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
Home arrow Term Life Insurance arrow Best Term Plans arrow PNB MetLife Aajeevan Suraksha Plan vs India First Life Guaranteed Protection Plus

Compare Term Insurance

PNB MetLife Aajeevan Suraksha Plan 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?

PNB MetLife Aajeevan Suraksha Plan with similar Term Insurances

PNB MetLife Aajeevan Suraksha Plan

IndiaFirst Life Elite Term

Compare

PNB MetLife Aajeevan Suraksha Plan

Bandhan Life iTerm Comfort

Compare

PNB MetLife Aajeevan Suraksha Plan

Bajaj Allianz Life iSecure

Compare

PNB MetLife Aajeevan Suraksha Plan

Max Life Smart Secure Plus

Compare

PNB MetLife Aajeevan Suraksha Plan

HDFC Life Click 2 Protect Super

Compare

PNB MetLife Aajeevan Suraksha Plan

HDFC Life Click 2 Protect Life

Compare

PNB MetLife Aajeevan Suraksha Plan

Aditya Birla Sun Life DigiShield

Compare

PNB MetLife Aajeevan Suraksha Plan

Canara HSBC Young Term Plan

Compare

PNB MetLife Aajeevan Suraksha Plan

SUD Life Protect Shield Plus

Compare

PNB MetLife Aajeevan Suraksha Plan

Canara HSBC iSelect Smart360

Compare

PNB MetLife Aajeevan Suraksha Plan

Edelweiss Life Zindagi Protect

Compare

PNB MetLife Aajeevan Suraksha Plan

SUD Life Protect Shield

Compare

PNB MetLife Aajeevan Suraksha Plan

PNB Metlife Mera Term Plan Plus

Compare

PNB MetLife Aajeevan Suraksha Plan

Bandhan Life iTerm Prime

Compare

PNB MetLife Aajeevan Suraksha Plan

Bajaj Allianz Life eTouch

Compare

PNB MetLife Aajeevan Suraksha Plan

Bajaj Allianz Life Diabetic Term Plan

Compare

PNB MetLife Aajeevan Suraksha Plan

Aditya Birla Sun Life Salaried Term Plan

Compare

PNB MetLife Aajeevan Suraksha Plan

TATA AIA Maha Raksha Supreme

Compare

PNB MetLife Aajeevan Suraksha Plan

LIC New Tech Term

Compare

PNB MetLife Aajeevan Suraksha Plan

ICICI Pru iProtect Smart

Compare

PNB MetLife Aajeevan Suraksha Plan

LIC Jeevan Kiran

Compare

PNB MetLife Aajeevan Suraksha Plan

TATA AIA Sampoorna Raksha Supreme

Compare

PNB MetLife Aajeevan Suraksha Plan

HDFC Life Click 2 Protect Elite

Compare

PNB MetLife Aajeevan Suraksha Plan

Kotak Life e-Term

Compare

PNB MetLife Aajeevan Suraksha Plan

SBI Life eShield Next

Compare

PNB MetLife Aajeevan Suraksha Plan

Bajaj Allianz Life Smart Protection Goal

Compare

India First Life Guaranteed Protection Plus with similar Term Insurances

India First Life Guaranteed Protection Plus

IndiaFirst Life Elite Term

Compare

India First Life Guaranteed Protection Plus

Bandhan Life iTerm Comfort

Compare

India First Life Guaranteed Protection Plus

Bajaj Allianz Life iSecure

Compare

India First Life Guaranteed Protection Plus

Max Life Smart Secure Plus

Compare

India First Life Guaranteed Protection Plus

HDFC Life Click 2 Protect Super

Compare

India First Life Guaranteed Protection Plus

HDFC Life Click 2 Protect Life

Compare

India First Life Guaranteed Protection Plus

Aditya Birla Sun Life DigiShield

Compare

India First Life Guaranteed Protection Plus

Canara HSBC Young Term Plan

Compare

India First Life Guaranteed Protection Plus

SUD Life Protect Shield Plus

Compare

India First Life Guaranteed Protection Plus

Canara HSBC iSelect Smart360

Compare

India First Life Guaranteed Protection Plus

Edelweiss Life Zindagi Protect

Compare

India First Life Guaranteed Protection Plus

SUD Life Protect Shield

Compare

India First Life Guaranteed Protection Plus

PNB Metlife Mera Term Plan Plus

Compare

India First Life Guaranteed Protection Plus

Bandhan Life iTerm Prime

Compare

India First Life Guaranteed Protection Plus

Bajaj Allianz Life eTouch

Compare

India First Life Guaranteed Protection Plus

Bajaj Allianz Life Diabetic Term Plan

Compare

India First Life Guaranteed Protection Plus

Aditya Birla Sun Life Salaried Term Plan

Compare

India First Life Guaranteed Protection Plus

TATA AIA Maha Raksha Supreme

Compare

India First Life Guaranteed Protection Plus

LIC New Tech Term

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

TATA AIA Sampoorna Raksha Supreme

Compare

India First Life Guaranteed Protection Plus

HDFC Life Click 2 Protect Elite

Compare

India First Life Guaranteed Protection Plus

Kotak Life e-Term

Compare

India First Life Guaranteed Protection Plus

SBI Life eShield Next

Compare

India First Life Guaranteed Protection Plus

Bajaj Allianz Life Smart Protection Goal

Compare
Notes

1- Beshak Ratings data was last updated in June 2024.

2- All data was sourced from public disclosures (FY 2023-2024, Q4) except LIC (their FY 2023-2024, Q4 data isn't fully updated, so we have considered their FY 2023-2024, Q3 PD data), insurer websites, and the IRDAI website. 

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. 

  ・HDFC Life Click 2 Protect Elite - 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 for 15 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 PNB MetLife Aajeevan Suraksha Plan and India First Life Guaranteed Protection Plus

Claims Track Record:

PNB MetLife Aajeevan Suraksha Plan

PNB Metlife Insurance Company has settled 99.70% of their claims within 30 days. Their claim settlement ratio is 99.06% and their claim amount settlement ratio is 93.35%. They have an online claim tracking system and a dedicated toll-free for claims service. However, they have a few downsides. PNB Metlife Insurance Company does not provide a personal relationship manager or home pick-up service for claims. And, they have a moderately long claim form as well. Also, they have received a higher number of claim-related complaints 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:

PNB MetLife Aajeevan Suraksha Plan

You can contact PNB Metlife Insurance Company via their toll-free telephone number or Twitter. Based on our research, we found that both their Twitter and toll-free number responses were slow, compared to other insurers. So, you and your family may not get timely help in case of queries, concerns, etc.

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:

PNB MetLife Aajeevan Suraksha Plan

PNB Metlife Aajeevan Suraksha Plan offers various customization options. It offers a lifetime cover up to 99 years with various limited payment options - 5, 10 and 15 years. The premium can be paid monthly, quarterly, half-yearly, or annually. You can choose between various claim payout options, including a lump sum option, monthly instalments option, and a combination of both. However, it doesn’t provide an increasing cover feature. The PNB Metlife Aajeevan Suraksha Plan offers 2 riders - Critical Illness Rider and Accidental Death Benefit Rider. These are optional add-ons that you can include in your base policy to widen your coverage.

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.