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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
Home arrow Term Life Insurance arrow Best Term Plans arrow PNB Metlife Mera Term Plan Plus vs Aegon Life iTerm Prime

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PNB Metlife Mera Term Plan Plus vs Aegon Life iTerm Prime

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PNB Metlife Mera Term Plan Plus with similar Term Insurances

PNB Metlife Mera Term Plan Plus

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Aegon Life iTerm Prime with similar Term Insurances

Aegon Life iTerm Prime

HDFC Life Click 2 Protect Super

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Aegon Life iTerm Prime

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Aegon Life iTerm Prime

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Aegon Life iTerm Prime

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Aegon Life iTerm Prime

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Aegon Life iTerm Prime

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Aegon Life iTerm Prime

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Aegon Life iTerm Prime

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Aegon Life iTerm Prime

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Aegon Life iTerm Prime

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Aegon Life iTerm Prime

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Aegon Life iTerm Prime

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Aegon Life iTerm Prime

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Aegon Life iTerm Prime

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Aegon Life iTerm Prime

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Aegon Life iTerm Prime

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Aegon Life iTerm Prime

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Aegon Life iTerm Prime

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Aegon Life iTerm Prime

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Aegon Life iTerm Prime

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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 PNB Metlife Mera Term Plan Plus and Aegon Life iTerm Prime

Claims Track Record:

PNB Metlife Mera Term Plan Plus

PNB Metlife Insurance Company has settled 99.70% of their claims within 30 days - with a higher number of complaints. It is estimated that their claim settlement ratio is 99.06% and that their claim amount settlement ratio is 93.35%. They provide an online claim tracking system and a dedicated toll-free for claims service. There are a few drawbacks, however. The 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.


 

Aegon Life iTerm Prime

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.

Service Experience:

PNB Metlife Mera Term Plan Plus

You can reach 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. Therefore, you and your family may have difficulty getting assistance when you need it.

Aegon Life iTerm Prime

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.

Product Benefits:

PNB Metlife Mera Term Plan Plus

PNB Metlife Mera Term Plan Plus offers many customization options. It offers a lifetime cover up to 80 years with various limited payment options - 10, 15, 20, and Pay till 60 years. The premium can be paid monthly, quarterly, half-yearly, or annually. Various claim payout options are available, including a lump sum option, monthly instalments option, and a combination of both. The PNB Metlife Mera Term Plan Plus offers various riders as well, including a Critical Illness Rider, Accidental Death Benefit Rider, and Waiver of Premium Rider (for Critical Illness and Accidental Disability). These are optional add-ons that you can include in your base policy to widen your coverage.


 

Aegon Life iTerm Prime

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.