Surfing the internet for the greatest term insurance plan in India might be a time-consuming activity. Before investing in a plan that not only guarantees your family's future but also fulfills their lifestyle preferences in the event
of any unanticipated catastrophes, it is critical to analyze all variable elements. Choosing the best term insurance in India is dependent on its features and advantages, which vary amongst term plans. Term insurance plans provide
a big quantity of coverage for affordable premiums. This article by PolicyX will walk you through the process of analysing and selecting on the Best Term Life Insurance 2023 offered by India's biggest insurance providers.
Term Plans are widely popular as they provide a financial cushion for your family in case of any unfortunate incident leading to your untimely demise. Selecting the best term plan is subject to its features and benefits which are different
for all term plans. Apart from the features and benefits provided by term insurance plans, it is essential to look at the claim settlement ratio of the best term insurance plan in India.
Specifically covers you and protects your spouse, children, or other nominees financially in case of your sudden death. Also, covers 34 critical illnesses at a very reasonable premium amount.
Offers financial security and a support system to the policyholder in an emergency. Provides a 5% (up to 200% of the base SA) increment in sum assured after every anniversary of the policy.
A perfect term plan that fulfills your needs at every stage of life. Offers all-around protection to the policyholder as it protects against 36 critical illnesses, accidental death benefits, etc.
It is a complete term plan with all the modern-day features that can help you in every stage of life. It offers multiple variants to accommodate the different needs of different customers.
Carefully crafted to fulfill your present requirement but also take care of future responsibilities of your family. It offers 3 types of plan options for the customer to choose the best suitable plan for them.
Carefully designed to provide financial assurance to your family. It has the option to enhance your coverage against accidental death, total and permanent disability.
Unique Features
Multiple Plan Options
Flexible-Premium payment options
Multiple Payout Options
Claim Settlement Ratio96.38%
Edelweiss Tokio Total Protect Plus
Provides all-round financial protection to your family in your absence. It also provides coverage to your better half in the same plan at a little extra cost.
Unique Features
Child Future Protection Benefit
Discounted Premiums
Entry Age: 18-55 Years
Looking to buy Best Term Insurance Plan? Find complete details in one go!
Provided below is the list of the top 10 term policies in India for individuals suiting their requirements. The best-term insurance plan list is curated keeping in mind various factors such as affordable premiums,
flexible payment terms, coverage, sum insured options, efficient customer service, and more.
S.No.
Plan
Claim settlement Ratio(2021-2022)
Sum Assured
Sample Annual Premium*
1.
HDFC Life Click 2 Protect Life
98.66%
50 Lakhs - Unlimited
INR 7,185
2.
ICICI Pru iProtect Smart
97.82%
50 Lakhs - Unlimited
INR 8,021
3.
Max Life Smart Secure Plus Plan
99.34%
25 Lakhs to 3.5 Cr
INR 6,095
4.
Tata AIA Life Insurance Sampoorna Raksha Supreme
98.53%
50 Lakhs to No Limit
INR 6,844
5.
Aditya Birla Life Shield Plan
98.07%
50 Lakhs to Unlimited
INR 5,591
6.
PNB MetLife Mera Term Plan Plus
97.33%
25 Lakhs to 2 Cr
INR 6,490
7.
SBI e-Shield Next
97.05%
50 Lakhs - Unlimited
INR 7,519
8.
Bajaj Allianz Smart Protect Goal
99.02%
50 Lakhs to 10 Cr
INR 7,348
9.
Kotak e-Term Plan
98.82%
25 Lakhs to No Limit
INR 5,250
10.
Edelweiss Tokio Total Protect Plus
98.09%
25 Lakhs to No Limit
INR 4,902
*The sample premium is calculated for 30 year old male, earning 5 lakhs per annum. Sum assured taken is 50 Lakhs for 30 year of policy term.
**CSR data sourced from IRDAI Annual Report 2021-2022
Disclaimer: The sequence of plans in the table does not define their ranking.
Let us take a brief look at the key features of the best-term insurance plans in India mentioned above.
HDFC Life Click 2 Protect Term Plan
HDFC is amongst the most trusted insurance providers with 98.66% of the Claim Settlement Ratio. The plan provides comprehensive financial protection with 3 plan options. It also auto balances Death and Critical Illness benefits
with increasing age.
