Term Life Insurance · head to head

iSecure Plan vs Click 2 Protect Supreme Plus

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Ageas Federal Life

Quick verdict

Click 2 Protect Supreme Plus is better for insurer's claim payout record.
Click 2 Protect Supreme Plus 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

Show only differences (15)

Spec

iSecure Plan

Click 2 Protect Supreme Plus

Eligibility

Minimum entry age

21 years

18 years

Maximum entry age

65 years

84 years

Maximum maturity age

85 years

Policy term

Regular/Single Pay: minimum 10 years; Limited Pay: 7 PPT-12 PT, 10 PPT-15, 15 PPT-20, 20 PPT-25, 25 PPT-30 minimum; maximum lower of (64 years; 85 - Age at Entry)

Minimum 1 month (Single Pay) / 2 years (Regular Pay) / 3 years (Limited Pay) for Life and Life Plus; 5 years (Single Pay) / 7 years (Limited Pay) for Life Goal; maximum 85 years - Age at Entry

Minimum sum assured

₹50,00,000

₹10,000

Maximum sum assured

No limits (subject to Board approved underwriting policy)

For Entry age > 65 years: INR 50,000. For all other cases: There is no maximum limit; acceptance subject to Board Approved Underwriting Policy (BAUP)

Plan

Plan options

Life Cover, Life Cover with Return of Premium

Life (Options A, B, C), Life Plus, Life Goal

Premium payment

Single Pay, Regular Pay, Limited Pay (7, 10, 15, 20 & 25 years); Single Pay, Yearly, Half-Yearly and Monthly

Regular Pay, Single Pay, Limited Pay (2 years to any premium payment term less than the policy term); Life Goal: Single and Limited Pay only; for entry age above 65 only Single Pay

Return of premium option

Yes

Death benefit payout

Lump sum

Lump sum; Death benefit as Instalment Option (5 to 15 years); Parent Secure Option (regular payouts to parent/grandparent nominees, Life option); Parent Protect Care Option (combination of lump sum and regular pay-outs, Life option)

Riders

—

HDFC Life Income Benefit on Accidental Disability Rider - Non Linked (UIN 101B041V01), HDFC Life Health Plus Rider - Non Linked (UIN 101B031V02), HDFC Life LiveWell Rider - Non Linked (UIN 101B033V01)

Terminal illness benefit

—

Yes

Waiver of premium

—

Optional (additional premium): Waiver of Premium on Critical Illness (WOP CI), Waiver of Premium on Total and Permanent Disability (WOP Disability), Waiver of Premium on Husband's Accidental Death; not available with Single Pay

Premium

Sample annual premium

₹14,640

₹25,688

Sample premium is for

Healthy non-smoker male, age 30, Life Cover option, Sum Assured Rs 1 Cr, Policy Term 35 years, Premium Payment Term 25 years (limited pay; not the 30-year regular-pay profile). Tax inclusion not stated. Only sample rate given for age 30.

Brochure example: 35-year-old male (Mr. Bansal), Life Option A, Sum Assured Rs 1,00,00,000, policy term 40 years, regular pay: 'premium of INR 23,119 in the first year and INR 25,688 for remaining years' (first year reflects the 10% first-year discount). Smoker status and GST treatment not stated. NOTE: not the age-30 / 30-year profile; brochure gives no other figure.

Insurer

Death claims settled (insurer)

98.52%

99.68%

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)

IRDAI UIN

135N088V02

101N189V03

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

iSecure Plan

Pro: Return-of-premium option available

Click 2 Protect Supreme Plus

Pro: Can be bought up to age 84, later than 96% of the 29 term life insurance plans on Comparezi that state it
Pro: Insurer paid 99.68% of individual death claims, higher than 85% of the 27 term life insurance plans on Comparezi that state it
Pro: Return-of-premium option available