search icon
linner
yellow-star

Beshak  gradient-star  Rating - Insurance Ratings based on stuff that matters to you!

01. Claims Experience  02. Customer Service Experience  03. Product Benefits
View All Plans

Compare Term Insurance

Aegon Life iTerm Comfort vs India First Life Guaranteed Protection Plus

View detail comparison

Comparisons is old school. Get personalized recommendations in a report

Select your gender

check-white
Male
check-white
Female

What's your Age?

What's your Pincode?

Aegon Life iTerm Comfort with similar Term Insurances

Aegon Life iTerm Comfort

LIC New Tech Term

Compare

Aegon Life iTerm Comfort

HDFC Life Click 2 Protect Life

Compare

Aegon Life iTerm Comfort

SBI Life eShield Next

Compare

Aegon Life iTerm Comfort

Bajaj Allianz Life Diabetic Term Plan

Compare

Aegon Life iTerm Comfort

SUD Life Protect Shield Plus

Compare

Aegon Life iTerm Comfort

PNB Metlife Mera Term Plan Plus

Compare

Aegon Life iTerm Comfort

Edelweiss Tokio Zindagi Protect

Compare

Aegon Life iTerm Comfort

Max Life Smart Secure Plus

Compare

Aegon Life iTerm Comfort

TATA AIA Sampoorna Raksha Supreme

Compare

Aegon Life iTerm Comfort

TATA AIA Maha Raksha Supreme

Compare

Aegon Life iTerm Comfort

Aegon Life iTerm Prime

Compare

Aegon Life iTerm Comfort

PNB MetLife Aajeevan Suraksha Plan

Compare

Aegon Life iTerm Comfort

Aditya Birla Sun Life DigiShield

Compare

Aegon Life iTerm Comfort

Canara HSBC iSelect Smart360

Compare

Aegon Life iTerm Comfort

Canara HSBC Young Term Plan

Compare

Aegon Life iTerm Comfort

Bajaj Allianz Life eTouch

Compare

Aegon Life iTerm Comfort

SUD Life Protect Shield

Compare

Aegon Life iTerm Comfort

ICICI Pru iProtect Smart

Compare

Aegon Life iTerm Comfort

LIC Jeevan Kiran

Compare

Aegon Life iTerm Comfort

Kotak Life e-Term

Compare

Aegon Life iTerm Comfort

HDFC Life Click 2 Protect Super

Compare

Aegon Life iTerm Comfort

Bajaj Allianz Life Smart Protection Goal

Compare

India First Life Guaranteed Protection Plus with similar Term Insurances

India First Life Guaranteed Protection Plus

LIC New Tech Term

Compare

India First Life Guaranteed Protection Plus

HDFC Life Click 2 Protect Life

Compare

India First Life Guaranteed Protection Plus

SBI Life eShield Next

Compare

India First Life Guaranteed Protection Plus

Bajaj Allianz Life Diabetic Term Plan

Compare

India First Life Guaranteed Protection Plus

SUD Life Protect Shield Plus

Compare

India First Life Guaranteed Protection Plus

PNB Metlife Mera Term Plan Plus

Compare

India First Life Guaranteed Protection Plus

Edelweiss Tokio Zindagi Protect

Compare

India First Life Guaranteed Protection Plus

Max Life Smart Secure Plus

Compare

India First Life Guaranteed Protection Plus

TATA AIA Sampoorna Raksha Supreme

Compare

India First Life Guaranteed Protection Plus

TATA AIA Maha Raksha Supreme

Compare

India First Life Guaranteed Protection Plus

Aegon Life iTerm Prime

Compare

India First Life Guaranteed Protection Plus

PNB MetLife Aajeevan Suraksha Plan

Compare

India First Life Guaranteed Protection Plus

Aditya Birla Sun Life DigiShield

Compare

India First Life Guaranteed Protection Plus

Canara HSBC iSelect Smart360

Compare

India First Life Guaranteed Protection Plus

Canara HSBC Young Term Plan

Compare

India First Life Guaranteed Protection Plus

Bajaj Allianz Life eTouch

Compare

India First Life Guaranteed Protection Plus

SUD Life Protect Shield

Compare

India First Life Guaranteed Protection Plus

ICICI Pru iProtect Smart

Compare

India First Life Guaranteed Protection Plus

LIC Jeevan Kiran

Compare

India First Life Guaranteed Protection Plus

Kotak Life e-Term

Compare

India First Life Guaranteed Protection Plus

HDFC Life Click 2 Protect Super

Compare

India First Life Guaranteed Protection Plus

Bajaj Allianz Life Smart Protection Goal

Compare
Notes

1- Beshak Ratings data was last updated in September 2023.

