Top 10 Life Insurance Plans In Hindi 2019

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Top 10 Life Insurance Plans In Hindi 2019

Life Insurance Aaj Sabhi Ke Liye Jaruri Hai . Kyoki  Insan Ka Fature Uncertain Hai.Aur Fature Me Kuch Bhi Ho Sakta Hai Isliye Apni Fature Security Ke Liye Life Insurance Jaruri Hai . Aur Sabhi Apna Bright Fature Ke Liye Life Insurance Karwate Hai . Aur Insurance Khud Ke Sath Family Ke Liye Bhi Bhut Jaruri Hai . Kyoki Yadi Kisi Family Ke Andar Koi Ek Hi Kmane Wala Ho Aur Use Kuch Ho Jaye Toh Sari Family Ko Bhut Jyada Problem Ka Samna Karna Pdega .  Isliye Financial Jarurto Ko Pura Karne Ke Liya Life Insurance Jaruri Hai .

Aaj Bahut Si Company Or Bank Hai Jo Life Insurance Ki  Facility Provide Karte Hain  Lekin Sabhi Ke Plan Acche Nahi Hai Bas Kuchi Bank Aur Company  Acchi Plan Provide Karte Hain . Aur Sabhi Company Ke Plan Me Alag Alag Premium Aur Sabhi Ke Alag Alag Benifit Milte Hai . Aur Koi Bhi Life Insurance Leta Hai Use Ek Hi Problem Hoti Hai Ki Vahe Kon Sa Life Insurance Le. Aur Kis Company Ke Life Insurance Me Investment Kare . Taki Uski Investment Bhi Safe Rahe Aur Use Achaa Return Mile . Toh Aaj Ham Apko Kuch Achee Life Insurance Plan Ke Bare Me Btayenge Jis Me Se Aap Koi Bhi Achaa Plan Choose Kar Sakte Hai.

Top Life Insurance Plans in India Comparison Chart 2017

Plan Names Plan Type Plan Mode Entry AgeMin/Max Policy TermMin/Max BonusYes/No Sum Assured (INR) Min/Max
HDFC Life Click2Protect Plus Term Online 18 years to 65 years 10 years to 40 years No Minimum- Rs.25 lakh Maximum- No limit
PNB MetLife Mera Term Plan Term Online 18 years to 65 years 10 years to 40 years No Minimum- Rs.10 lakh Maximum- No limit
HDFC Life Click2Invest ULIP Online 30 days to 65 years 5 years to 20 years No 125% of the single premium 10 times the annual premium
Aegon Life iTerm Plan Term Online 18 years to 65 years 5 years to 40 year or up to 75 years No Minimum- Rs.10 lakh Maximum- No limit
LIC New Jeevan Anand Endowment Offline 18 years to 50 years 15 years to 35 years No Minimum- Rs.1 lakh Maximum- No limit
SBI Life Shubh Nivesh Endowment Offline 18 years to 60 years 7 years to 30 years No Minimum- Rs.75,000 Maximum- No limit
SBI Life Saral Pension Pension Offline 18 years to 65 years 5 years to 40 years Yes Minimum- Rs.1 lakh Maximum- No limit
LIC New Jeevan Nidhi Pension Offline 20 years to 60 years 5 years to 35 years No Minimum- Rs.1 lakh Maximum- No limit
ICICI Prudential Wealth Builder II ULIP Offline 0 years to 69 years 10 years No Minimum- Rs.48,000 Maximum- No limit
Bajaj Allianz Cash Secure Endowment Offline 1 year to 60 years 15, 17 years No Minimum- Rs.1 lakh Maximum- No limit

1. HDFC Life Click 2 Protect Plus

HDFC Life Click 2 Protect Plus ek best life insurance plan me se ek hai. aur yah ek sasta aur best insurance plan hai yah kisi bhi middle class family dewara affordable hai aur yah HDFC bank dewara provide kiya jata hai . jo ek bhut populer bank me se ek hai .aur customer ispe bhut jyada trust karte hai . isliye yadi aap yah plan lete hai toh apki investment bilkul  safe rahegi . aur aap yah plan online bhi buy kar sakte hai

Aur isme bhi other  plan ki trah death benifit milta hai isme yadi policyholder ki death policy ke bich me ho jati hai toh policyholder ke nominee ko policy ki  puri payment milti hai .aur yah plan minimum 10 years aur maximum 40 years ke liye yah plan hota hai .
Features and benefits:

  • HDFC Life Click 2 protect plus plan me life cover option milta hai.
  • Aur isme Life cover ke sath  accidental death benefit option bhi mlita hai.
  • Yah ek online term insurance policy hai.
  • Isme  four cover options milte hai.
  • Aur yah ek Flexibility  policy hai jisme  10 se 40 years tak koi bhi plan le sakte hai.