Features of HDFC Life Click 2 Protect Term Plan
3 plan options are available.
Whole life cover option available for individuals.
Individuals will receive regular income payouts after the age of 60 years.
On the diagnosis of the listed critical illnesses within the plan insurance holder gets a waiver of premium benefit.
Special premium rates for females and non-smokers.
Eligibility Criteria of HDFC Life Click 2 Protect Term Plan
Entry Age
Life & CI Rebalance
Life Protect
Income Plus
Minimum: 18 years Maximum: 65 years
Minimum: 18/45 years Maximum: 60/65 years
Minimum: 30/45 years Maximum: 50/55 years
Sum Insured
Life & CI Rebalance
Life Protect
Income Plus
Minimum: INR 20,000 Maximum: No Limit
Minimum: INR 50,000 Maximum: No Limit
Policy Term
Minimum: 10 years Maximum: 30 years
Minimum:5 or 6 years Maximum: 85 years or whole of life
Minimum: 70 years Maximum: 40 or whole of life
ICICI Pru iProtect Smart
Since its inception, the plan has been among ICICI Prudential Life Insurance's best-selling products. It is a low-cost term insurance policy with low premiums and a high sum insured of up to INR 1 crore.
Features of ICICI Pru iProtect Smart
The policy provides long-term insurance coverage up to the age of 99.
The plan provides a claim payout upon the first diagnosis of any of the 34 serious illnesses listed in the plan.
ICICI Pru iprotect smart is available in the form of 4 payout options namely, lump sum, income, increasing income, and lump sum plus income.
The plan pays life cover on the diagnosis of a life-threatening terminal illness in order to help individuals in the treatment.
Accidental Benefit option availability.
Eligibility Criteria of ICICI Pru iProtect Smart
Entry Age
Minimum: 18 years Maximum: 65 years
Sum Insured
Minimum: Subject to the minimum premium Maximum: Unlimited
Policy Term
Minimum: 40 years Maximum: 75 years
Max Life Smart Secure Plus Plan
With a 99.34% Claim Settlement Ratio Max Life Insurance is among the best term insurance plans in India. The plan offers a wide range of sum insured of up to 1 Cr and coverage against 65 critical illnesses.
Features of Max Life Smart Secure Plus Plan
The plan offers terminal illness benefits of up to INR 1 crore on the diagnosis of any terminal illness.
Max Life Smart Secure Plus plan offers comprehensive financial protection with various add-on benefits along with a death benefit.
Flexible claim payment options are available under the plan.
Individuals can opt for a voluntary sum-assured top-up wherein they can increase the sum insured of their policy at a later stage.
Premium Break feature available under the plan.
Eligibility Criteria of Max Life Smart Secure Plus Plan
Entry Age
Minimum: 18 years Maximum: 65 years (Regular Pay) / 44 years (Pay till 60)
Base Cover- Min: 10 Years| Max: 67 Years ACI- Min: 10 Years| Max:50 Years Accident Cover- Min: 5 Years| Max: 67 Years Maximum: 75 years
Tata AIA Life Insurance Sampoorna Raksha Supreme
The plan provides a financially-secured future with comprehensive term life insurance cover that offers security and a smooth claim settlement feature.
Features of Tata AIA Life Insurance Sampoorna Raksha Supreme
The plan offers a return of premium benefits up to 105% of the premium.
Increase your cover amount with various stages of your life such as marriage, the birth of a child, etc.
Get whole-life coverage up to 100 years of age.
Opt for additional riders embedded in the plan as per your requirements.
Free medical consultation feature available with the term insurance plan.
Eligibility Criteria of Tata AIA Life Insurance Sampoorna Raksha Supreme
Entry Age
Minimum: 18 years (Life and Life Plus Variant) 20 years (Life Income Variant) Maximum: 65 years (Life and Life Plus Variant) 60 years (Life Income Variant)
Sum Insured
Minimum: INR 50 lakh Maximum: No Limit
Policy Term
Minimum: 10 years (Life and Life Plus Variant) 10 years with Subject to maturity age of at least 65 years (Life Income Variant)
Maximum: 82 years (Life Variant) 80 years with
subject to maximum maturity age of 100 years (Life Income Variant)
ABSLI DigiShield Plan
ABSLI DigiShield Term Insurance Plan is a versatile plan with 10 different plan options. The plan is designed to cater to young individuals, married couples, parents, and other people with different requirements.
