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Term Life Insurance · head to head

Smart Secure Plus Plan vs Click 2 Protect Supreme Plus

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Quick verdict

  • 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
Smart Secure Plus 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
10 to 67 years (Return of Premium variant: up to 50 years; POS: up to 47 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
₹20,00,000
₹10,000
Maximum sum assured
No Limit, subject to limits determined in accordance with the 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
Life Cover, Increasing Life Cover; optional Return of Premium variant, Joint Life, Premium Break, Accident Cover, Voluntary Sum Assured Top-up
Life (Options A, B, C), Life Plus, Life Goal
Premium payment
Single Pay, Regular Pay, 5 Pay, 10 Pay, 12 Pay, 15 Pay, Pay Till 60; Annual, Semi-annual, Quarterly & Monthly modes
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; Part Lumpsum and Part Monthly Income (chosen by nominee at claim)
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
Axis Max Life Waiver of Premium Plus Rider (UIN 104B029V06), Axis Max Life Critical Illness and Disability Rider (UIN 104B033V02)
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
Optional Axis Max Life Waiver of Premium Plus Rider (death, disability & critical illness)
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
₹16,178
₹25,688
Sample premium is for
Prospectus 'Sample Premium Rates': non-smoker male, age 30, coverage till age 70 (40-year term), Life Cover Rs 1 crore, Regular Pay, annual, purchased online: Rs 16,178; 'excluding underwriting extra premium, taxes, cesses, if any'. NOTE: 40-year term (to age 70), not 30 years.
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)
99.7%
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
104N118V13
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

Smart Secure Plus Plan

  • Pro: Insurer paid 99.70% of individual death claims, higher than 88% of the 27 term life insurance plans on Comparezi that state it
  • 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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