Eligibility Of This Policy Is As Mentioned Below: 

Particulars Limits
Age Minimum 18 years
Maximum 65 years
Maturity age 75 years
Tenure of coverage Minimum 10 years
Maximum 40 years
Subject to meeting the maximum maturity age.

2. MetLife Mera Term Plan

MetLife Mera Term Plan Bhi kuch best insurance plan me se ek hai. MetLife Mera Term Plan  ek simple plan hai jo kisi person ke liye financial security and protection ke liye best option hai. yah affordable cost  ke sath  financial needs ko pura karta hai. aur yah plan 18 se 65 years tak ke perso le sakte hai aur iske andar 1,00,000 se uper tak investment nhi kar sakte hai . toh yadi aap apne fature ke liye financial security lena chahte hai . toh aap yah plan le sakte hai.

Features and benefits:

  • Yah  offline term insurance policy hai.
  • Yah insurance plan four payout options deta hai.
  • Is insurance plan me life cover increasing ka option milta hai.
  • Isme lowest premiums ke sath achaa insurance plan hai.
  • Iske andar 75 years age tak  ki coverage milti hai

3. HDFC Life Click2Invest ULIP

HDFC Life Click2Invest ULIP ek Unit Linked Insurance Plan (ULIP) hai. Is plan me  zero policy allocation charges aur zero policy administration charges legta hai. is plan ke andar only mortality risk  aur fund managing ka charge lagta hai. aur yah thodi si investment ke sath achhii life coverge  hai aur  yah 5 years se 20 years tak ki policy hai. aur yadi aap choti investment ke sath achii pollicy lena chahte hai toh aap yah policy le sakte hai . iske andar investment ke liye 8 fund options milte hai . aap apni invetment ki kisi bhi fund ke andar invest kar sakte hai aur isme  single, limited and regular premium payment option milte hai.
Features and benefits:

  • Isme Zero allocation charges lagta hai.
  • Aur Zero policy administration charges lagta hai.
  • Isme Policy term 5 to 20 years hai.
  • Premium paying term:
  • Single pay
  • Limited pay- 5,7 and 10 years
  • Regular premium- 5 to 20 years
  • 8 fund options milte hai.
  1. Equity Plus fund
  2. Diversified Equity fund
  3. Blue chip fund
  4. Opportunities fund
  5. Balanced fund
  6. Income fund
  7. Bond fund
  8. Conservative fund
  • Isme Income Tax Act 1961 ke  section 80C aur 10D ke under tax me chut melti hai.

Eligibility Criteria:

  • Age: Minimum-30 days Maximum-65 years
  • Age at maturity: Minimum-18 years Maximum-75 years
  • Policy term: 5 to 20 years
  • Minimum premium: Single- Rs.24,00 Annual- Rs.12,000 Bi Annual- Rs.6,000 Quarterly- Rs.3,000 Monthly- Rs.1,000

4. Aegon Life iTerm Insurance Plan

Aegon Life iTerm Insurance Plan ek simple insurance plan hai. yah plan un logo ke liye best hai jo log regularly travel  karte hai   is plan ke andar kuch financial liabilities bhi hoti hai. aur yah plan thodi si investment ke sath achii life coverage deta hai.  aur iss plan ke andar entry age the minimum age is 18 years aur maximum age 65 years hai. aur maximum allowed age limit is 75 years hai. aur aiske andar apko premium ke bhi achee option milte hai.
Features and Benifit of Aegon Life iTerm Insurance Plan;

  1. Policy Term –
    • Minimum – 5 years
    • Maximum – 40 years or up to 75 years
  2. Premium Payment Terms -Is plan me premium payment term policy other policy ki trah hai.
  3. Premium Payment Frequency –  Is plan me premiums paid annually or single payment hota hai.
  4. Sum Assured – Isme minimum sum assured Rs. 10,00,000 hai aur  maximum ki koi  limit nhi hai .
  5. Tax Benefits– Income Tax Act of 1961 ke sec. ke under tax me benifit milta hai .

