Add-on riders for critical illness, accidental death or waiver of premium can turn a term plan into all-round protection. These plans offer the best rider menus.
Our top pick for this is Axis Max Life Smart Secure Plus — Consistently posts one of the highest claim-settlement ratios in India, with a rich set of riders and flexible payout options — a top pick where claim certainty matters most.
| # | Name | Score | Cover up to | Claim Ratio* | Premium*/mo (₹1Cr) | Standout |
|---|---|---|---|---|---|---|
| 2 | Axis Max Life Smart Secure Plus | 9.1/10 | Up to ₹20Cr | ~99.5% | ~₹520 | Highest CSR + riders |
| 3 | ICICI Pru iProtect Smart | 8.8/10 | Up to ₹10Cr+ | ~99% | ~₹580 | Strong critical-illness rider |
| 4 | Tata AIA Sampoorna Raksha Supreme | 8.7/10 | Up to ₹10Cr+ | ~99.4% | ~₹540 | Whole-life option |
| 5 | Bajaj Allianz Smart Protect Goal | 8.4/10 | Up to ₹10Cr | ~99% | ~₹530 | Flexible + return-of-premium |
| 8 | Aditya Birla Sun Life DigiShield | 8.0/10 | Up to ₹10Cr | ~98% | ~₹550 | Many cover options |
Consistently posts one of the highest claim-settlement ratios in India, with a rich set of riders and flexible payout options — a top pick where claim certainty matters most.
A feature-rich plan known for its strong built-in critical-illness cover and flexible payouts — great for buyers who want protection beyond plain life cover.
A flexible plan with a whole-life cover option (up to age 100) and strong riders, backed by a high claim-settlement record — good for long-horizon protection.
A flexible, affordable plan with return-of-premium and multiple cover options — a solid value choice with a dependable insurer.
Offers an unusually wide range of cover and payout configurations plus useful riders — flexible enough to fit varied needs, including non-salaried buyers.
Premiums indicative for a healthy ~30-year-old non-smoker (₹1Cr, 30-year term); claim ratios indicative. Get a personalised quote before buying. Information only, not insurance advice.