Top 10 term insurers by CSR FY (2025-2026): PNB MetLife India Insurance (99.81%), Axis Max… Top 10 term insurers by CSR FY (2025-2026): PNB MetLife India Insurance (99.81%), Axis Max Life Insurance (99.80%), HDFC Life Insurance (99.72%), Tata AIA Life Insurance (99.45%), Kotak Mahindra Life Insurance (99.50%), ICICI Life Insurance (99.34%), Bajaj Life Insurance (99.33%), Aditya Birla Sun Life Insurance (98.86%), Life Insurance Corporation of India (LIC) (98.10%), SBI Life Insurance (96.81%)
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Term insurance companies are financial institutions approved by IRDAI to sell term insurance plans in India. These term plans offer financial safety to your loved ones in case of your unfortunate demise during the policy tenure.
You can buy a term insurance plan at affordable premiums in your early 20s. As per the latest IRDAI report (2023-24), there are 24 different term life insurance companies operating in India. Choosing the best insurance company can be tricky. Therefore, we have listed some parameters below to help you find the best term plan company for yourself and make a wise choice. We have also provided a list of the 10 best term insurance companies in India that you can consider.
Parameters to Consider When Choosing a Term Insurance Company
Claim Settlement Ratio: The number of claims settled out of total received claims. A higher ratio is better.
Solvency Ratio: Indicates if insurance companies are financially stable to pay claims. Must be above 1.5.
Brand Reputation: The trust and market recognition of an insurer.
Customer Reviews: Feedback from existing policyholders about the company.
Video reviews
Walkthroughs from the PolicyX team — pros, cons, and who should buy.
Top 5 Life Insurance for 2026 | Best Term insurance | 5 best term insurance plans
This video explains the top 5 term insurance plans for 2026: HDFC Life Click 2 Protect Supreme, Axis Max Life Smart Term Plan Plus, Bajaj iSecure Plan, Tata AIA Sampoorna Raksha Promise & ICICI iProtect Smart Plus
Life Insurance Companies: Claim Settlement Performance and Customer Complaints
S.No.
Company or Insurer Name
CSR by Number (FY 2025-26)
CSR by Amount (FY 2024-25)
Complaints per 10,000 Policies (FY 2024-25)
1
PNB MetLife India Insurance
99.81%
99.30%
77.6
2
Axis Max Life Insurance
99.80%
97.39%
64.9
3
HDFC Life Insurance
99.72%
97.96%
37.4
4
Kotak Mahindra Life Insurance
99.50%
95.88%
61.5
5
Tata AIA Life Insurance
99.45%
98.38%
35.0
6
ICICI Life Insurance
99.34%
98.06%
53.9
7
Bajaj Life Insurance
99.33%
93.04%
49.1
8
Aditya Birla Sun Life Insurance
98.86%
96.22%
42.4
9
Life Insurance Corporation of India (LIC)
98.10%
96.08%
41.7
10
SBI Life Insurance
96.81%
95.26%
13.8
How Does PolicyX Rank Insurers?
PolicyX ranks term plans by their:
Claim settlement ratio, by number of claims and by amount.
Solvency ratio, which shows the insurer can pay future claims.
Starting premium for ₹1 crore cover.
Plan features such as payout options, riders, and exit benefits.
Company finances and customer reviews.
Top 10 Term Insurance Companies in India in 2026
As an aware citizen, a primary concern is whether your insurance company will support your family in your absence and its financial stability in case of a heavy claim.
Below is a list of the top 10 best term insurance companies in India, along with their Claim Settlement Ratio (CSR), annual premiums received, solvency ratio, and Assets Under Management (AUM) as per the latest IRDAI report for FY 2024-2025. These metrics will help you make an informed decision.
*CSR by amount = death claim amount paid ÷ total claim amount (individual policies). Complaints per 10,000 policies = grievances reported in FY 2024-25 ÷ new individual policies issued × 10,000. Source: IRDAI Handbook on Indian Insurance Statistics 2024-25 (Tables 6, 15 and 37). CSR by number is FY 2025-26, as disclosed by insurers.
