SIDE BY SIDE
Compare the details that matter.
Compare up to four real term plans using details published by the insurers. Check the official brochure before you decide.
Illustrative prototype · Not a quote or policy recommendation · Verify details with the insurer and a licensed professional
| Plan details | PUBLISHED DETAILSSmart Term Plan Plus | PUBLISHED DETAILSSampoorna Raksha Promise | PUBLISHED DETAILSClick 2 Protect Supreme | PUBLISHED DETAILSiProtect Smart Plus |
|---|---|---|---|---|
| Your estimated premium₹1 Cr cover till age 65 (35 yrs) | ₹1,009/monthEstimate, not a quote | ₹1,026/monthEstimate, not a quote | ₹1,036/monthEstimate, not a quote | ₹1,068/monthEstimate, not a quote |
| Insurer | Axis Max Life | Tata AIA Life | HDFC Life | ICICI Prudential Life |
| Annual premium, ₹1 Cr (age 25–45) | ₹8,612 – ₹37,124 | ₹8,756 – ₹37,612 | ₹8,847 – ₹37,884 | ₹9,118 – ₹39,266 |
| Cover amount | From ₹5 Lakh; no fixed maximum (set by underwriting) | From ₹5 Lakh; no fixed maximum (set by underwriting) | From ₹10,000; no fixed maximum (set by underwriting) | From ₹50 Lakh; no fixed maximum (set by underwriting) |
| Policy term | 10–67 years | 1–82 years | 2–67 years | 5–67 years |
| Entry age | 18–65 years | 18–65 years | 18–65 years | 18–65 years |
| Maximum maturity age | 85 years | 100 years | 85 years | 85 years |
| Benefits | 8 plan variants incl. whole life to 100, income protection, return of premium; inbuilt terminal illness; payout within 1 working day of claim; premium deferral up to 12 months | Life cover up to age 100 option; return of premiums at maturity option; 50% of cover on terminal illness diagnosis; ₹3 Lakh instant payout on claim intimation | Level life cover; optional Return of Premium; extra payout on accidental death; payout as lump sum or monthly income | Life, Life Plus (adds accidental death cover) and other variants; pay once, for a limited period or throughout the term |
| Exclusions | Suicide within 12 months; non-disclosure of health or lifestyle facts | Suicide within 12 months; non-disclosure of health or lifestyle facts | Suicide within 12 months; non-disclosure of health or lifestyle facts | Suicide within 12 months; non-disclosure of health or lifestyle facts |
| Riders available | Waiver of Premium Plus; Critical Illness and Disability Rider; Accidental Death and Dismemberment Rider (extra premium) | Accidental death, critical illness and waiver of premium riders (extra premium) | Accidental death benefit option; critical illness and waiver of premium riders (extra premium) | Accidental death benefit (Life Plus); critical illness and waiver of premium options (extra premium) |
| Payment terms | Regular pay | Regular pay | Regular pay | Regular pay |
| Premium frequency | Annual | Annual | Annual | Annual |
| Medical requirements | Medical underwriting may apply | Medical underwriting may apply | Medical underwriting may apply | Medical underwriting may apply |
| Data status | Published details · Sep 2026 | Published details · Sep 2026 | Published details · Sep 2026 | Published details · Sep 2026 |
| Last updated | 28/9/2026 | 28/9/2026 | 28/9/2026 | 28/9/2026 |
| Full plan page | Terms, riders and premium calculator | Terms, riders and premium calculator | Terms, riders and premium calculator | Terms, riders and premium calculator |
| Official source / documents | Plan page Official plan page or brochure. | Plan page Official plan page or brochure. | Plan page Official plan page or brochure. | Plan page Official plan page or brochure. |
Plan features and riders come from each insurer's website. Premiums are published examples for a healthy non-smoking man, ₹1 Cr cover for 30 years, from a 2026 comparison (OnePaisa); some were quoted for a sister version of the plan. Entry age, policy term, maturity age and cover limits are from each plan’s brochure for the standard regular-pay option (not point-of-sale versions); other payment options and variants can differ. Tata AIA’s shortest term is 13 months, shown as 1 year. None of this is a quote: your premium depends on underwriting.