Term Plan Comparison Chart

HDFC Life ICICI Prudential Bajaj Allianz Life Aegon Religare Life Bharti Axa Life LIC Insurance Life Insurance Insurance Insurance Insurance Term Assurance Plans iProtect New Risk Care iTerm Plan Anmol Jeevan SecureConfident Plan The HDFC Term ICICI Prudential Life Bajaj Allianz New Risk AEGON Religare iTerm The plan is Bharti AXA Life Assurance Plan Insurance has care is a Term Assurance Plan ensures protection for available to Insurance Company secures your launched ICICI Pru Plan with Regular/Single your loved ones - at a standard & sub Limited presents familys financial iProtect - a term premium payment fraction of the cost. And standard lives (upto SecureConfident, a need in case of insurance plan that options to secure your now, you can avoid the Class VI). This simple long-term life uncertainty. A you can buy online at life. It provides Life trouble of going through a plan is also insurance product that lump sum will be your convenience. Cover at the lowest cumbersome process and available for aims to ensure that the given to the You can now secure possible cost. Additional get yourself insured females & dreams that you family of the life your familys future rider benefits also directly as this the first handicappers. You aspired for your available with regular Term Plan which can be need to submit a family in your Overview assured in case of at the click of a death or critical button and can even premium plan. bought online. It is not standard age proof lifetime, dont remain illness( if option is customize this term Accidental Death Benefit only simple but also with the proposal unfulfilled by the chosen) of the life plan according to and Accidental available at your finger form . financial void which assured during the your insurance needs. Permanent Total/Partial tips. might get created due term of contract. Disability Benefit is also to unfortunate event You can choose a available. of death. lump sum that will replace the income lost. Minimum- 18 Minimum- 20 years Minimum- 18 years Minimum- 18 years Minimum- 18 years Minimum- 18 years years Entry Age Maximum- 60 Maximum- 65 Maximum- 65 years Maximum- 60 years Maximum- 60 years Maximum- 55 years years years 5 - 30 years 10 - 30 years 5 - 40 years 5 - 25 years 5 - 25 years 10 - 25 years Term 1). Minimum 1). Minimum 1 ). You can invest 1). Minimum premium is 1). You can invest 1). You can invest Features premium is only premium is only minimum Rs 1,414 minimum Rs15,00 p.a Company

2000 p.a

Rs.2000 p.a 2). Life Insurance 2). The plan can cover at extremely affordable premiums. be taken on a single life basis or 3). Special Premium on joint life basis. rates for NonTobacco users. 3). Nominee or 4). This is the assignee will get cheapest Term Plan the chosen Sum which can be bought online. Assured. 4). Plan doesnt provide anymaturity or survival benefit . 5). Additional option benefit offered .

minimum Rs15,00 p.a

p.a only. 2). Sum assured 2). Higher Insurance 2). The plan pays a sum will be paid to the coverage at low assured to your nominee beneficiary in the premium. in case of your unfortunate unfortunate event of death of the demise. policy holder. 3). Enhanced protection options available through 3. Premium paying term is 3). Sum Assured Additional Rider Benefit. equal to the policy term. Rebate: In case of regular premium 4). Sum assured will be 4). This is a very low cost payment the rebate is NIL. paid to the nominee in hassle free Term Plan 4). Mode Rebate: the unfortunate event of launched ever. In case of yearly death of the policy mode the annual holder. No maturity premium is of 1% benefit and NIL in case of 6 months. 5). Premium payment can 5). The policy does be done Annual, Seminot require any annual, Quarterly, paid-up value. Monthly, and Single. 6). No surrender value is available 6). Rebates on premium under this policy in case of higher sum too. assured.

only 1200 p.a

only. 2). Financial protection against unfortunate event of death at an affordable cost. 3). Premium payment can be done Annual, Semi-annual, Quarterly, Monthly and Single. 4). You can revive your lapsed policy by paying the due premiums with the due interest within 2 years of the date of discontinuance of the premium.

