Choosing the right life insurance plan is one of the most important financial decisions. It helps protect your family’s future in case something unexpected happens to you. In 2025, many Indians are opting for policies that not only provide life cover but also include savings, critical illness cover, and flexible payout options.
Here are the top 10 most chosen life insurance policies in India for 2025, based on popularity, features, and customer satisfaction.
- LIC Jeevan Anand
This is one of the most trusted plans from LIC. It gives you two benefits – a saving plan during the policy term and a life cover even after the policy ends. You get bonuses, and in case of emergencies, you can also take a loan against it. It’s a great choice for people looking to save money and protect their family at the same time.
- HDFC Life Click 2 Protect Life
This is a pure term plan, meaning it only provides life cover. But what makes it popular is the flexibility. You can choose from different options like covering critical illnesses, accidental death, and future goals. It’s ideal for young professionals and those starting their financial journey.
- ICICI Prudential iProtect Smart
This term insurance plan offers wide coverage at an affordable cost. Apart from basic life cover, it also includes protection against 30+ critical illnesses. You can choose how your family will receive the claim amount—either all at once or in parts. It’s suitable for those who want more than just a death cover.
- Max Life Smart Secure Plus
This plan gives you the option to get your premium back if you survive the policy term. It also covers accidental deaths and provides financial support in case of terminal illnesses. The return of premium option makes it attractive for those who are not comfortable with “use-it-or-lose-it” policies.
- SBI Life eShield Next
This term plan is designed to grow your life cover over time to match inflation. That means your family won’t suffer even if costs go up in the future. It offers extra cover for accidents and illnesses, and it’s cost-effective for non-smokers. It’s a smart option for long-term protection.
- Bajaj Allianz Smart Protect Goal
This policy is loved for its extra benefits. You can add covers for critical illness and disability. It’s a pocket-friendly option with good flexibility in how the claim is paid out. Ideal for those who want a budget policy with maximum protection.
- Kotak Life e-Term Plan
This digital term insurance is easy to buy online and offers flexible options. You can get coverage up to 75 years of age, and add benefits for accidental death. It’s perfect for tech-savvy individuals who prefer managing their insurance online.
- Tata AIA Sampoorna Raksha Supreme
This term plan offers high life cover at competitive prices. You can also include critical illness protection and get discounts if you’re a woman or a non-smoker. The flexible payment terms allow you to pay as per your convenience—monthly, yearly, or in lumpsum.
- Reliance Nippon Life Term Plan
What sets this plan apart is that you can include your spouse in the same policy. It also gives flexible premium options—pay one-time, for a few years, or for the full term. If you’re looking for a joint family cover, this one is a good choice.
- Aditya Birla Sun Life DigiShield
This plan gives coverage up to 100 years of age, which is ideal if you want protection for a lifetime. You also get the option to receive the payout in monthly or yearly installments. Women and non-smokers get special benefits too.
How to Choose the Right Plan
When picking a life insurance policy, don’t just go for the cheapest one. Consider these points:
Sum Assured: Choose a cover that would take care of your family’s expenses, loans, and goals if something happens to you.
Add-on Riders: Look for extra benefits like critical illness or accidental death.
Claim Settlement Ratio: Always go with a company that has a good track record of paying claims quickly.
Premium Affordability: Pick a plan that you can continue paying comfortably for many years.
Company Reputation: A reliable insurance company gives you peace of mind.
Life insurance is not just a product, it’s a promise to your loved ones. Whether you want to secure your family’s future, save taxes, or invest in long-term goals, these top 10 plans offer some of the best solutions in 2025.
