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Term Life Insurance · head to head

Super Term Plan vs RockSolid Term Insurance

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Quick verdict

  • RockSolid Term Insurance is better for insurer's claim payout record.
  • Super Term Plan is better for low minimum cover.

Computed from stored specifications, the published term life insurance scoring rules and recorded prices. Not an opinion.

Specifications side by side

Spec
Super Term Plan
RockSolid Term Insurance
Eligibility
Minimum entry age
18 years
18 years
Maximum entry age
65 years
65 years
Maximum maturity age
85 years
85 years
Policy term
Regular Pay: 10 to 55 years; Limited Pay: PPT + 5 years to 55 years
10 to 30 Years and Up to Age 65, 70, 75, 80, 85
Minimum sum assured
₹25,00,000
₹50,00,000
Maximum sum assured
No Limit (subject to Board Approved Underwriting Policy)
Subject to Board Approved Underwriting Policy
Plan
Plan options
Level Cover, Increasing Cover, Level Cover with Return of Premium
—
Premium payment
Limited Pay (Plan Option 1 & 2: 5, 7, 10, 12, 15, 20 years and To age 60; Plan Option 3: 5, 10 & 15 years), Regular Pay; Annual / Semi-Annual / Quarterly / Monthly
Regular Pay (equal to policy term); Limited Pay 5, 10, 15, To Age 60; Single Pay; Annual, Semi-Annual, Monthly
Return of premium option
Yes
No
Death benefit payout
Lumpsum; Monthly Income for 10/15/20 years; Partly as Lumpsum and Partly as Monthly Income for 10/15/20 years
Lump Sum Payout; Monthly Income over 5 or 10 years; Lump sum plus Monthly Income (lump sum 10% to 90% in multiples of 10%)
Riders
ABSLI Accidental Death and Disability Rider (UIN: 109B018V03), ABSLI Critical Illness Rider (UIN: 109B019V03), ABSLI Surgical Care Rider (UIN: 109B015V03), ABSLI Hospital Care Rider (UIN: 109B016V03), ABSLI Accidental Death Benefit Rider Plus (UIN: 109B023V02), ABSLI Waiver of Premium (UIN: 109B017V03)
Pramerica Life Accidental Death Benefit Rider (UIN: 140B029V01), Pramerica Life Accidental Total and Permanent Disability Rider (UIN: 140B027V01), Pramerica Life Critical Illness Rider (UIN: 140B026V01), Pramerica Life Waiver of Premium Rider (UIN: 140B028V01)
Terminal illness benefit
Yes
—
Waiver of premium
Inbuilt Waiver of Premium on Accidental Total and Permanent Disability (life insured aged up to 70); brochure variant table also shows 'WOP on TI & ATPD' for all three options; ABSLI Waiver of Premium rider (CI or disability) optional
Via Pramerica Life Waiver of Premium Rider (optional)
Premium
Sample annual premium
₹19,400
₹24,315
Sample premium is for
Male, standard life, non-smoker, age 30, Sum Assured Rs 1,00,00,000, cover till age 85 (55-year term, not the 30-year profile), Regular Pay, annual frequency, Level Cover option, death benefit lumpsum; premium excluding taxes and first-year discount, if any. Brochure gives no 30-year-term figure.
Non-smoker, age 35 (named 'Manish'; gender not explicitly stated), Sum Assured Rs 1 Crore, policy term up to age 75 (40 years), premium paid annually for the entire policy term (regular pay). Tax treatment not stated. Only base-cover premium figure in brochure.
Insurer
Death claims settled (insurer)
98.65%
99.18%
Claims figures for
FY 2024-25: individual death claims paid out of claims decided and pending, by number, computed from IRDAI Handbook on Indian Insurance Statistics (Table 15)
FY 2024-25: individual death claims paid out of claims decided and pending, by number, computed from IRDAI Handbook on Indian Insurance Statistics (Table 15)
IRDAI UIN
109N153V02
140N079V01

A tick marks the better value where the category rules say higher (or lower) is better. Text values are shown without a winner. Ties have no winner.

Pros and cons

Super Term Plan

  • Pro: Return-of-premium option available

RockSolid Term Insurance

No stated figure stands out against similar models on Comparezi, either way.

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