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Is Cheapest Term Insurance is Best?

As we have always suggested that term insurance is the best bet for an individual and we have even come to the conclusion that HDFC Standard insurance is the best among the lot and you can see their advertisement in the below screenshot. However remember that cheapest may not always have all the elements associated with it and thus do read the fine print. We came to know that HDFC life insurance do not protect you against accidental death and you may like to ask them specific questions before signing on the dotted line. For a 42 year healthy male the charges for One Crore insurance policy is approx Rs 18700.

Secondly; even Religare Aegon has a similar plan and they have the least premium and it is somewhere around 12000. However when we analysed the insurance companies we found that Religare Aeogon insurance service rejects maximum claims when you go and make a claim. Thus remember that cheapest may not be always the best alternative for you.

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