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Brief Overview of Best Term Insurance Companies in India
Axis Max Life Insurance
Axis Max Life Insurance (earlier known as Max Life Insurance) is one of the best term insurance companies in India. It is a joint venture between Max Financial Services and Axis Bank. Axis Max Life Insurance focuses on customer satisfaction and innovation by creating new products and delivering tailor-made plans to its customers. Claim settlement ratio of 99.80% (FY 2025-26), among the highest in India.
Why Choose Axis Max Life Insurance?
Get a higher sum assured at affordable premiums.
Flexibility to take a break from paying premiums under various circumstances, such as loss of job, accident, or financial struggles.
Enjoy multiple premium payment options.
Best Term Plans Offered By Axis Max Life Insurance
Sample premium for a 30-year-old non-smoking male, ₹50 lakh cover. Actual premium varies with age, health, plan option and riders.
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HDFC Life Insurance
HDFC Life Insurance is a joint venture between HDFC Group and ABRDN Group that commenced its operations in 2000. It is also one of the fastest-growing private life insurers in India, with assets under management of Rs. 2,87,136.23 crores. This IRDAI-verified term insurance company offers various insurance products to cater to every unique individual’s needs.
Why Choose HDFC Life Insurance?
Same-day claim processing.
50 lakh term insurance starting at just Rs. 14 per day.*
Get higher policy tenure for a maximum of 30 years.
Offers coverage for permanent disability, critical illnesses, and terminal illnesses.
Sample premium for a 30-year-old non-smoking male, ₹50 lakh cover. Actual premium varies with age, health, plan option and riders.
ICICI Life Insurance
ICICI Life Insurance Company, a subsidiary of ICICI Bank, was founded in 2000 as a joint venture between ICICI Bank and Prudential Corporation Holdings Limited, a leading international financial services group. ICICI Prudential term insurance plans provide tax benefits of up to 1.5 lakhs and an additional Rs 50,000 for riders under Section 80C of the Income Tax Act, 1961.
Why Choose ICICI Life Insurance?
ICICI Life offers a 1-day claim settlement.
It provides coverage for 34 critical illnesses.
Option to receive all of your premiums back.
Additional death coverage as a higher payout in case of unfortunate demise.
Sample premium for a 30-year-old non-smoking male, ₹50 lakh cover. Actual premium varies with age, health, plan option, and riders.
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Tata AIA Life Insurance
A subsidiary of Tata Group, Tata AIA Life Insurance is a joint venture between Tata Sons Pvt. Ltd. and AIA Group, New York. Since its commencement in 2001, Tata AIA Life Insurance has held a prominent leadership position in India. It is one of the best term life insurance companies in India that offers a variety of plans for customers to choose from.
Why Choose Tata AIA Life Insurance?
7% discount on first-year premiums.
With Tata AIA Life Insurance, you can save up to Rs. 46,800 annually.
Option to increase your life coverage by achieving key milestones.
Offers express claim settlement under four years.
Best Term Plans Offered By Tata AIA Life Insurance
Sample premium for a 30-year-old non-smoking male, ₹50 lakh cover. Actual premium varies with age, health, plan option and riders.
Bajaj Life Insurance
One of the leading life insurers, Bajaj Life Insurance, was formed in 2001 with over 1000+ digital offices in Tier-2 and Tier-3 cities. Bajaj Life Insurance has established itself as a trusted insurer with a strong focus on customer-centricity.
Why Choose Bajaj Life Insurance?
An early exit option to take back all the premiums during the policy term.
Option to skip your premiums for 1, 2, or 3 years during the premium payment term.
Bajaj Life has covered 2.82 crore lives as of 2024.
Avail waiver of premium benefits and an accidental total disability rider to enhance your family’s coverage.
Sample premium for a 30-year-old non-smoking male, ₹50 lakh cover. Actual premium varies with age, health, plan option and riders.
