Aviva Life
Signature 3D Term Plan
- 65 years Maximum entry age
- 99 years Maximum maturity age
- 99.07% Death claims settled (insurer)
Sample premium
₹11,371 a year*
Bajaj Life · 116N198V10
Bajaj Life eTouch II
Bajaj Life eTouch II (IRDAI UIN 116N198V10) is a term life insurance plan for people aged 18 to 65 at entry, with cover up to age 99.
Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.
In short
Bajaj Life eTouch II is a term life insurance plan from Bajaj Life. Key specifications: maximum entry age 65 years, maximum maturity age 99 years, death claims settled (insurer) 99.29%. Among term life insurance here it fits best for cover to an older age.
Sample premium
₹24,359 a year*
*For: Brochure illustration: Ravi, 35-year-old (male) doctor, Life Shield variant, Sum Assured Rs 1 crore, 100% lump sum payout, policy term and premium payment term 50 years (cover to age 85), annual: Rs 24,359 per annum (excluding GST/any other tax as applicable). Smoker status not stated. NOTE: age 35 and 50-year term; no age-30/30-year figure.. Your premium will differ.
- Maximum entry age
- 65 years
- Maximum maturity age
- 99 years
- Death claims settled (insurer)
- 99.29%
Pros
- Return-of-premium option available
Who should buy it
- Best for Cover to an older age · What matters most? (pick any) #6 of 29 term life insurance for this
Full specifications
Eligibility
| Minimum entry age | 18 years |
|---|---|
| Maximum entry age | 65 years |
| Maximum maturity age | 99 years |
| Policy term | Cover up to age 99: 99 minus Age at Entry; otherwise minimum 10 years, maximum 85 minus Age at Entry; Life Shield ROP: 10 to 50 years |
| Minimum sum assured | ₹50,00,000 |
| Maximum sum assured | No limit, subject to Board Approved Underwriting Policy |
Plan
| Plan options | Life Shield, Life Shield Plus, Life Shield ROP |
|---|---|
| Premium payment | Regular (equal to policy term) or Limited Premium: 5 Pay, 6 Pay, 10 Pay, 12 Pay, 15 Pay, 20 Pay and Pay till Age 60 (cover to age 99: Limited Premium only); Yearly, Half yearly, Quarterly and Monthly |
| Return of premium option | Yes |
| Death benefit payout | One-time lump sum; partly lump sum and partly monthly income for 5/ |
| Riders | Bajaj Life Family Protect Rider (UIN 116B056V01), Bajaj Life New Critical Illness Benefit Rider (UIN 116B058V01), Bajaj Life Accidental Death Benefit Rider II (UIN 116B063V01), Bajaj Life Accidental Permanent Total/ |
| Terminal illness benefit | Yes |
| Waiver of premium | WOP on ATPD/ |
Premium
| Sample annual premium | ₹24,359 |
|---|---|
| Sample premium is for | Brochure illustration: Ravi, 35-year-old (male) doctor, Life Shield variant, Sum Assured Rs 1 crore, 100% lump sum payout, policy term and premium payment term 50 years (cover to age 85), annual: Rs 24,359 per annum (excluding GST/ |
Insurer
| Death claims settled (insurer) | 99.29% |
|---|---|
| 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) |
| IRDAI UIN | 116N198V10 |
About the eTouch II
Bajaj Life eTouch II (IRDAI UIN 116N198V10) is a term life insurance plan for people aged 18 to 65 at entry, with cover up to age 99. It is one of 29 term life insurance plans on Comparezi, from Bajaj Life.
Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.
Eligibility and cover
- Entry age: 18 to 65 years
- Maximum maturity age: 99 years
- Policy term: Cover up to age 99: 99 minus Age at Entry; otherwise minimum 10 years, maximum 85 minus Age at Entry; Life Shield ROP: 10 to 50 years
- Minimum sum assured: ₹50,00,000
- Maximum sum assured: No limit, subject to Board Approved Underwriting Policy
Plan options
- Options: Life Shield, Life Shield Plus, Life Shield ROP
- Premium payment: Regular (equal to policy term) or Limited Premium: 5 Pay, 6 Pay, 10 Pay, 12 Pay, 15 Pay, 20 Pay and Pay till Age 60 (cover to age 99: Limited Premium only); Yearly, Half yearly, Quarterly and Monthly
- Return of premium: Covered
- Death benefit payout: One-time lump sum; partly lump sum and partly monthly income for 5/10/20/30/40 years; monthly income for 5/10/20/30/40 years (POS: lump sum only)
- Riders: Bajaj Life Family Protect Rider (UIN 116B056V01), Bajaj Life New Critical Illness Benefit Rider (UIN 116B058V01), Bajaj Life Accidental Death Benefit Rider II (UIN 116B063V01), Bajaj Life Accidental Permanent Total/Partial Disability Benefit Rider II (UIN 116B064V01), Bajaj Life Care Plus Rider Non-Linked (UIN 116B062V01)
- Terminal illness benefit: Covered
- Waiver of premium: WOP on ATPD/TI (Waiver of Premium on Accidental Total Permanent Disability / Terminal Illness); not applicable for POS-sourced policies
How it compares on Comparezi
Of the 27 term life insurance plans on Comparezi with a stated maximum maturity age, 5 have a longer one and 5 have the same.
