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Kotak Life e-Term vs SUD Life Protect Shield

Comparing :
How we score
beshak-icon star
beshak-icon star
01 Claims Experience
% of claims settled in less than 30 days
Reflects on the speed of settling valid claims
% of Complaints received on overall claims
% customers unhappy with claims experience
How complex is the Claim Form?
The longer, the more hassles during claims
Very Long
Moderately Long
+ Show 8 more
02 Customer Service
Response time on Toll-Free BETA
How long does it take for the caller to connect with an customer service agent over toll-free?
Response time on Twitter BETA
How quickly does a user get a response on complaint Tweets?
% of Complaints received for after-sales service
% customers unhappy with after-sales service
03 product benefits
Increasing Cover
Cover starts increasing from
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How much can the cover increase every year?
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Cover can increase up to
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Claim Payout Customization
Options for claim payout
Options available to customize claim payment to your nominee
One time, One time + instalment options
One time, Instalment, One time + Instalment options
Premium Payment Customizations
Payment modes available to pay the premium
Frequency in which you can pay premium - monthly, yearly installments?
Half Yearly, Yearly
Monthly, Quarterly, Half Yearly, Yearly
Options to pay off premiums before maturity age
Types of Limited pay options available
5, 10 Years, Pay till 60 Years
5, 7, 10, 12, 15 Years
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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.

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Compare Kotak Life e-Term and SUD Life Protect Shield

Claims Track Record:

Kotak Life e-Term

Kotak Life Insurance Company has settled 100% of its claims within 30 days, and there have been fewer complaints regarding its claims compared to other insurers. The claim settlement ratio of Kotak Life Insurance Company is 98.25%, and their claim amount settlement ratio is 95.53%. Also, the insurer offers an online claims tracking system and a dedicated toll-free number for claims assistance. However, they do not provide home pick-up of claims or a personal relationship manager for claims. Their claim form is also quite lengthy.


SUD Life Protect Shield

SUD Life Insurance Company has settled 88.65% of claims within 30 days and has a higher number of claim-related complaints compared to other insurers. Their claim settlement ratio is 96.07%, and the claim amount settlement ratio is 91.41%. They provide online claim tracking and a dedicated toll-free helpline for claims inquiries. On the flipside, they do not offer the services of a personal relationship manager for claims, home pick-up service for claims, and their claim form is moderately lengthy.

Service Experience:

Kotak Life e-Term

Kotak Life Insurance Company offers customer services via their toll-free number and Twitter. Our research found that the response times on Twitter and toll-free services were slow compared to other insurers. This means that you and your family may not receive timely assistance to resolve any issues.

SUD Life Protect Shield

You can contact SUD Life Insurance Company through their toll-free telephone number or Twitter. Our research indicates that the response rate on Twitter is average and the toll-free number is quick, compared to other insurers. Therefore, you and your family can contact their toll-free number for timely assistance.

Product Benefits:

Kotak Life e-Term

The Kotak Life e-Term offers a range of customization options giving you more control over the protection you receive. It offers a cover for up to 85 years with Limited Pay options such as 5, 10, and Pay till 60 years. You can pay premiums half-yearly or yearly. Also, the plan provides both one-time lump sum and one-time lump sum plus monthly installments claim payout options. However, it doesn’t provide an increasing cover option. Kotak Life e-Term also offers riders. Riders available with this plan include a Critical Illness Rider, an Accidental Death Benefit Rider, and a Waiver of Premium Rider for Critical Illness and Accidental Disability. These riders can provide extra financial support in the event of specific circumstances.

SUD Life Protect Shield

SUD Life Protect Shield offers various customization options. It provides coverage up to 70 years of age with a range of limited payment terms, including 5, 7, 10, 12, and 15 years. Premiums can be paid on a monthly, quarterly, half-yearly, or annual basis, providing flexibility in payment frequency. You have the choice of several claim payouts options, such as a lump sum, monthly instalments, or a combination of both. Notably, this policy does not include an increasing cover feature. Speaking about riders, the SUD Life Protect Shield offers a Critical Illness Rider. It is an optional add-on that you can include in your base policy to enhance your coverage.

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