5. LIC Jeevan Anand Plan

LIC Jeevan Anand ekendowment plan hai. iske andar multitude of benefits milte hai. aur ek bhut hi achaa insurance plan hai jo LIC dewara provide kiya jata hai. jo life coverage deta hai. aur ek bhut jyada benifit wala plan hai .iss plan ke andar Minimum entry age 18 years hai.aur Maximum entry age 50 years hota hai.   LIC Jeevan Anand  me koi extra charges nhi lagta hai .aur yah ek achaa long trem insurance plan hai. under Section 80C and Section 10 (10 D)  Income Tax Act tax me bhi benifit milta hai.aur yah fature ke liye ek best plan hai kisi person ke liye. yadi vah apne life coverage chahta hai.

Features and benefits:

  • Minimum entry age;– 18 years
  • Maximum entry age;– 50 years
  • Premium payment modes;– Yearly, Half-Yearly, Quarterly, Monthly (only through ECS)
  • Policy term;– 15 to 35 years
  • Basic sum assured;– Rs.1,00,000
  • Revival;– Within 2 years
  • Rebate;– 2% for yearly,1%  , half-yearly
  • Loan eligibility;-After 3 years of entry

6. SBI Life Shubh Nivesh

SBI Life Shubh Nivesh Plan ek Endowment Plan  hai jo  Whole Life Coverage  provide karta hai .aur iss single plan ke andar apko saving plan ki bhi facilities milti hai. yadi apko apni life ke liye coverage aur apni life ke liye achii life chahte toh aap yah plan le sakte hai .aur is plan ke andar time to time bonus milta hai . is plan ke andar policyholder ko 2 option milte hai .Endowment Assurance aur Whole Life Endowment Assurance aap dono me se kon sa bhi choose kar sakte hai. apko apni condition ke hisab se plan ko chosse karna chahiye..iss plan ke andar Minimum entry age 18 years hai.aur Maximum entry age 60 years hota hai. aur Maturity  age Minimum 23 aur maximum 65 hai. toh yadi apko ek achaa insurance plan lena hai toh aap yah plan le sakte hai.

Key Features of SBI Life Shubh Nivesh Policy;

  •  Is plan ke andar Whole Life Coverage melti hai.
  • Isme 2 options milte hai.
  1. Endowment Assurance
  2. Whole Life Endowment Assurance
  • Is plan ke andar Deferred Maturity Benefit milta hai isme aap  5, 10, 15 or 20 years post maturity tak le sakte hai.
  • Aur iske andar kuch rebate bhi milta hai.
  •  Iske andar 7 years se 30 years koi bhi plan choose kar sakte hai .

Eligibility Criteria for SBI Life – Shubh Nivesh Plan;

Eligibility Criteria
Age at Entry (Min) 18 years
Age at Entry (Max) Endowment Option Regular Premium Single Premium
58 years 60 years
Endowment with Whole Life option – 50 years
Max age of Maturity 65 years, which increases to 100 years if the Endowment with Whole Life option is taken
 Min Premium Payable Single Premium  Based on the minimum Sum Assured
Regular Premium
Yearly  Rs. 6,000
Half yearly  Rs. 3,000
Quarterly Rs. 1,500
Monthly  Rs. 500
Max Premium Payable There is No maximum Limit on Premium
Min Sum Assured Rs.75,000 (x 1,000/-)
Max Sum Assured No Limit
Mode Available Single Premium / Yearly / Half-yearly / Quarterly / Monthly
Notes: *For monthly mode: 3 monthly premiums to be paid in advance and renewal premium payment is allowed
only through  ECS, Credit Card, Direct Debit and EFT.
Policy Term Minimum
Endowment Option Endowment with Whole life option
7 (RP) / 5 (SP) years 15 (RP) / 15 (SP) years
Maximum
30 years (Endowment Term) Extended Life Cover upto age of 100 years in case of Endowment with Whole Life option
Notes : RP = Regular Premium  ,   SP = Single Premium
Premium Paying Term Single Premium / Regular Premium (Same as policy term)

7. SBI Life Saral Pension

Saral Pension ek traditional pension plan hai. yah kisi bhi person ke liye ek best best plan hai yadi koi person job karta hai. uske liye ek best saving plan hai. aur yah plan insurance ke sath saving option bhi deta hai . isliye yah ek choti si investment ke sath ek best plan hai. aur yah SBI dewara provide kiya jata hai. isliye isme investment ke loss ka bhi der nhi hota hai. iske andar achaa tax benifit bhi diya jata hai.