Tax benefits under Tax benefit available Tax benefit available Tax benefit sections 80C, 80D Tax benefit available u/s Tax benefit under under section 80C of under section 80C & available under Tax and 10(10D) of 80C & 10(10D) of section 80C of the the Income Tax act, 10(10D) of the Income section 80C of the Benefits Income Tax Act, Income Tax Act. Income Tax Act. 1961. Tax act, 1961. Income Tax act. 1961. Disclaimer: Please note that the information provided is collected from sources publicly available & we believe to be reliable. The website doesnt warrant the accuracy, reliability & absolute information available on the website. Participation by site visitors or registered customers is on a voluntary basis. The policies are offered by various life Insurance & non-life insurance offering

companies and Bimadeals does not seek to, either directly or indirectly, advise, offer, solicit or recommend that any person who is or proposes to become its member should purchase the Policy.

ULIP Plan Comparison Chart

Company Min Premium Premium Entry Partial Surrender Paying Age Withdrawl Term Brief HDFC SL Crest insurance cum investment plan provides valuable financial protection to your family when needed the most along with an 5 Yrs investment option for certainty of highest NAV along with a guarantee on returns. So that when you reap the returns of life, they are on crests not on lows. It is a unique single premium ULIP that provides the opportunity to enjoy potentially higher 10-30 Yrs returns over the long term investments, with just a single premium. Kotak Secure Invest Insurance is a unit linked life insurance plan and lets you enjoy the upside 30 Yrs of the market while safeguarding the downside by way of Capital Guarantee. It not only helps you gain from your investment 15-40 Yrs. but also minimize the risk to your returns as your policy nears maturity. SBI Life Saral Maha Anand, a unit linked 10-20 Yrs insurance cum savings plan. Getting a Life Insurance policy has been made very easy. No

50,000 14-55 Yrs HDFC SL Crest

5 Yrs

5 Yrs

LifeLink Wealth SP Plan Secure Invest Insurance

40,000

0-60 Yrs

5 Yrs

5 Yrs

50,000

0-60 Yrs

6 Yrs

5 Yrs

20,000 Future Protect Plan

7-60 Yrs

5 Yrs

5 Yrs

15,000 18-55 Yrs Saral Maha Anand

6 Yrs

5 Yrs

Met Smart Platinum

30,000 (Annual 7-70 Yrs Mode)

2 Yrs

5 Yrs

Advantage Insurance Plan

25,000

8-60 Yrs

5 Yrs

5 Yrs

Select Insurance Plan

18,000

7-60 Yrs.

5 Yrs.

5 Yrs.

Prospering Life

48,000

8-55 Yrs

5 Yrs

5 Yrs

Life Bond Advantage

50,000

2-65 Yrs

5 Yrs

5 Yrs

medical examination, which means hassle-free coverage. Enjoy the power of liquidity through partial withdrawals. Met Smart Platinum, a Unit-Linked Plan which 5 pay/ can be customized to match your ever changing 10pay/ financial needs! This whole life plan offers you entire term the flexibility of short premium payment of the commitments along with a multitude of other policy benefits including the unique Auto Rebalancing Portfolio Strategy. This exciting new ULIP product gives you the guarantee to encash your units at maturity, at the 5-7 Yrs highest unit price achieved by the fund over the 10-year term of your policy. With Future Generali Select Insurance Plan we help you get into a discipline of regular savings and build wealth over a period of time. This ULIP gives you freedom from timing the markets 10-20 Yrs. and helps you build wealth over time for you and your loved ones apart from offering precious life cover to provide financial security to your family. ING Prospering life is an excellent tool for wealth creation while enjoying control over your 16 or 20 assets at all times. It offers multiple fund options Yrs and investment strategies that help you maximize returns as per your investment objective. It is a Single Premium unit linked insurance plan that offers you an opportunity to invest a lump Single sum for medium to long term together with Life Cover and flexibility to access your money after 5 years.

