Term Life Insurance · head to head

Signature 3D Term Plan vs eTouch II

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Aviva Life

Signature 3D Term Plan

Sample premium ₹11,371 a year*

Bajaj Life

Quick verdict

eTouch II is better for insurer's claim payout record.
Signature 3D 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

Show only differences (12)

Spec

Signature 3D Term Plan

eTouch II

Eligibility

Minimum entry age

18 years

Maximum entry age

65 years

Maximum maturity age

99 years

Policy term

Regular Premium: 10 to 62 years; Limited Premium: 15 to 62 years; Whole Life with Limited Premium (3D - Pure Term): 34 to 81 years; 3D - TROP Regular: 15 to 62 years

Cover up to age 99: 99 minus Age at Entry; otherwise minimum 10 years, maximum 85 minus Age at Entry; Life Shield ROP: 10 to 50 years

Minimum sum assured

₹5,00,000

₹50,00,000

Maximum sum assured

No Limit subject to Board Approved Underwriting Policy (POSP: Rs 25 Lakh)

No limit, subject to Board Approved Underwriting Policy

Plan

Plan options

3D - Pure Term, 3D - Accelerated, 3D - Family Plus, 3D - TROP

Life Shield, Life Shield Plus, Life Shield ROP

Premium payment

Regular Premium (10 to 62 years); Limited Premium 10, 15, 20, 25, 30 years (TROP: 15, 20, 25, 30); Whole Life with Limited Premium: minimum (70 minus Entry Age, 30 years), 10, 15 (5 years only for entry age 65)

Regular (equal to policy term) or Limited Premium: 5 Pay, 6 Pay, 10 Pay, 12 Pay, 15 Pay, 20 Pay and Pay till Age 60 (cover to age 99: Limited Premium only); Yearly, Half yearly, Quarterly and Monthly

Return of premium option

Yes

Death benefit payout

Lumpsum (3D - Pure Term, Accelerated, TROP); Lumpsum plus Regular Monthly Payouts for 10 years (3D - Family Plus)

One-time lump sum; partly lump sum and partly monthly income for 5/10/20/30/40 years; monthly income for 5/10/20/30/40 years (POS: lump sum only)

Riders

Aviva Accidental Casualty Non-Linked Rider (UIN: 122B035V01), Aviva New Critical Illness Non-Linked Rider (UIN: 122B036V02), Aviva Cancer Cardio Non-Linked Rider (UIN: 122B037V02)

Bajaj Life Family Protect Rider (UIN 116B056V01), Bajaj Life New Critical Illness Benefit Rider (UIN 116B058V01), Bajaj Life Accidental Death Benefit Rider II (UIN 116B063V01), Bajaj Life Accidental Permanent Total/Partial Disability Benefit Rider II (UIN 116B064V01), Bajaj Life Care Plus Rider Non-Linked (UIN 116B062V01)

Terminal illness benefit

Yes

Waiver of premium

Waiver of Premiums in case of Critical / Terminal Illness: applicable with Aviva New Critical Illness Rider and 3D - Accelerated option

WOP on ATPD/TI (Waiver of Premium on Accidental Total Permanent Disability / Terminal Illness); not applicable for POS-sourced policies

Premium

Sample annual premium

₹11,371

₹24,359

Sample premium is for

Male, age 30, 3D - Pure Term option, Sum Assured Rs 1 Cr, Policy Term 30 years, annual premium rate. Smoker status, premium payment term and tax treatment not stated.

Brochure illustration: Ravi, 35-year-old (male) doctor, Life Shield variant, Sum Assured Rs 1 crore, 100% lump sum payout, policy term and premium payment term 50 years (cover to age 85), annual: Rs 24,359 per annum (excluding GST/any other tax as applicable). Smoker status not stated. NOTE: age 35 and 50-year term; no age-30/30-year figure.

Insurer

Death claims settled (insurer)

99.07%

99.29%

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

122N148V02

116N198V10

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

Signature 3D Term Plan

Pro: Return-of-premium option available

eTouch II

Pro: Return-of-premium option available