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

01. Claims Experience  02. Customer Service Experience  03. Product Benefits
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LIC Jeevan Kiran vs SUD Life Protect Shield

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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.

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Compare LIC Jeevan Kiran and SUD Life Protect Shield

Claims Track Record:

LIC Jeevan Kiran

LIC (Life Insurance Corporation of India) maintains a successful track record. They have achieved a commendable rate of settling 97.95% of their claims within 30 days, with fewer complaints. Their claim settlement ratio is 98.52%, and claim amount settlement ratio is 96.02%. The best part is that they offer the advantage of a short claim form. However, it's important to note that Life Insurance Corporation of India does not offer a personal relationship manager for claims, a home pick-up claim service, or toll-free claim support. Furthermore, they do not provide online tracking of claims.

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:

LIC Jeevan Kiran

Life Insurance Corporation of India can be reached through their toll-free number and Twitter. Our research indicates that their Twitter response rate is slow, whereas their toll-free service is quick, compared to other insurers. Therefore, if you or your family have any questions or concerns, you can contact them through their toll-free number for prompt assistance.

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:

LIC Jeevan Kiran

LIC Jeevan Kiran offers various customization options. It offers a life cover up to the duration of 70 years. The premiums are payable either monthly, quarterly, half-yearly, or annually. And, the payout options include a lump sum option and monthly instalment option. However, it doesn’t offer an increasing cover option or limited pay options. LIC Jeevan Kiran provides only 2 riders - Accidental Death Benefit Rider and Waiver of Premium Rider for Accidental Disability. You can include riders in your base policy to enhance its coverage.

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.