Shriram Ujjwal Life is a regular premium unit linked insurance plan designed to make you reach your financial target. Be it your Childs 30,000 7-65 Yrs 5 Yrs 5 Yrs 10 Yrs Education, Daughters Marriage or just a Peaceful Retired Life. Beyond that the plan also Ujjwal Life protects your family against uncertain events in future. IndiaFirst Smart Save Plan offers you an insurance cover on your life and additionally 12,000 5-60 Yrs 5 Yrs 5 Yrs 15-25 Yrs. helps you grow and develop a body of wealth Smart Save Plan through market linked investments. Jeevan Bima - This Unit linked plan is a unique blend of risk coverage. All the objectives of 12-55 Yrs 20,000 3 Yrs 5 Yrs 8-20 Yrs buying a life insurance plan are taken care of Utkarsh Jeevan with a potential of earning higher returns over the Bima term of the policy. Disclaimer: Please note that the information provided is collected from sources publicly available & we believe to be reliable. The website doesnt warrant the accuracy, reliability & absolute information available on the website. Participation by site visitors or registered customers is on a voluntary basis. The policies are offered by various life Insurance & non-life insurance offering companies and Bimadeals does not seek to, either directly or indirectly, advise, offer, solicit or recommend that any person who is or proposes to become its member should purchase the Policy.

Pension Plan Comparison Chart

HDFC Life ICICI Prudential insurance HDFC Personal Plans LifeLink Pension SP Pension Plan The HDFC ICICI Pru LifeLink Pension Personal Pension SP is a single premium plan Plan is a With that provides you the Profits insurance opportunity to enjoy regular policy that is income post retirement by planned to just paying a single premium. provide a post- This product comes with the retirement Pension Return Guarantee income for life Fund (PRGF) which provides Overview with the freedom you a minimum guaranteed to choose your NAV of retirement date. Rs. 19.10 (conditions apply) at the time of vesting. Company Kotak Life SBI Life Bajaj Allianz Life LIC Insurance Insurance Insurance Retirement Income Lifelong Pension Plus Swarna Vishranti Pension Plan Plan The Kotak LICs Pension Plus It is a unique individual Bajaj Allianzs Retirement Income is a unit linked non participating Swarna Vishranti is a Plan is a savings deferred pension traditional pension plan, plan with an option to plan planned to meet plan, which which gives you total take a tax-free lump your post-retirement provides you a protection and security sum upto 33% of needs. It is a plan minimum while offering you Sum Assured + that gives you "Jeene guarantee on the whole transparency and Accrued Bonuses. ki azaadi". It gives gross premiums flexibility. This Plan is a Open Market option: you the choice to paid. The plan is perfect way for you to Purchase immediate continue without any life accumulate your savings annuity from Bajaj independent even cover. and purchase an annuity Allianz Life after retirement. with it, a time of your Insurance or any choice, to give you other Life Insurance regular income. You Company. And also would agree that all this additional benefits will surely give you a can be availed of. secure future, and a cheerful retirement. Minimum- 18 years Minimum- 18 years Maximum- 60 years 5-30 years 45-65 years Maximum- 75 years 10 years 40-85 years Minimum- 18 years Maximum- 65 years 5-40 years 40-70 years Minimum- 18 years Maximum- 65 years 5-40 years 45-70 years

