Zindagi Protect Plus vs Sampoorna Raksha Promise

Minimum 5 (Regular Pay, Life Cover) / 10 (Regular Pay, ROP) to maximum 100 years - age at entry of Life Insured

Other than PoS (months): Life Promise minimum 13 (Regular pay) / 14 (Limited pay) / 1 (Single pay); Life Promise Plus minimum 120; maximum 984 months (whole of life cover available to age 100)

No Limit, Subject to board approved underwriting policy

No Limit subject to Board approved underwriting policy (BAUP)

Life Cover option, Return of Premium option

Life Promise, Life Promise Plus, Joint Life Promise, Joint Life Promise Plus

Regular Pay (same as policy term); Limited Pay 5/7/10/15/20; Limited Pay 'To Age 60' (60 - entry age); Yearly / Half-yearly / Quarterly / Monthly

Regular Pay (equal to policy term), Limited Pay (maximum PPT = policy term less 1 month), Single Pay; Single/Yearly/Half-Yearly/Quarterly/Monthly modes

Yes

Yes

Lumpsum; Monthly Income; Lumpsum plus Monthly Income

Lump sum, staggered benefit (level or increasing income over a benefit period up to 30 years), or a combination (Dependent Care / Payout Plan chosen at purchase)

Edelweiss Life - Accidental Death Benefit Rider (UIN: 147B002V05), Edelweiss Life - Accidental Total and Permanent Disability Rider (UIN: 147B001V05), Edelweiss Life - Critical Illness Rider (UIN: 147B005V05), Edelweiss Life - Waiver of Premium Rider (UIN: 147B003V06)

Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN 110B033V04), Tata AIA Life Insurance Non-Linked Comprehensive Health Rider (UIN 110B031V04), Tata AIA Vitality Protect (UIN 110B046V04), Tata AIA Vitality Health (UIN 110B045V03)

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Yes

Via Edelweiss Life - Waiver of Premium Rider: waives future premiums on Critical Illness or Total and Permanent Disability due to accident

Inbuilt waiver of premium on terminal illness (after Payor Accelerator Benefit claim)

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Product page footnote 16: 'annual premium for a 30 yr. old male, Standard Life, Non-Smoker for Rs 1 Cr. Sum Assured with Policy Term of 30 yrs. (Regular Pay) under Life Promise Option ... with first year premium discount of 10% for digital purchase and 8.5% for salaried person.' Illustrated profile: salaried professional. GST inclusion not stated. Matches the target profile except that first-year digital and salaried discounts are applied.

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)