Top 10 Life Insurance Plans in 2025 You Must Know Before It’s Too Late bgm457 BGM457

1. LIC Tech Term Plan – Trust of Millions

LIC continues to dominate the market with its Tech Term Plan, a pure term insurance policy available online. You can get a coverage of ₹1 crore with premiums starting as low as ₹400/month. It includes options like accidental death benefit, smoker/non-smoker premium categories, and return of premium add-ons.

2. HDFC Click 2 Protect Life – Flexible & Smart

HDFC Life offers this robust term plan with features like Life Protect, Life & CI Rebalance, and Income Plus options. It includes critical illness coverage and income payout benefits. The plan is fully customizable with flexible premium payment terms. Targeting keywords like “best term insurance 2025” or “HDFC Life policy benefits.

3. ICICI Pru iProtect Smart – Covers 34 Illnesses

This plan offers 360-degree protection with term coverage, terminal illness, critical illness (34 types), and accidental death benefits. It also offers the option to get monthly income for the family instead of a lump sum. The average for ICICI insurance-related searches is high due to the competitive nature of financial advertisers.

4. Max Life Smart Secure Plus – Value for Money

With enhanced COVID-19 coverage and terminal illness benefits, this plan is ideal for working professionals and families. Max Life also offers premium return options if you survive the policy term, making it an attractive option for users who want life cover plus money back. “Term plan with return of premium

5. Tata AIA Sampoorna Raksha Supreme – Smart Choice for Families

Tata AIA’s term insurance offers large life cover, income benefits, and accidental disability riders. The reputation of Tata group adds trust, and their hybrid policies also include investment-linked variants. Target “Tata AIA policy review” and “best family insurance India

6. Aditya Birla DigiShield Plan – 10+ Options to Choose From

This digital-first term policy gives 10 different plan options such as increasing cover, whole-life protection up to age 100, spouse coverage, and monthly income payout. It’s popular among tech-savvy users. Keywords like “online term insurance 2025” and “insurance with increasing cover

7. SBI Life eShield Next – Ideal for Government Employees & Salaried Users

This non-linked, non-participating term plan from SBI Life provides increased life cover as your responsibilities grow. It comes with automatic sum assured boost at key life stages. Keywords like “SBI term plan online” or “life insurance for government employees

8. Kotak e-Term Plan – Affordable & Effective

Kotak’s plan offers high coverage with flexible payout options and low premiums. You can also choose from 3 plan options: Life, Life Plus, and Life Secure. It provides terminal illness benefit and is one of the cheapest plans for ₹1 crore sum assured. “Best cheap term plan 2025” and “Kotak life insurance online

9. PNB MetLife Mera Term Plan Plus – Complete Financial Security

This plan includes life cover, return of premium, joint life cover (spouse), child education benefit, and health riders. It’s a comprehensive package under one premium. The keyword “child education insurance policy” is highly targeted by financial advertisers in India and abroad

10. Aegon Life iTerm Prime – Fully Online, Instant Approval

Aegon Life offers a digital-only term plan with hassle-free application and instant approval features. It’s ideal for Gen Z and young professionals buying their first insurance policy. Keywords like “instant life insurance online” and “digital term plan”