Reliance Life vs Go Digit Life Insurance

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Reliance Life vs Go Digit Life Insurance

COMPANY DETAILS Edit Reliance Nippon Life Insurance

Reliance Life

 Edit Go Digit Life Insurance Company

Go Digit Life Insurance
Rating
Number of life insurance plans and add-ons
Annual Premiums Collected (2024-25)

Annual Premiums Collected (2024-25)

5710.68 Cr

Annual Premiums Collected (2024-25)

1069.41 crores
Payout Options

Payout Options

Lump sum, regular frequencies or a combination of both

Payout Options

-
Claim ratio

Claim ratio

98.74%

Claim ratio

99.53%%
Solvency Ratio

Solvency Ratio

2.35

Solvency Ratio

3.85
Branches

Branches

713+

Branches

75
Riders Available

Riders Available

Major Surgical Benefit Rider, Critical Condition Rider, Family Income Benefit Rider, Accidental Disability Rider

Riders Available

Go Digit Accidental Death Rider, Go Digit Accidental Disability Rider, Go Digit Critical Illness Rider
Policy Term

Policy Term

5 to 30 years

Policy Term

1 to 55 years

Overview

Reliance Nippon Life Insurance: Overview

Reliance Nippon Life Insurance Company is among the leading private sector life insurance companies in India. It is one of the largest non-bank-supported private life insurers, serving over 10 million policyholders with a strong distribution network of 713 branches and 46,538 advisors as of March 31, 2024. The company holds a Claim Settlement Ratio of 98.74% as of March 31, 2024.

Reliance Nippon Life Insurance Company caters to your insurance needs by offering:

  • Affordable Premiums

  • Wide Scope Of Coverage

  • Customizable Plans

  • Rider Benefits

  • Enhanced Coverage Benefit Option

Riders

Riders You Can Avail with Reliance Life Insurance Plans

Name of the RidersBenefits
Reliance Life Major Surgical Benefit RiderUnder this rider, customers get coverage for 33 categories of surgeries, including major surgeries such as open heart, kidney transplant, and lung transplant.
Reliance Life Critical Condition RiderUnder this rider, the customer gets a lump-sum payout if diagnosed with any critical illness among the 25 listed diseases.
Reliance Life Family Income Benefit RiderThis rider provides regular income to the policyholder until the rider's tenure if the policyholder is diagnosed with any critical illness or permanent disability that affects their earning ability for more than 6 months.
Reliance Life Accidental Disability RiderUnder this rider, all future premiums of term plans will be waived off if the policyholder has any disability due to an accident and cannot earn for more than six months.

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Go Digit Life Insurance Company

Go Digit Life Insurance Company offers multiple life insurance products, including term insurance plans, ULIPs, endowment plans, and savings plans, that are easy to understand.

Plans

Digital Icon Guaranteed Return Savings Plan

Digital Icon Guaranteed Return Savings Plan

The Digital Icon Guaranteed Return Savings Plan by Go Digit Life Insurance is a non-linked investment plan. Your funds are not affected by market cond...

Unique Features

  • Guaranteed Returns
  • 2x Sum Assured on Death
  • Comprehensive Life Cover

Digital Icon Guaranteed Return Savings Plan (Pros)

Digital Icon Guaranteed Return Savings Plan
  • Guaranteed Returns
  • 2x Sum Assured on Death
  • Comprehensive Life Cover

Digital Icon Guaranteed Return Savings Plan (Cons)

Digital Icon Guaranteed Return Savings Plan
  • Pre-existing condition limitations
  • Suicidal exclusion
  • No auto-cover continuance

Digital Icon Guaranteed Return Savings Plan (Other Benefits)

Digital Icon Guaranteed Return Savings Plan
  • Choice of Payment
  • Multiple Plan Options
  • Choice of Policy Tenure

Digital Icon Guaranteed Return Savings Plan (Eligibility Criteria)

Digital Icon Guaranteed Return Savings Plan
  • Minimum entry age: 18 years
  • Maximum entry age: 65 years
  • Minimum sum assured: Depends on minimum premium
  • Maximum sum assured: No limit
  • Maximum policy term: 40 years.

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Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.

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