2- All data was sourced from public disclosures (FY 2023-2024, Q1 and FY 2022-23, Q4), insurer websites, and the IRDAI website. Except Claim Amount Settlement Ratio, for which the data was taken from the IRDAI Annual Report 2021-22.

3- Only features that are currently available for purchase online were considered when calculating the Beshak Ratings.

4- In the Premium Ratings, we do not display premium amounts - instead, we show the product's relative pricing compared to the median.

5- Premium for all plans is 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. Except for these plans:

  ・Bajaj Allianz Life Diabetic Term Plan Sub 8 HbA1c - Premium is calculated for a 30-year-old, non-smoker, married male, having Type 2 diabetes, with HbA1c level between 6.5 to 7, for a sum assured of INR 1 Crore, up to the age of 55 years, paying annual premiums for 25 years. 

  ・IndiaFirstLife Guaranteed Protection Plus Plan - Premium is calculated for a 30-year-old, non-smoker, married male, for a sum assured of INR 1 Crore, up to the age of 75 years, paying annual premiums for 40 years. 

  ・TATA AIA Maha Raksha Supreme - Premium is calculated for a 30-year-old, non-smoker, married male, for a sum assured of INR 2 Crore, up to the age of 65 years, paying annual premiums, till the end of the policy. 

6- The overall ratings do not include the premium rating. This is because we believe that the affordability of premiums is a personal thing. Something that seems unaffordable or expensive to one person could seem cheap and affordable to another, regardless of their income. We leave it up to our users to decide whether the price they pay seems reasonable for the features they receive.

7- The Response time on Twitter (Beta) was calculated using a sample set of tweets from February to August 2023 - (Analyzed in September 2023).

8- Claims Experience was assessed based on an audit of various processes and facilities offered by the insurers, during claim settlement.

Read More down-arrow-black
Legal Disclaimer

Your use of the website shall be governed by the Terms and Conditions and Privacy Policy of our website.

Compare Aegon Life iTerm Comfort and India First Life Guaranteed Protection Plus

Claims Track Record:

Aegon Life iTerm Comfort

Aegon Life Insurance Company has settled 100% of claims in under 30 days. It has a short claim form and offers online tracking of claims. Furtherm it has a claim settlement ratio of 99.37% and a claim amount settlement ratio of 98.76%. It is important to note, however, that the insurer does not offer home pick-up of claims and dedicated toll-free for claims service. And, customers will not be able to receive the benefit of a personal relationship manager for claims. And, the insurer has also received a higher number of claim-related claims compared to other insurers.

India First Life Guaranteed Protection Plus

India First Life Insurance Company has settled 99.73% of their claims within 30 days but with a higher number of claim-related complaints, compared to other insurers. Their estimated claim settlement ratio is 97.04%, and their estimated claim amount settlement ratio is 91.10%. And, you can track your claim online. However, there are a few limitations. The company does not offer personal relationship managers for claims, home pickup of claims, or toll-free claim support. They also offer a very long form for claims.

Service Experience:

Aegon Life iTerm Comfort

Aegon Life Insurance Company offers customer support via their toll-free number and Twitter. However, during our research, we found that their Twitter response rate was slow and their toll-free service was average, compared to other insurers. You and your family may face difficulties getting prompt assistance from the service team throughout the policy tenure.

India First Life Guaranteed Protection Plus

India First Life Insurance Company can be reached via their toll-free number and Twitter. However, the response rate on the toll-free number is slow and Twitter is average, compared to other insurers. This means your family may not get prompt assistance for your queries.

Product Benefits:

Aegon Life iTerm Comfort

The Aegon Life iTerm Comfort Term Insurance Plan provides a range of options for customization. However, it does not offer the option of increasing your cover. The Aegon Life iTerm Comfort Term Plan offers a life cover of up to the age of 70 years with no Limited Pay options available. You can pay premiums monthly, half-yearly, and yearly. The plan only offers claim payouts as one-time lump sum payment. Additional coverage can be obtained through riders that are available with the Aegon Life iTerm Comfort Term Plan. These riders include a Critical Illness Rider, an Accidental Death Benefit Rider, and a Waiver of Premium Rider for Critical Illness.

India First Life Guaranteed Protection Plus

The India First Life Guaranteed Protection Plus Plan offers a wide range of customization options. However, the plan doesn’t have an increasing cover feature. India First Life Guaranteed Protection Plus Plan offers coverage for up to 99 years, with a variety of rolling limited payment options, ranging from 5 to 40 years. Premiums can be paid monthly or annually. You can choose from multiple claim payout options, including one-time lump sum and lump-sum with monthly income option. The India First Life Guaranteed Protection Plus Plan offers only a Waiver of Premium Rider for Critical Illness and Accidental Disability. A rider is an optional add-on that provides extra protection and peace of mind - so you can be fully prepared for anything life may bring.