Features of ABSLI DigiShield Plan
10 different plan options available under ABSLI Digi Shield Plan.
Policyholders are covered up to 100 years of age.
Terminal Illness benefit is available under ABSLI Digi Shield Plan.
Avail maturity benefits under the plan.
Enhanced life stage option wherein you can increase the sum assured based on the life stage you are at.
Eligibility Criteria of ABSLI DigiShield Plan
Entry Age
Minimum: For plan options 1|2|3|6|7|8|10: 18 years For plan options 4|5: 45 years For plan options 9: 18 years
Maximum: For plan options 1|2|3|6|7|8|10: 65 years For plan options
4|5 : 65 years For plan options 9: 50 years
Sum Insured
Minimum: For plan option 1|2|6|7|3|4|5|9|10: INR 30 lakh
Maximum: No limit
For plan option 8: INR 1 lakh
Maximum: INR 20 lakh
Policy Term
Minimum: 5 years Maximum: 40 years
PNB Metlife Mera Term Plan Plus
PNB Mera Term Plan Plus is considered one of the best term plans. The plan offers you the flexibility to choose protection against Death, Critical Illness, Disability, and Terminal Illness along with various additional options
like spouse coverage and whole-life protection.
Features of PNB Metlife Mera Term Plan Plus
Opt between three plan options namely Life, life plus, and Life Plus health.
Flexible payout options available for individuals under this plan.
Child education support benefit provides an additional sum insured subject to a minimum of Rs 10 lakh and a maximum of Rs 1 cr for child education.
Avail various riders with PNB Metlife Mera Term Plan Plus.
Life stage benefit offers an enhanced sum insured on the basis of your life stage financial needs.
Eligibility Criteria of PNB Metlife Mera Term Plan Plus
Entry Age
Minimum: 18 years Maximum: 6 years
Sum Insured
Minimum: INR 25 Lakhs Maximum: No limit
Policy Term
10 to 40/99-Age at entry
SBI e-shield Next
With a CSR of 97.05% SBI life insurance is a reliable insurance provider. SBI e-shield next offers 3 plan options and is customizable as per your needs and requirements.
Features of SBI e-shield Next
Opt between 3 plan options namely, level cover, increasing cover, and level cover.
Avail life cover up to 100 years.
Terminal Illness Benefit available under SBI e-shield next plan.
Accidental Death Benefit Rider option.
SBI Life - Accidental Total & Permanent Disability Benefit Rider.
Eligibility Criteria of SBI e-Shield Next
Entry Age
Minimum: For whole life: 45 years For other than whole life: 18 years
Maximum: 65 years
Sum Insured
Minimum: INR 75 Lakhs Maximum: No limit
Policy Term
Whole life: 100 less Age at entry
Bajaj Allianz Smart Protect Goal
Bajaj Allianz Smart Protect Goal is a comprehensive insurance plan with critical illness coverage for 55 listed critical illnesses, return of premium feature, whole life cover, and more.
Features of Bajaj Allianz Smart Protect Goal
Death Benefit (Benefit payable on the death of the Life Assured during the policy term).
Individuals can opt for critical illness benefits. This Benefit will have a separate sum assured (CI Sum Assured).
Return of Premium benefit offers a Maturity Benefit equal to the total premiums paid as a one-time lump sum on the date of maturity.
Life covers up to the age of 99 years.
A maximum of four (4) Minor CI including Angioplasty claims will be payable during the CIB cover period.
Eligibility Criteria of Bajaj Allianz Smart Protect Goal
Entry Age
Minimum: 18 years ROP: Pay-till-60 Option - 25 years
Maximum - 65 years ROP: Pay-till-60 Option - 55 years For Critical Illness Benefit - 65 years
A pure risk cover that provides financial safety to your loved ones in your absence in case of any unfortunate circumstances. Kotak's e-term plan offers various plan options to select from and has a high coverage amount.
Features of Kotak e-term plan
You can opt between Life, Life Plus, or Life Secure options.
Payout options are available for individuals to select the way they want their sum assured amount namely, immediate, level recurring or increasing recurring payout.
