI Pru iCare offers inbuilt Accidental rider for its option II.
5- AEGON Religare iTerm
(a) Who can buy – Any person aged between 18 years to 65 years
(b) Policy Term – 5-57 years
(c) Minimum Sum Insured – 10 lacs
(d) Maximum Sum Insured – Unlimited (Subject to underwriting)
(e) Riders – AEGON Religare iTerm has inbuilt terminal illness rider which pays 25% of Sum Assured on diagnosis of critical illness. By paying additional premium, you can opt for Accidental death rider, Waiver of premium on critical illness rider and women critical illness rider.
Other Online Term Insurance Plan Options
A- HDFC Click 2 Protect
(a) Who can buy – Any person aged between 18 years to 55 years
(b) Policy Term – 10/15/20/25/30 years
(c) Minimum Sum Insured – 10 lacs
(d) Maximum Sum Insured – 10 Crore
(e) Riders – No Riders Available
B- IndiaFirst Anytime
(a) Who can buy – Any person aged between 18 years to 60 years
(b) Policy Term – 5-30 years
(c) Minimum Sum Insured – 10 lacs
(d) Maximum Sum Insured – 49 lacs
(e) Riders – No Riders Available
C- Future Generali Smart Life
(a) Who can buy – Any person aged between 18 years to 60 years
(b) Policy Term – 8-30 years
(c) Minimum Sum Insured – 15 lacs
(d) Maximum Sum Insured – 49.99 lacs
(e) Riders – No Riders Available
D- Bharti AXA iProtect
(a) Who can buy – Any person aged between 18 years to 50 years
(b) Policy Term – 10/15/20/25/30 years
(c) Minimum Sum Insured – 25 lacs
(d) Maximum Sum Insured – 50 Crore
(e) Riders – No Riders Available