Term Insurance Comparison Sheet — Top 10 Insurers 2024
Side-by-side comparison of premiums, claim settlement ratios, riders, and exclusions for India's top term plans
What's Inside
Everything you need, nothing you don't.
10 insurers compared: LIC, HDFC Life, ICICI Pru, Max Life, Bajaj Allianz, Tata AIA, PNB MetLife, Kotak, Aegon, Canara HSBC
25+ parameters: premium (age 25/30/35/40/45), CSR, solvency ratio, claim TAT, rider options
Pre-filled formulas: enter your age & coverage — see instant premium estimates
Rider comparison: Critical Illness, Accidental Death, Waiver of Premium, Terminal Illness
Exclusion checklist: suicide, substance abuse, hazardous activities, pre-existing conditions
Updated quarterly — you get auto-updates via email
This Is For You If...
You're in one of these situations:
First-time term insurance buyers (age 25-45)
People comparing agent quotes vs direct online prices
Anyone wanting to understand rider value before buying
Why Trust Hari Kotian?
With 25+ years in the insurance industry and over ₹50 Crores recovered in rejected claims, I've seen every rejection reason, every insurer tactic, and every appeal strategy that works. This resource is built from real case experience — not theory.
Hari Kotian
IRDAI Certified Advisor
Quick Questions
Is this really free?
Yes, 100% free. We believe informed policyholders make better decisions. No credit card, no hidden charges, no spam.
How do I receive it?
Instantly via email after you submit the form. Most people receive it within 2 minutes. If it lands in spam, check your promotions folder.
Will you call me if I submit?
Only if you ask us to. We'll send you the resource and one follow-up offer for a free consultation. You can unsubscribe anytime.
Do you guarantee results?
No one can guarantee an insurance outcome — anyone who does is not being honest with you. What we guarantee: accurate information, proven process, and honest guidance.