Increase or decrease your coverage amount as per your life stages and requirements.
Customize your term plan with additional riders as per your requirements.
Inbuilt Wellness Benefit for insurance holders.
Eligibility Criteria of Kotak e-term Plan
Entry Age
Minimum: 18 years Maximum - 65 years
Sum Insured
Minimum: INR 25 Lakhs / 1 Cr Maximum: No limit
Policy Term
Minimum: 5 years Maximum: 40 Years or 75 Minus Age at Entry
Edelweiss Tokio Life Zindagi Protect Plan
Edelweiss Tokio Zindagi Protect Plan covers you for up to 100 years of age, providing you with financial security along with features such as child future protection benefit, enhanced benefits for your spouse, and more.
Features of Edelweiss Tokio Zindagi Protect Plan
Child's future protect benefit is an optional benefit that provides an additional payout to your child in case of your demise.
Better half benefit is also an optional benefit protecting your spouse when you are not around.
Return of premiums benefit offers 100% of total premiums paid on maturity.
Limited Premium Pay option wherein you can avail premium payment terms 5/7/10/15/20 years.
Avail of Premium Break Benefit allowing you to skip up to 8 premiums.
Eligibility Criteria of Edelweiss Tokio Zindagi Protect Plan
Entry Age
Minimum: 18 years Maximum - 65 years
Sum Insured
Minimum: INR 25 Lakhs Maximum: No limit/ 1 Cr for better half benefit
Policy Term
Minimum: To Age 60: (65 - Entry Age of Life Insured) Maximum: 100 years - age at entry of Life Insured
Reasons You Should Purchase the Best Term Plan in India
Death is unpredictable and can be the result of any life-threatening disease, illness, or accident. It is essential to prepare your family for unpredictable incidents and provide them with a financial cushion in your absence in order to
provide them with a secure future. Below is a list of individuals who must invest in the best term insurance plan in India.
Dependent Children
If you have dependent children, you should invest wisely in the best term insurance plan in India. In the event of your untimely death, it is critical that your children have a secure future, may achieve
their goals and dreams, and are not burdened with any liabilities.
Newly Wed Couples
If you are a newlywed bride and groom, you should think about providing your partner with a stable future by providing financial support in the event of your untimely death due to any unforeseen reasons.
Investing in the best term insurance plan in India will provide your spouse with the required financial support
Single Women
If you are a single woman who has dependent children or parents and are the sole earning member of your family, it is imperative that you invest in the best term insurance plans in order to safeguard the future
of the people dependent on you.
Salaried Employees
Individuals who are salaried employees must invest in the best term insurance plan in India as it not only promises a secure future for their family but also helps in tax deductions under section 80D.
Senior Citizens
Investing in the best term plan in India promises your spouse the independence and freedom to live the way they want to in case of your demise and they do not have to depend on anyone in the family for
financial support.
How to Choose the Best Term Insurance Plan
It is essential to select the best for your loved ones, and as individuals, we try and find the best for our family in all aspects of life. Keeping your loved ones protected against unprecedented circumstances is everyone's first priority.
PolicyX has compiled a list of factors to understand term insurance better and make the best choice.
Consider your life stage and dependants: The primary step to buying the best term insurance plan is to assess your life when buying insurance. When you finalize insurance, your age and financial situation set
the groundwork for choosing the right policy. These factors decide policy duration along with the amount of coverage that is suitable. You need to consider who needs life coverage and how to choose term insurance appropriately
for the dependants in your life.
Analyze Your Income: A common concern among people is how to decide term insurance amount that will be enough for their family. It is advisable to analyze your income to get a more practical picture of it.
It is important to calculate the financial requirements of your family so as to not overestimate the life cover.
Look at existing liabilities: Debts and liabilities are other important factors in the process of how to choose term insurance. Often, people have loans to repay over an extended period. In case the policy
term does not cover the repayment period or if the amount falls short, it can be financially dreadful for your dependents.
Lifestyle Assessment : A lifestyle evaluation is essential in evaluating the level of coverage that is appropriate for your family. Your liabilities, such as indebtedness, dependent children and their future,
elderly parents with medical care needs, and so on, are all considered before settling on a coverage amount.
Inflation: When looking for the best term insurance plan in India, keep the rising cost of living in mind. When deciding on the sum insured amount don't consider your current budget because it won't be enough
for tomorrow.