Entry Age

Term Maturity 50-70 years Age Features 1). A post

Minimum- 18 years Maximum- 60 years 10 - 40 years

Minimum- 35 years Maximum- 70 years 10 years 45-80 years

1. Single premium ULIP: Pay 1). You may take a 1). you may pay

1). You will know how 1). Option to take a

Retirement premium only once and get lump sum in cash of premiums regularly your premiums are tax-free lump sum Income. regular income (pension) post up to a 3 rd of your at yearly, halfgrowing each step of the upto 33% of Sum 2). Flexibility to retirement. Basic Sum Assured yearly or quarterly way. At the end of each Assured + Accrued plan your 2. Five pension options: or Accumulation or monthly financial year Bonuses. retirement age. Flexibility to decide a pension Account, whichever (through ECS 2). ) Guaranteed 2). Open Market 3) Choice of plan as per your needs is higher; and the mode only) Additions of 10% of option: Purchase Single premium 3. Flexible retirement date: balance of the intervals over the Annual Premium on immediate annuity and Regular Receive pension at any time benefit you are term of the policy. 15th policy anniversary from Bajaj Allianz premium. after the age of 45 eligible for will be Alternatively, a & 10% of Annual Life Insurance any 4) Flexible 4. Loyalty Addition: Up to used to buy an Single premium Premium on every 5th other Life Insurance premium 2.5% of Fund Value at the annuity of your can be paid. policy anniversary Company. payment option end of the 10 th policy year choice. 2). If all due thereafter in case of Accidental Death 5) Benefit to 5. Tax benefits: On the 2). You may buy an premiums are paid Regular Premium policy Benefit and nominee in case premium paid and benefits annuity either from till maturity, a whereas for Single Disability3). of unfortunate received under the policy, as Kotak Life Insurance guaranteed interest Premium policy, 1% of Additional Benefits: death per the prevailing Income Tax (subject to the shall accrue on the Single Premium on 15th Critical Illness 6) On your laws. choice and rates gross premium, policy anniversary & 1% Benefit and Hospital chosen retirement 6). Premium payment can be available at that including Top-up of Single Premium on Cash (vesting) date done monthly, half-yearly or time), or from any premiums if any, at every 5th policy Benefit.Benefit. you will get the yearly. other registered the end of each anniversary thereafter. 4). Family Income Sum assured + insurer. financial year. 3). Added to this is the Benefit: In case of bonus which You 3). You may opt to 3). A guaranteed matchless advantage of death or accidental can take up to 1/3 retire early, i.e. at minimum interest our expertise in total permanent rd as tax free any age before the rate of 3.5% p.a. investment management disability of insured, lump sum cash** normal retirement shall be credited to that shields you from the all future premiums 7). Premium date (subject to the the Discontinued vagaries of the markets are waived and 1% of payment can be policy being in force Policy Fund and gives you stable the sum assured is done monthly, for 3 years or your constituted by the investment returns that paid monthly. half-yearly or attaining a minimum fund value of all grow your retirement 5). Term Cover: yearly. age of 45 yrs, discontinued kitty. Additional life ** As per the whichever is later). policies. 4). Choose Single or insurance protection prevailing 4). You may opt to 4). You can pay Regular payment, as per at a nominal cost. Government retire after the additional premium your need 6). Premium payment

regulations

Tax benefit TaxBenefit Under section TaxBenefit under available under 80CCC and 10(10A) of the section 80CCC (1)of Tax section 80CCC of Income Tax Act, 1961 the Income tax act Benefits the Income tax now act, 1961. Disclaimer: Please note that the information provided is collected from sources publicly available & we believe to be reliable. The website doesnt warrant the accuracy, reliability & absolute information available on the website. Participation by site visitors or registered customers is on a voluntary basis. The policies are offered by various life Insurance & non-life insurance offering companies and Bimadeals does not seek to, either directly or indirectly, advise, offer, solicit or recommend that any person who is or proposes to become its member should purchase the Policy.

retirement date in multiples of 5). Augment your originally selected, Rs.1, 000 without retirement kitty at any and select a new any limit at time during the policy retirement date anytime during the term by making (subject to a term of policy. Additional maximum of 65 Top-up shall not be Contributions. years). allowed during the 6). Option to Prepone or 5). Premium last 5 years of the Postpone the Vesting payment can be done contract. Age 7). Premium monthly, half-yearly 5). Premium payment can be done or yearly payment can be monthly, half-yearly or done monthly, half- yearly. yearly or yearly Tax benefit under You can also avail You can also avail the Section 80C, the tax benefits U/S tax benefits U/S 80C of 10(10D) of Income 80CCC of Income Income Tax act. Tax Act, 1961 Tax act.

can be done monthly, half-yearly or yearly.

