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Term Life Insurance · head to head

Signature 3D Term Plan vs Flexi Term Pro

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Quick verdict

  • Signature 3D 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
Signature 3D Term Plan
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
Regular Premium: 10 to 62 years; Limited Premium: 15 to 62 years; Whole Life with Limited Premium (3D - Pure Term): 34 to 81 years; 3D - TROP Regular: 15 to 62 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
₹5,00,000
₹25,00,000
Maximum sum assured
No Limit subject to Board Approved Underwriting Policy (POSP: Rs 25 Lakh)
No Limit, subject to Board Approved Underwriting Policy
Plan
Plan options
3D - Pure Term, 3D - Accelerated, 3D - Family Plus, 3D - TROP
Without Return of Premium - Single Life, Without Return of Premium - Joint Life, With Return of Premium
Premium payment
Regular Premium (10 to 62 years); Limited Premium 10, 15, 20, 25, 30 years (TROP: 15, 20, 25, 30); Whole Life with Limited Premium: minimum (70 minus Entry Age, 30 years), 10, 15 (5 years only for entry age 65)
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
Lumpsum (3D - Pure Term, Accelerated, TROP); Lumpsum plus Regular Monthly Payouts for 10 years (3D - Family Plus)
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
Aviva Accidental Casualty Non-Linked Rider (UIN: 122B035V01), Aviva New Critical Illness Non-Linked Rider (UIN: 122B036V02), Aviva Cancer Cardio Non-Linked Rider (UIN: 122B037V02)
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
Waiver of Premiums in case of Critical / Terminal Illness: applicable with Aviva New Critical Illness Rider and 3D - Accelerated option
Via Bharti AXA Life Premium Waiver Rider: future premiums waived on diagnosis of any of 11 critical illnesses
Premium
Sample annual premium
₹11,371
₹11,300
Sample premium is for
Male, age 30, 3D - Pure Term option, Sum Assured Rs 1 Cr, Policy Term 30 years, annual premium rate. Smoker status, premium payment term and tax treatment not stated.
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)
99.07%
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
122N148V02
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

Signature 3D Term Plan

  • Pro: Return-of-premium option available

Flexi Term Pro

  • Pro: Return-of-premium option available
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