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Life Insurance Corporation of India (LIC)
Life Insurance Corporation of India (LIC) is one of the best term life insurance companies in India, incorporated in 1956. From the beginning, LIC has been one of the most prominent and best life insurance companies. The company has over 1572 satellite branches and eight zonal offices across India. Even today, LIC is one of the largest insurance companies in terms of annualized premiums.
Why Choose Life Insurance Corporation of India (LIC)?
Option to choose between the level sum assured and the increasing sum assured.
Choose between flexible premium payment terms such as Single, Regular, and Limited.
10 million customers worldwide.
Get a guaranteed annual payout of 10% of the sum assured, starting from 3 to 6 years after the premium payment term.
Best Term Plans Offered By Life Insurance Corporation of India (LIC)
Two Benefit Options - Level Sum Assured & Increasing Sum Assured.
₹576/month
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Premium for a non-smoking male.
SBI Life Insurance
SBI Life Insurance is India’s second-largest insurance company, incorporated in 2000. SBI Life Insurance offers many products, including term insurance, guaranteed return, annuity, child insurance, and retirement plans. SBI Life is one of the best insurance companies in India, with Rs. 3,85,094.99 crore of assets under management in just 24 years.
Why Choose SBI Life Insurance?
Option to cover your spouse under the same plan with some policies.
Easy payout upon the diagnosis of any terminal illness.
Option to receive monthly income benefits.
Option to purchase term insurance without undergoing a medical examination with some plans.
Sample premium for a 30-year-old non-smoking male, ₹50 lakh cover. Actual premium varies with age, health, plan option and riders.
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Aditya Birla Sun Life Insurance
Established in 2000, Aditya Birla Life Insurance is a joint venture between Aditya Birla Group and Birla Sun Life Insurance. With Rs. 85,763.04 crores of assets under management, Aditya Birla is the fastest-growing private life insurer in the insurance industry. Aditya Birla offers multiple insurance products, such as term insurance, child insurance, ULIP, endowment plans, and retirement plans to cater to the needs of every individual.
Why Choose Aditya Birla Sun Life Insurance?
Offers flexibility in coverage and tenure.
Covers 34 critical illnesses so that you can use the sum assured to get treatment.
Choose between monthly, quarterly, and yearly payout options.
Cover yourself for 99 years, for a sum assured of 1 crore at just Rs. 542 per month only.
Best Term Plans Offered By Aditya Birla Sun Life Insurance
Sample premium for a 30-year-old non-smoking male, ₹50 lakh cover. Actual premium varies with age, health, plan option and riders.
Kotak Mahindra Life Insurance
Started in 2000, Kotak Mahindra Life Insurance is India’s first standalone private insurance company. In just 24 years, Kotak Mahindra Life Insurance has saved more than 50 million lives through its 225 branch offices available across India.
Why Choose Kotak Mahindra Life Insurance?
Offers higher coverage for affordable premiums.
Long-term coverage up to the age of 99 years.
Offers accidental death cover to enhance protection against death.
Tax benefits up to 1.5 lakhs under Section 80 (C) of the Income Tax Act, 1961.
Best Term Plans Offered By Kotak Mahindra Life Insurance
Sample premium for a 30-year-old non-smoking male, ₹50 lakh cover, 25-year term. Saral Jeevan Bima cover is capped at ₹25 lakh.
PNB MetLife Life Insurance
PNB MetLife Life Insurance is a joint venture between PNB Bank and MetLife Group. They started their operations in the year 2001. With over 15,000+ branches, PNB MetLife Life Insurance offers assistance 24/7 to cater to the needs of every individual. They offer a range of life insurance products, including term insurance plans, child education plans, saving plans, and retirement plans.
Why Choose PNB MetLife Life Insurance?
Offers whole-life coverage for up to 99 years.
Covers 50 critical illnesses.
Get all your paid premiums back once the policy tenure is completed.
You can cover your spouse under the same plan as a joint life cover.
Best Term Plans Offered By PNB MetLife Life Insurance
Sample premium for a 30-year-old non-smoking male, ₹50 lakh cover. Actual premium varies with age, health, plan option and riders.
