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If you’re confused about which term insurance plan is right for you, book a FREE call with Ditto’s advisors - https://ditto.sh/38j20k

In 2025, the term insurance market is full of plans that all promise the same basic benefit — financial protection for your family — yet differ significantly in pricing, features, and long-term value. In this video, we compare four of the most popular ₹1 crore term plans in India: ICICI iProtect Smart Plus, Axis Max Life Smart Term Plan Plus, Bajaj Allianz eTouch II, and Tata AIA Sampoorna Raksha Promise. We break down how these term insurance plans stack up for salaried vs self-employed, smokers vs non-smokers, and across different age groups.

Every plan offers core features like terminal illness cover, instant payout on claim intimation, zero-cost exit, and auto cover continuance. But differences start appearing when you look at wellness benefits, life stage increment options, and add-on flexibility. For example, Axis Max Life, Bajaj Allianz, and Tata AIA include health management programs, while ICICI focuses on robust in-built benefits like life stage sum assured increases.

Need help choosing between these ₹1 crore term insurance plans? Our advisors can do a personalised comparison for your exact age, job type, and budget. Book here: https://ditto.sh/38j20k

We’ve also compared actual premiums across eight real-life buyer profiles. Axis Max Life often comes out cheapest for young salaried non-smokers, while Bajaj Allianz leads for older or smoker profiles. Tata AIA SRP stays competitive across the board, and ICICI — while not always the cheapest — offers feature-rich value for those who prioritise comprehensive protection over bare-minimum pricing.

One important thing we discuss: Year 1 discounts. Most insurers reduce your first-year premium by 10–15%, but from Year 2 onwards, the rate jumps — and that’s the real cost you’ll be paying for decades. Always check the second-year premium before deciding on a “cheap” term insurance plan.

We also explain why ₹1 crore term insurance isn’t always enough. Thanks to inflation, a ₹1 crore payout 20 years from now could be worth less than half in today’s terms. We suggest exploring ₹1.5 crore or ₹2 crore term plans, which often cost only 1.5x more than ₹1 crore but give your family a much stronger safety net.

If you’re still unsure which term insurance plan is right for you, we’ll walk you through the pros and cons, help you weigh premium vs benefits, and even factor in long-term affordability. Our guidance is unbiased, backed by Zerodha, and trusted by over 3 lakh Indians. Book your free call here: https://ditto.sh/38j20k

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