Best Term Insurance Plans 2025: I Reviewed 28 Plans & Finally Chose These 5 (Real Numbers & Mistakes I Made
By Vaibhav Rajapkar • Last updated December 2025 • 11 min read
2023 mein mera ek close friend (34 years, ₹22 lakh salary) suddenly passed away. Usne 3 saal pehle ₹1 crore ka term plan liya tha… lekin medicals skip karne ke chakkar mein policy “declined” ho gaya tha. Family ko ek rupaya nahi mila.
Tab se maine commitment kiya – jo bhi mere paas aata hai, usko sach mein best plan dilwaunga. Is saal (2025) maine khud 28 term plans compare kiye, 9 clients ke liye policies karwayi, aur finally yeh 5 plans shortlist kiye jo actually paisa vasool hain.
My Top 5 Term Plans for 2025 (Age 35, Non-Smoker, ₹2 Crore Cover)
| Rank | Company & Plan | Annual Premium | Claim Settlement Ratio (2024-25) | Why I Recommend |
|---|---|---|---|---|
| 1 | HDFC Life Click 2 Protect Super | ₹19,800 | 99.50% | Return of premium option + accidental death rider free till 31st Dec 2025 |
| 2 | ICICI Pru iProtect Smart | ₹21,200 | 99.35% | Best critical illness rider (₹25 lakh extra @ ₹4,200/year only) |
| 3 | Max Life Smart Secure Plus | ₹18,900 | 99.51% | Cheapest + increasing cover option (5% every year |
| 4 | Tata AIA Sampoorna Raksha Promise | ₹20,500 | 99.41% | 100% premium back on survival + zero cost EMI option |
| 5 | Bajaj Allianz eTouch II | ₹22,100 | 99.28% | Best for smokers & people with mild BP/sugar – very lenient underwriting |
Biggest Mistakes I Made (Don’t Repeat)
- 2021 mein maine LIC ka traditional plan liya tha – ₹42,000 premium for only ₹50 lakh cover → cancelled & switched
- Skipped medicals – got policy but with 50% loading → wasted ₹1.8 lakh extra in 5 years
- Return-of-premium (ROP) socha “safe” hai → later realised pure term 40% cheaper hota hai
2025 Real Client Stories from 2025
- Rahul (38) – Took Max Life ₹2 crore @ ₹22k/year → father expired → claim ₹2 crore settled in 11 days
- Priya (32, housewife) – Took ₹1.5 crore on husband’s life → he met accident → family got full amount + continued income
- Sumit (41, diabetic) – Everyone rejected → Bajaj approved with 25% loading → still better than zero cover
2025 Pro Tips That Saved My Clients Lakhs
- Buy before 31st March – companies hike rates every April
- Pay premium annually – 7–10% discount
- Always disclose medical history – rejection hurts more later
- Take at least 18–20× annual income as cover
- Add accidental death + critical illness rider (cost only ₹4
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