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Key Parameters to Consider When Choosing a Term Insurance Company
Claim Settlement Ratio (CSR)
It signifies how promptly the insurer settles claims.
It signifies the number of claims settled each year out of the claims received.
To know the exact CSR of the company, you can visit PolicyX.com Data Lab.
Premium Cost
Look for companies that do not charge any hidden costs with their premiums.
Identify the best company that provides the best value for premiums.
Premium costs should be justifiable with the coverage and the sum assured.
Customer Support
Contact people who recently purchased the same term plan and ask what is good and bad.
Ask about the after-sales services of that company with their customers.
You can also call PolicyX on 1800-420-0269 for more information on the best term insurance plans.
Online Reviews
Go through the insurer’s website to see the customers’ point of view.
Look for customer feedback over different social media platforms.
Read reviews on social platforms such as Google, Reddit, and Quora.
Solvency Ratio
It signifies that the insurer has a stable financial situation.
It denotes an insurance company’s assets and liabilities.
It should be more than 1.5 for the same financial year as per IRDAI.
Insurer’s Reputation and Brand Image
An insurer with a good reputation often provides the best services to their customers to maintain that image.
The reputation of an insurance company is created with its quality services and customer testimonials.
An insurance company with good customer testimonials and reviews can be considered to purchase a term plan.
Benefits of Choosing the Best Term Insurance Company
There are various benefits of choosing the best term insurance company in India in 2026:
Easy Claim Settlement
Opting for a term insurance plan from the best term insurance company will ensure that your loved ones can easily get the claim amount in your absence.
Peace of Mind
Choosing the best term insurance company offers peace of mind to the policyholder as their family is financially protected even when they are not with them.
24x7 Customer Support
You can avail customer support if you face any queries regarding your term insurance policy. The best term insurance companies offer customer support through multiple channels, including email, phone, and message.
Choice of Policy Tenure
Buying a term plan from the best term insurance company allows you to choose the policy tenure of your choice. You can choose a policy tenure between 5 to 40 years.
Flexible Premium Payment Tenure
Policyholders enjoy the flexibility to choose the premium payment tenure that best suits their needs. There are multiple payment options, including yearly, half-yearly, quarterly, and monthly.
Choice of Coverage
You can choose the coverage that best aligns with your budget and financial goals. There are multiple coverage options, including 25 lakhs, 50 lakhs, 1 crore, 5 crore, and 10 crore.
Which Term Insurance is Best for You?
Your Situation
Shortlist
Why
Tight Budget
SBI Life, Aditya Birla Sun Life
Lowest starting premiums (₹503 to ₹541/month*)
Safest Claim Record
PNB MetLife, Axis Max Life, HDFC Life
Highest CSR (99.72% to 99.81%)
Fewest Complaints
SBI Life, Tata AIA
13.8 and 35.0 complaints per 10,000 policies
Spouse Cover
HDFC Life, PNB MetLife, Bajaj Life
Joint or spouse cover options
Irregular Income
Bajaj Life, Axis Max Life
Premium holiday or cover continuance options
Cover of ₹1 Crore+
Axis Max Life, HDFC Life, Tata AIA
Rebates on higher sum assured
Government-Backed Brand
LIC
Only public insurer on the list
Who Should Buy Term Insurance?
For individuals with financial dependents, term plans offer a secure and affordable way to provide financial protection. It covers a range of individuals such as parents, married couples, self-employed or business people, new parents, and taxpayers. Let’s see how these individuals can benefit from the security of a term insurance plan.
Salaried Individual
Salaried individuals should opt for term insurance so that if something happens, their dependents can get a lump sum amount to run their lives without financial struggles.
Self-employed
People who are business owners, big or small, should buy a term insurance plan so that when they are not around, their business or family doesn’t suffer financially.
Parents
Parents with dependent children should invest in a term insurance plan so that their children are well taken care of financially even in their absence.
Married Couple
Married people should buy term insurance to secure their spouse if something happens to the policyholder. Some term plans also offer life cover to both under one plan.