Term Plan Variety: Insurance providers in India provide a variety of best-term insurance policies with a variety of benefits and other features. The best term insurance plan in India balances an equal combination
of adequate coverage, appropriate features, and rapid claim settlement and customer care.
Savings within Term Insurance Plans: Term life insurance provides individuals with a savings element in the plan that may be used to not only give coverage to the family after death but also asset management
to maintain a healthy lifestyle.
Loan Benefit: While selecting the best term insurance policy individuals can look for policies that provide the ability to avail of a loan against policies.
Set a cover amount
Estimate a suitable cover amount based on your age, financial responsibilities, family's future requirements, current debts while keeping potential inflation in mind. For example, if you are 20-30 years old then
the ideal cover for you should be 20x your annual income. " The lesser the age, the more the cover amount. "
Buy from a trustworthy insurer
Many companies in the insurance market are providing term insurance plans. Ensure buying term insurance from a reliable company with: A high claim settlement Solvency ratio above the minimum mandate constantly Good financial background and market reputation
Select a policy term
You get various options to choose a policy term. Determine the term based on your age. For example, if you are in your early 20s, go for a policy term of around 40 years.
Choose a convenient payout option
The payout option you choose affects the premium amount, therefore, select a suitable payout option that is feasible to pay.
Add a rider
For better financial protection, choose add-on riders carefully to fulfil your goals in case of disability, loss of occupation, life-threatening diseases, etc.
Check reviews of existing customer
Scroll through the customer reviews on the company's website and social media accounts to know the experience of current policyholders with the company and its products.
Who is Eligible To Buy Best Term Insurance Plan in India
There are certain eligibility criteria set by insurance providers in order to purchase best term insurance plans in India. Below mentioned are the standard eligibility criteria for term insurance plans
Minimum Entry Age - 18 Years
Maximum Entry Age - 65 Years
Policy Term - 5 Years to 100 Years (Whole Life Cover)
Rider Benefits - Accidental Death Benefit/ Accidental Disability Rider/ Critical Illness Rider/ Waiver of Premium In case of Permanent Disability Rider
Maximum Sum Insured - No Limit
Benefits of Best Term Insurance Plan in India
You may find a huge list of best term insurance in India if you search online. But a term plan is best for you only if it offers added advantages that are not offered by every plan in general. Have a look at the benefits of having the
best term plan in India:
Higher financial protection at a lower premium
Multiple payout options
Tax exemptions
Adjustable cover amount
Coverage for critical illness
Additional financial security in terms of riders
Survival benefits with Return of Premium Term Plans
Value for money
Calculate Term Insurance Premium
When buying a term plan, evaluate the cover that would meet your financial goals and personal responsibilities altogether. The insurance premium that you will pay for the decided cover is calculated on the basis of your:
Age & Gender
Cover & Policy Term
Lifestyle
Medical history of yourself and dependents
Occupation
To give a better idea of how a premium is calculated for a term plan based on various factors, we have shown 4 sample premiums for different coverage amounts with constant age and policy term.
Coverage Amount |50 Lakhs
Age
Policy Term
Coverage Amount
Monthly Premium (INR)
30/Male
30
50 lacs
509
Coverage Amount |1 Crore
Age
Policy Term
Coverage Amount
Monthly Premium (INR)
30/Male
30
1 Crore
908
Coverage Amount |3 Crores
Age
Policy Term
Coverage Amount
Monthly Premium (INR)
30/Male
30
3 Crore
2,131
Coverage Amount |5 Crores
Age
Policy Term
Coverage Amount
Monthly Premium (INR)
30/Male
30
5 Crore
3,502
Check Your Premium
How to Buy Best Term Insurance Plan?
You can purchase your preferred term policy offline and online. An offline policy can be bought from the company or its agents. Buy the best
term insurance in India online either through the insurer's official website or PolicyX.
Explore the process below:
Buy from insurer
Visit the brand website of your preferred insurer.
Select a term plan.
Fill in the required details and check premium.
Make online payment and receive the policy on your registered email ID.
Fill in the required details and click on 'Continue'.
Submit your income and city, and click on 'Proceed'.
Check term plans and choose your preferred plan.
