Visit the Bestipeak website to explore the top insurance plans for this year. This will help you understand the different types of insurance products available and guide you in selecting the best policy tailored to your individual needs.
A life insurance contract is an agreement between a policyholder and an insurer, where the insurer pledges to pay a specified sum to a beneficiary upon the death of the insured individual or after a predetermined period, in exchange for regular premium payments made by the policyholder.
Top 10 Life Insurance Policies
Below is a list of the top 10 life insurance policies provided by some of the leading insurance companies in India:
| Name of the Insurance Plan | Type of Plan |
| Aditya Birla Sun Life Insurance | Term |
| SBI Life eShield | Term |
| HDFC Life Click 2 Protect Plus | Term |
| Aviva i-Life | Term |
| Future Generali Care Plus | Rural |
| Birla Sun Life BSLI Protect@Ease Plan | Term |
| LIC’s Jeevan Pragati Plan | Endowment |
| Max Life Online Term Plan Plus Basic Life Cover | Term |
| Bharti Axa Life Elite Secure | Term |
| PNB MetLife Mera Term Plan | Term |
1. Aditya Birla Sun Life Insurance
A trusted name, offering a diverse range of products with over two million policyholders.
Key Features:
- Minimum age: 18 years
- Maximum age: 65 years
- Term period: 5 to 30 years
- Sum assured: Rs. 30,00,000 (no upper limit)
- Premium mode: Monthly, quarterly, half-yearly, annually
2. SBI Life eShield
A popular pure-term plan available online, offering flexible cover options like Level Cover, Accidental Benefit, and more.
Key Features:
- Entry age: 18–65 years
- Sum assured: Rs. 20,00,000 (no limit)
- Policy term: 5+ years
- Minimum premium: Rs. 3,500
3. HDFC Life Click 2 Protect Plus
A flexible term plan offering extra benefits like Accidental Death Benefit and Income Options.
Key Features:
- Entry age: 18–65 years
- Sum assured: Rs. 25 lakhs+
- Policy term: 10–40 years
- Premium mode: Yearly, half-yearly, quarterly, monthly
4. Aviva i-Life
A simple and affordable online term plan with no agent involvement.
Key Features:
- Entry age: 18–55 years
- Policy term: 10 to 35 years
- Premium payment: Yearly or half-yearly
- Tax benefits: Under Section 80C
5. Future Generali Care Plus
A customizable pure-term plan available in two options—Classic and Premier—designed for various financial needs.
Key Features:
- Entry age: 18–60 years
- Sum assured: Rs. 10,00,000 to Rs. 24,99,999 (Classic), Rs. 25,00,000+ (Premier)
- Policy term: 5–30 years
- Minimum premium: Rs. 2,500/year
6. Birla Sun Life BSLI Protect@Ease Plan
A simple online term insurance plan for hassle-free protection with customizable options.
Key Features:
- Entry age: 18–65 years
- Sum assured: Rs. 30,00,000+
- Policy term: 5–40 years
- Premium mode: Yearly, monthly
7. LIC’s Jeevan Pragati Plan
An endowment policy offering increasing death benefits every five years.
Key Features:
- Entry age: 12–45 years
- Sum assured: Rs. 1,50,000+
- Policy term: 12 to 20 years
- Premium payment modes: Yearly, half-yearly, quarterly, monthly
8. Max Life Online Term Plan Plus
A pure-term insurance plan offering significant coverage at affordable premiums.
Key Features:
- Entry age: 18–60 years
- Sum assured: Rs. 25 lakhs–100 crores
- Policy term: 10–40 years
- Premium mode: Yearly, half-yearly, quarterly, monthly
9. Bharti AXA Life Elite Secure
A term plan offering financial stability and guaranteed payouts in case of death or maturity.
Key Features:
- Entry age: 18–75 years
- Sum assured: Rs. 25,00,000+
- Policy term: 5–25 years
- Premium mode: Yearly, half-yearly, quarterly, monthly
10. PNB MetLife Mera Term Plan
An affordable term plan with extensive coverage and access to over 8,000 locations.
Key Features:
- Entry age: 18–65 years
- Sum assured: Rs. 10,00,000+
- Policy term: 10–40 years
- Premium payment term: Same as policy term
Conclusion
Life insurance offers peace of mind, protecting your family’s financial future. Whether you’re looking for term plans, endowment policies, or customizable options, the top life insurance plans in India for 2025 provide flexible and affordable choices. Compare plans, assess your needs, and secure your future today!