Taxpayers
Taxpayers should buy a term plan as they can avail tax benefits of up to Rs 1.5 lakhs and an additional Rs 50,000 (for riders) for the premium paid in the same financial year.
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Why Should You Buy Term Plans From PolicyX?
You should buy from PolicyX.com because:
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The most-asked questions about Top 10 Term Insurance Companies in India 2026, answered.
PNB MetLife (99.81%), Axis Max Life (99.80%) and HDFC Life (99.72%) lead on claim settlement ratio for FY 2025-26. Compare premiums, solvency ratio and your cover needs before deciding.”
LIC offers trust and scale; private insurers like HDFC Life and Axis Max Life often offer higher CSR and lower premiums.
Yes. Buy and get the new policy issued first, then cancel the old one, so your family is never without cover. If you are within the free-look period (usually 30 days), you can cancel the old policy for a refund.
Not necessarily. Compare sum assured, riders and claim settlement ratio, not just premium, to judge actual policy value.
As per CSR FY 2025-26, PNB MetLife, Axis Max Life, HDFC Life, Kotak Life and Tata AIA are the top 5 term life insurance companies in India.
PNB MetLife (99.81%) has the highest CSR FY (2025-2026)
Enter gender, age, income and city to get free quotes in 30 seconds, then compare premium, CSR and riders side by side.
Choose a high-CSR insurer, cover till retirement (about age 60), and add riders like critical illness if needed. Buying at 30 locks low premiums.
The nominee informs the insurer, then submits the claim form, death certificate, original policy documents and ID proof. Tell your nominee the insurer’s name and policy number now, and keep documents easy to find.
Pure term gives the highest cover at the lowest premium. Return-of-premium refunds premiums if you survive the term, but costs much more. Most people get better value from pure term and investing the difference.
Yes. Smokers usually pay noticeably higher premiums, and health conditions can raise the price or need extra tests. Never hide them: wrong disclosure is a top reason claims get rejected.
PolicyX ranks insurers by claim settlement ratio (by number and amount), solvency ratio, starting premium for ₹1 crore cover, plan features and riders, and company finances and customer reviews.
Based on claim settlement ratio for FY 2025-26, the top 3 term insurance companies in India are PNB MetLife (99.81%), Axis Max Life (99.80%) and HDFC Life (99.72%).
PNB MetLife is No. 1 by claim settlement ratio (99.81%, FY 2025-26). LIC is No. 1 by size, with annual premium income of Rs 4,88,849 crore.
For FY 2025-26: PNB MetLife 99.81%, Axis Max Life 99.80%, HDFC Life 99.72%, Kotak Life 99.50%, Tata AIA 99.45%, ICICI Prudential 99.34%, Bajaj Life 99.33%, Aditya Birla Sun Life 98.86%, LIC 98.10% and SBI Life 96.81%.
LIC is the largest insurer and is backed by the government, with a CSR of 98.10%. Private insurers like PNB MetLife, Axis Max Life and HDFC Life have higher CSRs (above 99.7%) and usually lower online premiums.
By annual premium income, the four largest are LIC (Rs 4,88,849 crore), SBI Life (Rs 84,985 crore), HDFC Life (Rs 71,045 crore) and ICICI Prudential Life (Rs 48,951 crore).
Bajaj Life has the highest solvency ratio (2.60), followed by Kotak Life (2.45). IRDAI requires at least 1.5, and all 10 insurers on this list are above it.
As per IRDAI rules, insurers must settle death claims within 15 days if no investigation is needed. If an investigation is needed, it must be completed within 45 days.
Reviews change often, so check claim data first. A high claim settlement ratio, few complaints and quick claim payouts are better signs of good service than star ratings. PNB MetLife, Axis Max Life and HDFC Life lead on claims for FY 2025-26.
Check 4 things: claim settlement ratio above 98%, solvency ratio above 1.5, a low number of complaints, and the premium for your cover. Compare at least 3 insurers on PolicyX before buying.
Yes. PolicyX is an IRDAI- licensed web aggregator. You compare quotes from multiple insurers, but the policy is issued by the insurer directly, and claims are paid by the insurer.
