HDFC Life Insurance Company has a good track record when it comes to settling claims. They have successfully settled 99.94% of claims in less than 30 days with fewer complaints, compared to other insurers. The insurer boasts of a claim settlement ratio of 99.39%, with a claim amount settlement ratio of 89.38%. They provide online tracking of claims and a dedicated toll-free claims service. However, they do not offer a personal manager for claims and have a moderately long claim form. Also, they do not provide a home pick-up claim service.

Aegon Life Insurance Company Limited has settled 100% of claims in under 30 days with a higher number of complaints compared to other insurers.  They have a claim settlement ratio of 99.37% and a claim amount settlement ratio of 98.76%. They offer a short claim form and online tracking of claims. The downside is that they do not offer home pick-up of claims and a personal relationship manager for claims.

HDFC Life Insurance Company offers customer service through their toll-free number and Twitter, but our research indicates that their toll-free number has a slow response time and their Twitter handle has an average response time, compared to other insurers. Meaning you or your family may face some difficulties in getting your queries addressed.

Aegon Life Insurance Company Limited offers customer support via their toll-free number and Twitter. As per our research, we found that their Twitter response rate was slow and their toll-free service was average, compared to other insurers. This means that opting for the toll-free number can be a better option if you or your family need help.

The HDFC Life Click 2 Protect Life Plan offers various customization options. However, unlike some other plans, it does not provide the option to choose the increasing cover. The HDFC Life Click 2 Protect Life Plan provides a life cover duration up to age 85, with several limited pay options ranging from 5 to (PT-1) years. You can pay premiums on a monthly, half-yearly, yearly basis. The only claim payout option available with this plan is a one-time lump sum payment. Additionally, the HDFC Life Click 2 Protect Life Plan offers riders such as a Comprehensive Critical Illness Rider, an Accidental Death Benefit Rider, and a Waiver of Premium due to Critical Illness Rider.

The Aegon Life iTerm Prime provides various customisation options. However, it does not offer the increasing cover option. It does offer limited pay options like 10-pay and pay till 60 years. The Aegon Life iTerm Prime offers a life cover of up to the age of 70 years. You can pay premiums monthly, half-yearly, and yearly. It offers the claim payout as a one-time lump sum payment. Aegon Life iTerm Prime offers riders that can help you enhance your coverage These riders include a Critical Illness Rider, an Accidental Death Benefit Rider, and a Waiver of Premium Rider for Critical Illness.