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Notes
01. ILM Research Ratings data was last updated in November 2022.
02. All data was sourced from public disclosures (FY 2021-2022), insurer websites, and the IRDAI website.
03. Only features that are currently available for purchase online were considered when calculating the Beshak Ratings.
04. In the Premium Ratings, we do not display premium amounts — instead, we show the product's relative pricing compared to the median.
05. Premium Ratings are calculated for the following profile: 30-year-old, non-smoker, married male, for a sum assured of INR 1 Crore, up to the age of 65 years, paying annual premiums, till the end of the policy.
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Frequently Asked Questions
Term insurance is the cheapest, simplest way to protect your family financially in case of your unfortunate demise. Pay attention to the cover amount, the policy tenure, the claim settlement track record of the insurer, riders (like critical illness or accidental death), and any premium loading for lifestyle or occupation. Disclose all relevant information honestly; non-disclosure can lead to claim rejection.
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