Features and Benefits:

  • Is plan ke andar guaranteed bonus Offers kiya jata hai.
  • Iske andar income tax act ke sec. 80C ke acording tax me chut milti hai.
  • Aur is plan ke andare policyholder ki death hone par nominee ko full payment provide ki jati hai.
  • Iske andar koi bhi policy trem choose kar sakte hai 5 to 75 years tak apki condition ke hisab se
  • Yah insurance aur pension policy dono  facilities provide karta hai.

 8. LIC New Jeevan Nidhi

LIC’s New Jeevan Nidhi Plan ek with pension insurance plan hai jo kisi bhi person ko life cover deta hai. aur fature coverage ke liye ek best insurance plan hai . aur iske andar khas bat yah hai ki iske andar life insurance ke sath ek best saving option bhi milta hai. aur yah ek bhut hi trust wali LIC company ke dewara provide kiya jata hai . aur yah kisi bhi person ke liye life me ek achii coversge ke liye best option hai.

Features and Benefits:

  • Yah ek Traditional insurance policy hai  jo pension benefits dta hai.
  • Yah insurance aur pension policy dono  facilities provide karta hai.
  • Premiums can be paid yearly, half yearly, quarterly or monthly
  • Iske andar koi bhi policytrem 5 se 35  choose kar sakte hai

 Eligibility Conditions and Other Restrictions  

a) Minimum Basic Sum Assured  policies  : Rs.1,00,000 under Regular Premium
Rs.1, 50,000 under Single Premium policies
b)  Maximum Basic Sum Assured : No Limit
(The Sum Assured shall be in multiples of Rs.5000/-)
c) Minimum Entry Age : 20 years (nearest Birthday)
d) Maximum Entry Age : 60 years (nearest birthday)
e)  Policy Term : 5 to 35 years
g) Maximum Vesting Age : 65 years (nearest Birthday)

9. ICICI Prudential Wealth Builder II

ICICI Prudential Wealth Builder II bhi life coverage ke sath ek best insurance plan hai. yah plan  ke sath  particpating nhi hai isliye iske andar risk bilkul bhi na hai. aur yah plan bhi insurance ke sath ek saving option provide karta hai jo kisi bhi person ki family ke liye bhut achaa hai . kyoki bhut se log insurance ke sath ek achaa sa saving optipon mangte hai . is plan ke andar dono facilities perovide ki jati hai. aur kisi bhi family ke financial protaction ke liye bhut hii perfact plan hai.

Features and Benefits:

  •  Iske andar Multiple fund options hota hai aur koi bhi fund choose kar sakte .
  • Single premium payment policy
  • Iske andar income tax act ke sec. 80C ke under tax me chut milti hai.

10. Bajaj Allianz Cash Secure

Bajaj Allianz Cash Assure Plan ek traditional money back plan hai jo life protection and savings dono facilities deta hai. aur is plan ke andar regular money back ka option milta hai. yani ki apko jarut padne par aap ek intervel ke uper iske andar se paise nikal sakte hai .aur iske andar higher rate of return milta hai. aur female policyholder Special rates milta hai. aur is plan ke under 5 riders available hote hai. aur  Shorter premium payment term milti hai. toh yadi insurance ke sath ek achaa saving option dekh rahe hai toh aap yah plan le sakte hai .

Features and benefits:

  •  Isme Money backs ka option regular intervals pe hota hai.
  • Guaranteed Money Back of up to 150% of the Sum Assured
  • Choice of 4 policy terms, 16, 20, 24 and 28 years
  • female policyholder ke liye Special rates hote hai.

Eligibility Conditions for Bajaj Allianz Cash Assure:

Minimum Entry Age 0 years
Maximum Entry Age 54 years (as on last birthday)
Minimum Age at Maturity 18 years (as on last birthday)
Maximum Age at Maturity 70 years (as on last birthday)

Policy Terms for Bajaj Allianz Cash Assure:

Policy Term 16, 20, 24 and 28 years
Minimum Sum Assured Rs 1,00,000
Maximum Sum Assured Subject to underwriting

Premium payments offered by Bajaj Allianz Cash Assure::

Terms for Premium Payments Monthly, Quarterly, Half-Yearly and Yearly
Payment Frequency Rs 1,00,000

Hme Umeed Hai Ki Hmare Devara Btai Gyi Life insurance Ke Bare Me Jankari Apke Kaam Ayegi .Or Yadi Jankari Achi Lge To Share Kare Or Yadi Kuch Puchna Ho To Comment Kare.

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