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Term Life Insurance · head to head

Super Term Plan vs Yuva Term (Plan 875)

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Quick verdict

  • Super Term Plan is better for insurer's claim payout record.
  • Super Term Plan is better for cover to an older age.
  • Super 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

Spec
Super Term Plan
Yuva Term (Plan 875)
Eligibility
Minimum entry age
18 years
18 years
Maximum entry age
65 years
45 years
Maximum maturity age
85 years
75 years
Policy term
Regular Pay: 10 to 55 years; Limited Pay: PPT + 5 years to 55 years
Minimum 15 years (Regular/Single/Limited Premium of 10 years) or 20 years (Limited Premium of 15 years); maximum 40 years under Level Sum Assured, subject to maximum age at maturity 75; under Increasing Sum Assured the maximum depends on age and Basic Sum Assured band
Minimum sum assured
₹25,00,000
₹50,00,000
Maximum sum assured
No Limit (subject to Board Approved Underwriting Policy)
Rs 5,00,00,000* (above Rs 5 crore considered case to case as per Board Approved Underwriting Policy and reinsurer decision)
Plan
Plan options
Level Cover, Increasing Cover, Level Cover with Return of Premium
Option I: Level Sum Assured, Option II: Increasing Sum Assured
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, Limited Premium of 10 years, Limited Premium of 15 years, Single Premium; Yearly or Half Yearly modes
Return of premium option
Yes
No
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, or Death Benefit in instalments over 5, 10 or 15 years (yearly/half-yearly/quarterly/monthly)
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)
—
Terminal illness benefit
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
—
Premium
Sample annual premium
₹19,400
₹5,950
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.
Option I (Level Sum Assured), Basic Sum Assured Rs 50 lakh, Non-Smoker, Male, Standard life, age 30 (last birthday), policy term 20 years, Regular annual premium; 'The above premiums are exclusive of taxes.' NOTE: Rs 50 lakh SA and 20-year term; the brochure gives no Rs 1 crore / 30-year figure.
Insurer
Death claims settled (insurer)
98.65%
97.59%
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
512N355V02

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

Yuva Term (Plan 875)

  • Con: Cover ends earlier than 85% of the 27 term life insurance plans on Comparezi that state it (age 75)
  • Con: Lower maximum entry age than 93% of the 29 term life insurance plans on Comparezi that state it (age 45)
  • Con: Insurer paid a lower share of individual death claims than 88% of the 27 term life insurance plans on Comparezi that state it (97.59%)
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