Children Plan Comparison Chart

Minimum Min- Premium Company Death Benefit Maturity Benefit Max Age per Annum Life Insured: An amount equal to the 20-60 Accumulated amount till maturity date Rs. 6,000 Sum Assured will be paid Jeevan yrs, with guaranteed benefits to the beneficiary. Anurag child: N.A Life Insured: All future Premiums will The higher of the basic Sum Assured or 18-60 Child Rs. 4,000 be waived and policy will the Accumulation account will be paid on Advantage yrs, continue till maturity. maturity. child: Plan 0-17 yrs Life Insured: Accumulated Value as per NAV at 20-60 The sum assured would be Rs. 8,400 maturity time with loyalty additional paid out immediately. SmartKid yrs, bonus child: 0-12 yrs Life 100% of applicable sum Insured: assured is paid 21-50 Rs. The fund value is paid for higher immediately to the Shiksha yrs, 24,000 education on the maturity date. nominee on the death of plus II child: life assured. 0-18 yrs Rs. The Minimum death Fund Value will be paid as Maturity Life benefit. Insured: 15,000 benefit will be at least Minimum Partial Surrender Premium Withdrawal Value Payment (year) (year) Term

10 yrs

N.A.

100% value after 10th yr

10 or 30 yrs

After 100% value completion of after 5th yr 5 yr

5yrs or After 100% value equal to the completion of after 8th yr policy term 5 yr

After 100% value 15-20 yrs completion of after 5th yr 5 yr After 100% value completion of after 5th yr

5 yr

18-65 yrs, child: N.A. Life Insured: 18-60 yrs, Bright Stars EDGE child: 0-20 yrs Life Insured: 18-57 Smart yrs, Scholar child: 0-17 yrs Life Insured: 18-65 yrs, Classic Child Plan child: 30 days17 yrs Life Insured: 18-60 yrs, Rising Star Plan child: 1day-15 yrs Life Insured: Young 21-50 YougStar SuperII

105% of the premium paid.

5 yr

Maximum of Sum Rs. Assured or 105% of all 18,000 premiums paid. A lump sum benefit equal to higher of the Sum Rs. Assured or 105% of all 50,000 premiums paid till date of death will be payable.

After On Maturity, you will get the policy fund 100% value 10 - 20 Yrs completion of value after 8th yr 5 yr

The fund value shall be paid to beneficiary in a lump sum.

5-25 yrs

After 100% value completion of after 5th yr 6 yr

Basic Sum Assured will be paid to the beneficiary, Rs. the policy will continue as 25,000 long as the secondary life insured is alive.

You will receive the Fund Value at maturity.

10 yrs

After 100% value completion of after 5th yr 5 yr

Maximum of Sum Rs. Assured or 105% of all 20,000 premiums paid.

Accumulated Value as per NAV at maturity time with loyalty additional bonus

equal to After 100% value the policy completion of after 8th yr term 5 yr

All future premiums are On maturity, the Fund Value pertaining to 5 yr or After Rs. 100% value waived off and the amount both regular premiums and Top-up equal to completion of 20,000 after 10th yr of Life Cover shall be premiums will be paid to the policyholder the policy 5 yr

yrs, payable to the nominee. along with accrued Loyalty Additions, if term any as on the maturity date. child: 0-17 yrs Life Insured: Maximum of Sum On Maturity of the policy guaranteed After 20-50 100% value Rs. 6,000 Assured or 105% of all additional as explained above would be 10 - 20 Yrs completion of Met yrs, after 8th yr premiums paid. payable 5 yr Bhavishya child: 8-12 yrs Life Insured: Maximum of Sum On Maturity of the policy guaranteed After 20-55 100% value Rs. 6,000 Assured or 105% of all additional as explained above would be 10 - 20 Yrs completion of yrs, after 8th yr Aashirvad premiums paid. payable 5 yr child: 3-15 yrs Disclaimer: Please note that the information provided is collected from sources publicly available & we believe to be reliable. The website doesnt warrant the accuracy, reliability & absolute information available on the website. Participation by site visitors or registered customers is on a voluntary basis. The policies are offered by various life Insurance & non-life insurance offering companies and Bimadeals does not seek to, either directly or indirectly, advise, offer, solicit or recommend that any person who is or proposes to become its member should purchase the Policy. Scholar