Term Insurance News
Recent updates and announcements from the term insurance industry.
Term News
23 Oct 2026
SBI Life Launches ‘Anokhe Heere’ Film Celebrating Indian Para-Athletes
SBI Life Insurance launched ‘Anokhe Heere’, a brand film celebrating the resilience and determination of Indian para-athletes. The film follows a boy …
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SBI Life Insurance launched ‘Anokhe Heere’, a brand film celebrating the resilience and determination of Indian para-athletes.
The film follows a boy named Aksh, who discovers value in everyday objects and draws parallels with the dedication of para-athletes.
SBI Life is the principal partner of Team India for the 2026 Para Commonwealth and Asian Games.
Term News
15 Oct 2026
Axis Max Life Partners with Tata Digital to Expand Insurance Access
Axis Max Life Insurance has partnered with Tata Fintech, a subsidiary of Tata Digital, to offer select life insurance products on Tata Neu. Customers …
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Axis Max Life Insurance has partnered with Tata Fintech, a subsidiary of Tata Digital, to offer select life insurance products on Tata Neu.
Customers will be able to explore and purchase protection and long-term savings plans through the platform, making insurance more accessible and convenient.
Axis Max Life MD and CEO Sumit Madan said the partnership aims to expand insurance penetration through digital innovation. Tata Digital MD and CEO Sajith Sivanandan highlighted the focus on providing convenient financial solutions within the Tata Neu ecosystem.
Term News
14 Oct 2026
Tata AIA Relaunches Vitality Programme with Lower Step Targets
1. Tata AIA Life Insurance has relaunched its Vitality wellness programme in India, lowering the daily step target for earning rewards from 7,500 to 5…
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1. Tata AIA Life Insurance has relaunched its Vitality wellness programme in India, lowering the daily step target for earning rewards from 7,500 to 5,000 steps.
2. Members earn points through walking, exercise and health checks. Their Bronze, Silver, Gold or Platinum status determines the premium discounts available at policy renewal.
3. The updated programme integrates Health Connect to track steps, heart rate and other health data. Members also receive discounts on fitness products, wearables and gym memberships through partner brands.
Term News
12 Oct 2026
Four Reforms Proposed to Build Trust in India’s Insurance Sector
Harsh Roongta has proposed four reforms to improve trust in insurance, including measuring protection per person instead of premiums collected as a sh…
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Harsh Roongta has proposed four reforms to improve trust in insurance, including measuring protection per person instead of premiums collected as a share of GDP.
He recommended launching Bima Sugam with commission-free term and health insurance plans, allowing consumers to compare prices and make informed decisions.
He also suggested fee-only insurance advisers and adding complaint records with their decisions to the proposed Public Insurance Registry to improve transparency and help consumers choose insurers.
Term News
7 Oct 2026
ICICI Life Insurance appoints new MD & CEO
ICICI Life Insurance has approved the appointment of Siddharatha Mishra as Managing Director and CEO for a five-year term, subject to IRDAI approval. …
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ICICI Life Insurance has approved the appointment of Siddharatha Mishra as Managing Director and CEO for a five-year term, subject to IRDAI approval.
Mishra will take charge as MD & CEO from October 14, 2026, or after receiving regulatory approval, whichever is later.
He has also been appointed COO from October 6, while Anup Bagchi will step down as MD & CEO after business hours on October 13.
Term News
29 Sep 2026
Kotak Life Highlights Need for “Insurance for All” by 2047
Kotak Life, in partnership with CNBC-TV18, highlighted the need to make life insurance more accessible and relevant to Indians as part of the “Insuran…
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Kotak Life, in partnership with CNBC-TV18, highlighted the need to make life insurance more accessible and relevant to Indians as part of the “Insurance for All by 2047” vision.
Industry leaders stressed the importance of customer awareness, trust, affordability, and digital innovation to expand insurance coverage across the country.
The discussions also focused on protection-led insurance, term insurance adoption, and stronger financial resilience for Indian families.
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