Скачать или смотреть How to Select the Best Term Insurance Plan | Key Metrics to Consider | Ditto Insurance

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When it comes to choosing term insurance, most people focus only on premiums. But what truly matters is whether your insurer will deliver when it counts — during a claim. In this video, we break down the key insurance company performance metrics that often get ignored but can make or break your family’s financial safety net. We’ll walk you through how to choose term insurance using real data — Claim Settlement Ratio (CSR), Amount Settlement Ratio (ASR), Solvency Ratio, complaints per 10,000 claims, claim settlement speed, and more. These aren’t just boring numbers — they directly reflect how dependable a life insurance provider really is.

For example, a high CSR (Claim Settlement Ratio) tells you how many claims the life insurance company has paid in a year. But CSR alone isn’t enough. We also explain how ASR (Amount Settlement Ratio) tells you whether they’re approving big claims or just many small ones to pad their numbers. If you’re buying term life insurance, both metrics are vital to evaluate. We also simplify solvency ratio — a technical term that shows whether your term insurance provider is financially strong enough to survive market shocks and still settle your family’s claim 30 years from now.

Need help interpreting insurer metrics for your own policy? Our advisors can help compare multiple insurers based on your age, income, and family needs. Book a FREE 1:1 call now: https://ditto.sh/bpi5tr

This video also covers important service metrics — like how fast the insurance company settles death claims. IRDAI guidelines mandate claim settlement within 30 days, but not all insurers follow this timeline. We reveal what percentage of claims most companies settle within 30 days and why this one metric could save your family from financial chaos during a crisis. We also explain complaint volumes — how many customers are raising issues per 10,000 claims settled — and how that reflects the insurer’s after-sales service quality.

We also touch on annual claims paid and new business volume, showing which term life insurers are not only large in scale but also consistently paying out large death claims. Combine this with IRDAI disclosures, regulatory warnings (if any), and customer reviews — and you have the full picture. Whether you're comparing term insurance from HDFC, ICICI, Bajaj, Tata AIA, or newer players like Digit — this framework will help you see past the marketing and focus on what really matters.

Don’t get swayed by flashy discounts or lowest premium offers. Term insurance is a 30–40 year promise. You need a company that’s trusted, stable, and reliable across decades — not just the cheapest plan today.

Still not sure which insurer is right for you? We’ve got your back. Book a FREE, no-commitment call with our experts. https://ditto.sh/bpi5tr

This video is packed with all the insights you need to evaluate life insurance companies the right way — using data, performance history, and customer experience. Perfect for anyone confused about how to choose term insurance in India, especially if you're buying a long-term policy to protect your family.

We’ll help you understand what numbers to trust, which ones to question, and how to build a checklist for comparing life insurance companies. Whether you're buying your first policy or upgrading an old one — this guide will give you clarity.

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