Birla Sun Life Insurance vs Future Generali Term Insurance Online in 2026

Aditya Birla Sun Life term insurance plans focus on pure protection with benefits like death cover, optional riders, and tax savings under applicable laws. With a strong claim settlement record and easy online purchase process, it is a reliable option for securing your family’s financial future.

Rating	Rating 4.6	Rating 4.6
Number of term insurance plans and add-ons	No. of Plans 5	No. of Plans 1
Annual Premiums Collected (2024-25)	Annual Premiums Collected (2024-25) Rs 20638.77 Cr	Annual Premiums Collected (2024-25) Rs 2510.85 crores
Payout Options	Payout Options Lump sum, monthly, or a combination of both	Payout Options Lump sum, monthly, or a combination of both
Claim ratio	Payout Options 98.65%	Payout Options 99.78%%
Solvency Ratio	Solvency Ratio 1.88	Solvency Ratio 1.70
Pan India Presence	Pan India Presence 1048+	Pan India Presence 100+
Riders Available	Riders Available Comprehensive Critical Illness Rider, Waiver of Premium Rider, Accidental Death and Disability Rider, Critical Illness Rider, Accidental Death Benefit Rider Plus	Riders Available Accidental Death Benefit Rider, Accidental Total Permanent Disability Protection Rider, Critical Illness Benefit Rider, Accidental Death and Dismemberment Rider.
Policy Term	Policy Term 10 to 55 years	Policy Term 5 to 30 years
Inception year	Inception year 2000	Inception year 2006
Complaint ratio per ₹1 crore of premium collected	Complaint ratio per ₹1 crore of premium collected 0.022	Complaint ratio per ₹1 crore of premium collected 0.183
Average claim settlement time	Average claim settlement time 24 working hours	Average claim settlement time 15 days
IRDAI registration number	IRDAI registration number 109	IRDAI registration number 133
Awards and recognitions	Awards and recognitions Domestic Life Insurer of the Year, Quality Enterprise Leadership, Best Fraud Intelligence Company of the Year	Awards and recognitions Company of the Year" (Mid Segment) at Navabharat BFSI Awards 2022, Stevie Awards for customer service, securing ASSOCHAM awards
Recommended Videos	Secure Your Future with Future Generali Term Insurance Plans!

Name of the Riders	Benefits
ABSLI Comprehensive Critical Illness Rider	This rider offers additional benefits and protection against up to 64 critical illnesses mentioned in the brochure.
ABSLI Waiver of Premium Rider	This rider waives off future premiums if you are unable to pay in the event of financial difficulties.
ABSLI Accidental Death and Disability Rider	TOffers additional benefits in case of accidental death and accidental disability.
ABSLI Critical Illness Rider	ABSLI Critical Illness Rider covers 4 major illnesses - first heart attack of specified severity, cancer of specified severity, stroke resulting in permanent symptoms, and major organ/bone marrow transplant.
ABSLI Accidental Death Benefit Rider Plus	In the unfortunate event of the death of the life insured due to an accident, 100% of the rider sum assured is paid to the nominee.

Name of the rider	Benefits
Future Generali Accidental Death Benefit Rider	Future Generali Accidental Death Benefit Rider is an optional rider that you can select with your Future Generali term plan. It provides an additional rider sum assured payout in case of accidental death.
Future Generali Accidental Total Permanent Disability Protection Rider	Future Generali Accidental Total Permanent Disability Rider can be attached to your Future Generali term plan. The rider offers benefits in case of permanent disability due to an accident.
Future Generali Critical Illness Benefit Rider	Future Generali critical illness rider offers an additional payout in case of diagnosis of any of the listed critical illnesses in the Future Generali term insurance policy.

Birla Sun Life vs Future Generali Term

Compare

Birla Sun Life vs Future Generali Term

Overview

Aditya Birla Term Insurance: Overview

Future Generali Term Insurance: Overview

Riders

Riders You Can Avail With Birla Sunlife Term Insurance Plans

Riders You Can Avail With Future Generali Term Insurance Plans

But how does it work?

Other Term Insurance Companies

Aditya Birla Term Insurance

Aditya Birla Life Shield Plan (Pros)

Aditya Birla Life Shield Plan (Cons)

Aditya Birla Life Shield Plan (Other Benefits)

Aditya Birla Life Shield Plan (Eligibility Criteria)

ABSLI Poorna Suruksha Kawach (Pros)

ABSLI Poorna Suruksha Kawach (Cons)

ABSLI Poorna Suruksha Kawach (Other Benefits)

ABSLI Poorna Suruksha Kawach (Eligibility Criteria)

Aditya Birla Saral Jeevan Bima (Pros)

Aditya Birla Saral Jeevan Bima (Cons)

Aditya Birla Saral Jeevan Bima (Other Benefits)

Aditya Birla Saral Jeevan Bima (Eligibility Criteria)

Aditya Birla Anmol Suraksha Kawach Plan (Pros)

Aditya Birla Anmol Suraksha Kawach Plan (Cons)

Aditya Birla Anmol Suraksha Kawach Plan (Other Benefits)

Aditya Birla Anmol Suraksha Kawach Plan (Eligibility Criteria)

Aditya Birla Sunlife Digishield Plan (Pros)

Aditya Birla Sunlife Digishield Plan (Cons)

Aditya Birla Sunlife Digishield Plan (Other Benefits)

Aditya Birla Sunlife Digishield Plan (Eligibility Criteria)

Future Generali Term Insurance

Future Generali Care Plus (Pros)

Future Generali Care Plus (Cons)

Future Generali Care Plus (Other Benefits)

Future Generali Care Plus (Eligibility Criteria)

Term Insurance Articles

What Role Does Term Insurance Play in Estate Planning? Apr, 2026

Skydiving and Term Insurance: What You Need to Know? Apr, 2026

In Which Ways Alcohol Use Affect My Term Insurance Claim? Apr, 2026

How to Secure Your Baby’s Future with Term Insurance? Apr, 2026

Top 10 Term Insurance Plans in India Feb, 2026

How Much Cover Do NRIs Need? Feb, 2026

Tata AIA 1 Crore Term Insurance Apr, 2025

5 Crore Term Insurance Calculator Apr, 2025

Solvency Ratio in Term Insurance Sep, 2024

75 Lakh Term Insurance Plan Mar, 2025

ICICI 1 Crore Term Insurance May, 2025

Axis Max Life 1 Crore Term Insurance Apr, 2025

Quick and Free Quick Comparison with Other Insurers

Reviewed By: Naval Goel

No Gimmicks, No Spam. Genuine Advice from an Insurance Expert.

Term Insurance

Insurance Experts

No Gimmicks

Insurance Experts

No Gimmicks

Available Slot

Consult with Expert Advisor

Are you sure you want to exit?

Confirmed

No Gimmicks, No Spam.
Genuine Advice from an Insurance Expert.