Click on 'Buy' to purchase the desired plan.
Make payment and you will receive the policy on your registered Email ID.
The Crux
Best Term Insurance Plan in India is a subjective topic as each and every individual requires different features from their term insurance plan. However, it is essential that people are careful in selecting their sum assured value, additional
riders, and other additional benefits before purchasing the best term insurance in India.
Best Term Insurance Plans: FAQ's
1. Top 10 Term Insurance Plans in India?
Following are the best term insurance plans in India:
HDFC Life Click 2 Protect Life
ICICI Pru iProtect Smart
Max Life Smart Secure Plus Plan
Tata AIA Life Insurance Sampoorna Raksha Supreme
Aditya Birla Life Shield Plan
PNB MetLife Mera Term Plan Plus
SBI e-Shield Next
Bajaj Allianz Smart Protect Goal
Kotak e-Term Plan
Edelweiss Tokio Total Protect Plus
2. What mandatory documents are required to buy Best Term Plans?
Following is the list of documents that are required to buy the term insurance online:
Income Proof
Age Proof
Education Certificates
Address Proof - residence and correspondence
Identity Proof
Photograph
PAN Card
3. Will I get tax benefits from the best Term Insurance Plans?
The policyholder with a term insurance plan can avail of the tax benefits under section 80D. If the policyholder has availed a term insurance policy with health riders, then he/she can claim the premiums on his/her health riders
under Section 80D.
4. Am I allowed to add riders to my existing best-term insurance plan?
Well, the answer to this differs from insurance company to company. Some insurance companies allow riders to be added only at the inception of the policy. However, few insurance companies may allow them to be added only at the
policy anniversary.
5. I am an NRI, can I avail the benefits of the best Term Plan in India?
If you are a non-resident Indian (NRI), you can purchase term insurance plans designed specifically for people who reside outside India. You can purchase a plan which would secure the future of your loved ones and protect them
in your absence. Term insurance is offered to the NRIs.
6. What will happen to my Term Insurance if my nominee will die before me?
In such a case where the nominee of your Term Insurance is dead, you need to intimidate your insurance company and then can change your nominee.
7. Why should I add riders to my Best Term Life Insurance?
A rider is an insurance policy provision that adds benefits to or amends the terms of a basic insurance policy to provide additional coverage. Riders tailor insurance coverage to meet the needs of the policyholder. Riders come
at an extra cost on top of the premiums an insured party pays.
8. What are the key features of the best Term Insurance plan?
To choose best term insurance plans you need to consider factors like
Budget Friendliness
Long-term life protection
Availability of riders
Easy to Purchase
Availability of whole life protection
9. What are the minimum and maximum entry age to purchase Best Term Insurance Plans?
While the minimum entry age to buy a term insurance plan is 18 years, the maximum entry age is 65 years.
Term Insurance Companies
Check and compare plans from 21 IRDAI-approved term insurance providers before purchasing a term plan.
I seek help from PolicyX when it comes to purchasing any kind of insurance because they provide me with the best quotes and options for insurance
Priya Sharma
Jaipur
December 14, 2022
PolicyX has a smooth service from booking policy to verification. Employees are very patient and have good knowledge and help you throughout the process.
Had great experience dealing with them
Somesh
Agra
December 9, 2022
I had many confusions regarding the term policies . But Policyx has handled it well, m happy that they are my wayfarer in this journey.
Prerna Kumari
Mumbai
July 11, 2022
Good company. Presents nice term insurance plans and flexible plans also. My husband has brought one for the family.
Priya Sangwan
Mumbai
July 11, 2022
IndiaFirst Term Insurance company ensures that your family s needs are looked after. One of the best companies offers a term plan per your needs.
Priyanshi Deewan
Hyderabad
July 6, 2022
I recently received the claim amount of the policy that my husband had brought for us. I am glad that the company understands the needs of its customers and their families. Well done Canara HSBC Term Insur...
Rishabh Kumar
Delhi
July 6, 2022
I bought a term plan with Canara HSBC for the protection of my family and have been satisfied with the benefits received. It is simple and easy to buy their plans.
Samarth Gaur
Chennai
July 6, 2022
I am very happy with the term plans offered by the Canara HSBC Life Insurance company. The plans offer comprehensive coverage and I am sure will support my family after my demise.
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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