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Best Term Life Insurance Plans of 2021

18 Plans
DigiShield Plan
Fair
beshak-icon star
4.2/ 5
Claims Experience
4.4
Customer Service
3.3
Product Benefits
5.0
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What is Beshak ⭐️ Rating?
Based on a sophisticated relative scoring methodology designed by our in-house experts. Measures across 100+ relevant metrics from Claims to Service to Product.
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Notes
  1. Beshak Ratings data was last updated in the month of March 2021 and will be updated on a quarterly basis.
  2. All data was sourced from public disclosures (FY 2019-2020), insurer websites and IRDAI website.
  3. Only those features that users can currently buy online were considered for calculating the Beshak Ratings.
  4. We do not display premium amounts - we only show the relative pricing of the product compared to the median in the Premium Ratings.
  5. 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 premiums yearly, till the end of the policy.
  6. Premium is not a part of Beshak Ratings, as we find affordability of premium to be a personal thing. Something that seems unaffordable or expensive to one person, could seem cheap and affordable to someone else, irrespective of their incomes. We leave it to our users to take the final call about whether the price they pay seems fair for the features they get.
  7. The Response time on Twitter (Beta) was calculated based on a sample set of tweets in the months June, August and October 2020 (Analyzed in July, September and November 2020 respectively)
  8. Claims Experience was measured based on an audit of various processes and facilities offered by the insurer, during claim settlement.
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