Bajaj Life
eTouch II
Sample premium
₹24,359 a year*
Term Life Insurance · head to head
eTouch II vs Flexi Term Pro
Bharti AXA Life
Flexi Term Pro
Sample premium
₹11,300 a year*
Quick verdict
- Flexi Term Pro 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
eTouch II
Flexi Term Pro
Eligibility
Minimum entry age
18 years
18 years
Maximum entry age
65 years
65 years
Maximum maturity age
99 years
99 years
Policy term
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
Fixed Term 1, 5 to 50 years (multiples of 5) or To Age 60, 65, 70, 75, 80, 85, 99 (varies by variant and premium option)
Minimum sum assured
₹50,00,000
₹25,00,000
Maximum sum assured
No limit, subject to Board Approved Underwriting Policy
No Limit, subject to Board Approved Underwriting Policy
Plan
Plan options
Life Shield, Life Shield Plus, Life Shield ROP
Without Return of Premium - Single Life, Without Return of Premium - Joint Life, With Return of Premium
Premium payment
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
OYT, Single Pay, Regular Pay, Limited Pay (5, 7, 8, 10, 12 years, Pay till Age 60, Pay till Age 70); annual, semi-annual, quarterly & monthly
Return of premium option
Yes
Yes
Death benefit payout
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)
Lumpsum; Monthly Income (1.04% of SA monthly for 10 years); Lumpsum plus Monthly Income (50% lumpsum, 0.93% of SA monthly for 5 years)
Riders
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)
Bharti AXA Life Hospi Cash Rider (130B007V05), Bharti AXA Life Premium Waiver Rider (130B005V05), Bharti AXA Life Non Linked Complete Shield Rider (130B011V02)
Terminal illness benefit
Yes
—
Waiver of premium
WOP on ATPD/TI (Waiver of Premium on Accidental Total Permanent Disability / Terminal Illness); not applicable for POS-sourced policies
Via Bharti AXA Life Premium Waiver Rider: future premiums waived on diagnosis of any of 11 critical illnesses
Premium
Sample annual premium
₹24,359
₹11,300
Sample premium is for
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.
Healthy male, Non Smoker, age 30, PT 30, PPT 30, Sum Assured Rs 1,00,00,000, Single Life Option - Without ROP; excluding taxes.
Insurer
Death claims settled (insurer)
99.29%
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
116N198V10
130N103V03
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
eTouch II
- Pro: Return-of-premium option available
Flexi Term Pro
- Pro: Return-of-premium option available