Premium
It depends on your age, cover, city and options. Bajaj Life's own published premium table gives ₹24,359 a year for this profile: Brochure illustration: Ravi, 35-year-old (male) doctor, Life Shield variant, Sum Assured Rs 1 crore, 100% lump sum payout, policy term and premium payment term 50 years (cover to age 85), annual: Rs 24,359 per annum (excluding GST/any other tax as applicable). Smoker status not stated. NOTE: age 35 and 50-year term; no age-30/30-year figure. Your premium will differ; get a quote from the insurer.
About the insurer
Bajaj Life paid 99.29% of individual death claims in FY 2024-25 (by number of claims, computed from IRDAI's published claim counts).
Similar plans from other insurers
- Aviva Life Signature 3D Term Plan (Bajaj Life eTouch II vs Aviva Life Signature 3D Term Plan)
- Bharti AXA Life Flexi Term Pro (Bajaj Life eTouch II vs Bharti AXA Life Flexi Term Pro)
- Canara HSBC Life iSelect Smart360 Term Plan (Bajaj Life eTouch II vs Canara HSBC Life iSelect Smart360 Term Plan)
- IndiaFirst Life Elite Term Plan (Bajaj Life eTouch II vs IndiaFirst Life Elite Term Plan)
Other term life insurance plans from Bajaj Life
Sources
- Insurer document (PDF) (bajajlifeinsurance.com)
- Insurer page (bajajlifeinsurance.com)
- IRDAI publication (irdai.gov.in)
Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.
Alternatives
Alternatives to the eTouch II
Bharti AXA Life
Flexi Term Pro
- 65 years Maximum entry age
- 99 years Maximum maturity age
- 99.18% Death claims settled (insurer)
Sample premium
₹11,300 a year*
Canara HSBC Life
iSelect Smart360 Term Plan
- 65 years Maximum entry age
- 99 years Maximum maturity age
- 99.43% Death claims settled (insurer)
Sample premium
₹13,296 a year*
IndiaFirst Life
Elite Term Plan
- 65 years Maximum entry age
- 99 years Maximum maturity age
- 98.22% Death claims settled (insurer)
Sample premium
₹10,303 a year*
Similar cover
Similar term life insurance plans
Bajaj Life
iSecure II
- 65 years Maximum entry age
- 85 years Maximum maturity age
- 99.29% Death claims settled (insurer)
Sample premium
₹13,451 a year*
Head to head
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Questions
eTouch II FAQs
It depends on your age, cover, city and options. Bajaj Life's own published premium table gives ₹24,359 a year for this profile: Brochure illustration: Ravi, 35-year-old (male) doctor, Life Shield variant, Sum Assured Rs 1 crore, 100% lump sum payout, policy term and premium payment term 50 years (cover to age 85), annual: Rs 24,359 per annum (excluding GST/any other tax as applicable). Smoker status not stated. NOTE: age 35 and 50-year term; no age-30/30-year figure. Your premium will differ; get a quote from the insurer.
116N198V10. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.
From 18 years to 65 years; limits can differ by plan option.
Up to age 99 at most; the limit can differ by plan option.
Yes, as an option or variant; the base cover pays only on death.
99.29% of individual death claims were paid in FY 2024-25, by number of claims, computed from IRDAI's published claim counts. It is an insurer-wide figure, not one for this plan.
Bajaj Life Family Protect Rider (UIN 116B056V01), Bajaj Life New Critical Illness Benefit Rider (UIN 116B058V01), Bajaj Life Accidental Death Benefit Rider II (UIN 116B063V01), Bajaj Life Accidental Permanent Total/Partial Disability Benefit Rider II (UIN 116B064V01), Bajaj Life Care Plus Rider Non-Linked (UIN 116B062V01).
Data sources
- Manufacturer official pages
Last updated
Product details
Disclosure
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