India ke 2024 ke Best Term Insurance Plans || Top 4 Term Insurance Plans || Jeevan Bima


Top 4 Term Insurance Plans,Insurance ka chayan karna aaj kal bahut mahatvapurna hai, khaaskar jab humare parivaar ki suraksha ki baat aati hai. Jivan Bima humare bhavishya ki raksha mein ek mahatva purna bhumika nibhata hai. Yahan par hum dikhayenge 2024 ke Bharat ke 4 sabse acche term insurance plans ki samiksha.ss

Top 4 Term Insurance Plans

1. LIC Tech Term Plan

LIC (Life Insurance Corporation), desh ka sabse bada aur vishwa mein prasiddh jivan bima company hai. Unka Tech Term Plan ek aisa plan hai jo aapko ek bade cover ke sath mukammal suraksha pradan karta hai.

  • Minimum Sum Assured: 50 Lakh
  • Policy Term: 10-40 Saal
  • Maximum Cover Till: 80 Saal
  • Premium (30-year-old non-smoker): ₹12,461
Top 4 Term Insurance Plans

2. SBI Life e-Shield

State Bank of India ki jivan bima company, SBI Life, bhi ek pramukh player hai. Unka e-Shield plan aapko moolyavan suraksha pradan karta hai sath hi pura jeevan ke liye bhi cover deta hai.

  • Minimum Sum Assured: 50 Lakh
  • Policy Term: 5-40 Saal
  • Maximum Cover Till: 100 Saal (Pura Jeevan)
  • Premium (30-year-old non-smoker): ₹13,683

Top 4 Term Insurance Plans

3. HDFC Click 2 Protect

HDFC Life bhi ek prasiddh bima company hai, aur unka Click 2 Protect plan aapko digital taur par suraksha pradan karta hai.

  • Minimum Sum Assured: 50 Lakh
  • Policy Term: 10-40 Saal
  • Maximum Cover Till: 100 Saal (Pura Jeevan)
  • Premium (30-year-old non-smoker): ₹13,500

4. ICICI iProtect Smart

ICICI Prudential ki iProtect Smart policy ek samriddh aur surakshit bhavishya ki or ek kadam hai.

  • Minimum Sum Assured: 50 Lakh
  • Policy Term: 5-40 Saal
  • Maximum Cover Till: 100 Saal (Pura Jeevan)
  • Premium (30-year-old non-smoker): ₹12,686

In term insurance plans ki tulna mein, aapko apni aavashyaktaon aur aarthik sthiti ke adhar par chayan karna chahiye. Har ek plan apne aap mein visheshtaon aur labh pradan karta hai.

Insurance Companies ki Ranking (2024) based on Total Business (In Cr.)

  1. LIC: ₹232,056.6 Crore
  2. SBI Life: ₹29,588.6 Crore
  3. HDFC Life: ₹28,683.1 Crore
  4. ICICI Prudential: ₹17,412.5 Crore
Top 4 Term Insurance Plans

In ranking se saaf hai ki LIC desh ka sabse bada jivan bima provider hai.

Additional Details

LIC Tech Term Plan

  • Add-Ons:
    • NA
  • Additional Benefits:
    • Accidental Death
  • Premium (30-year-old non-smoker): ₹12,461

SBI Life e-Shield

  • Add-Ons:
    • Accidental Death
  • Additional Benefits:
    • Early Payout on Terminal Illness – 50%
  • Premium (30-year-old non-smoker): ₹13,683

HDFC Click 2 Protect

  • Add-Ons:
    • NA
  • Additional Benefits:
    • Accidental Death
  • Premium (30-year-old non-smoker): ₹13,500

ICICI iProtect Smart

  • Add-Ons:
    • NA
  • Additional Benefits:
    • Accidental Death
  • Premium (30-year-old non-smoker): ₹12,686

Comparison of Term Plans

  • Minimum Sum Assured: 50 Lakh
  • Policy Term: Varies (5-40 Years)
  • **Maximum Cover Till:** Varies (80-100 Years)
  • Premium (30-year-old non-smoker): Varies (₹12,461 – ₹13,683)

How to Choose the Right Plan

  • Determine Your Coverage Needs:
    • Calculate your family’s financial needs, outstanding debts, and future expenses.
  • Consider Policy Term:
    • Choose a term that aligns with your financial responsibilities.
  • Compare Premiums:
    • Compare premiums based on your budget.
  • Review Additional Benefits:
    • Look for add-ons and additional benefits that suit your requirements.
  • Check Claim Settlement Ratio:
    • Consider the company’s claim settlement ratio for reliability.
Top 4 Term Insurance Plans

Conclusion

Inn sabhi term insurance plans ki tulna aur mukhya labhon ko madhya mein rakhkar, aapko apne parivaar ki suraksha aur bhavishya ke liye sahi yojna ka chayan karna chahiye. Har ek vyakti ki aarthik sthiti alag hoti hai, isliye apne zarurat ke anusaar plan chunne mein dhyan dein. Jivan bima ka chayan karne se pehle, niyamit roop se apni policy ko revise karte rahein aur apne vyaktigat aur parivaarik muddeon ko dhyan mein rakhein.

Yadi aap confused hain ya aur adhik jankari chahiye toh kripaya apne financial advisor se salah lein. Apni suraksha ka khyal rakhna hamare liye sabse mahatvapurna hai.

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