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Term Life Insurance · head to head

Super Term Plan vs Click 2 Protect Supreme Plus

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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

Spec
Super Term Plan
Click 2 Protect Supreme Plus
Eligibility
Minimum entry age
18 years
18 years
Maximum entry age
65 years
84 years
Maximum maturity age
85 years
85 years
Policy term
Regular Pay: 10 to 55 years; Limited Pay: PPT + 5 years to 55 years
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
₹25,00,000
₹10,000
Maximum sum assured
No Limit (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
Level Cover, Increasing Cover, Level Cover with Return of Premium
Life (Options A, B, C), Life Plus, Life Goal
Premium payment
Limited Pay (Plan Option 1 & 2: 5, 7, 10, 12, 15, 20 years and To age 60; Plan Option 3: 5, 10 & 15 years), Regular Pay; Annual / Semi-Annual / Quarterly / 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
Yes
Death benefit payout
Lumpsum; Monthly Income for 10/15/20 years; Partly as Lumpsum and Partly as Monthly Income for 10/15/20 years
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
ABSLI Accidental Death and Disability Rider (UIN: 109B018V03), ABSLI Critical Illness Rider (UIN: 109B019V03), ABSLI Surgical Care Rider (UIN: 109B015V03), ABSLI Hospital Care Rider (UIN: 109B016V03), ABSLI Accidental Death Benefit Rider Plus (UIN: 109B023V02), ABSLI Waiver of Premium (UIN: 109B017V03)
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
Yes
Waiver of premium
Inbuilt Waiver of Premium on Accidental Total and Permanent Disability (life insured aged up to 70); brochure variant table also shows 'WOP on TI & ATPD' for all three options; ABSLI Waiver of Premium rider (CI or disability) optional
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
₹19,400
₹25,688
Sample premium is for
Male, standard life, non-smoker, age 30, Sum Assured Rs 1,00,00,000, cover till age 85 (55-year term, not the 30-year profile), Regular Pay, annual frequency, Level Cover option, death benefit lumpsum; premium excluding taxes and first-year discount, if any. Brochure gives no 30-year-term figure.
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)
98.65%
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)
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
109N153V02
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

Super Term 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
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