Aajeevan Suraksha Plan vs Smart Term Edge Plan Term Insurance Plan 2026 | PolicyX
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The PNB Metlife Aajeevan Suraksha Term Plan offers comprehensive whole life coverage up to age 99, with flexible premium payment options and the ability to include a spouse under a joint life cover. Policyholders can choose from various benefit options li
PLAN DETAILS

Aajeevan Suraksha Plan

Smart Term Edge Plan
Premium Including GST
Key Features
(Key features of the plan)
  • Flexible Premium Payment
  • Joint Life Cover
  • Whole Life Cover
  • Reduced Paid Up Benefit
  • Death Benefit
  • Surrender Benefit
Plan Maturity age Maximum Maturity Age - 99 years Maximum Maturity Age - 75 years
Plan Sum Assured Basic Sum Assured: From ₹25 Lakhs (no upper limit) Basic Sum Assured: Rs. 25 Lakhs to no limit
Plan Entry Age Minimum Entry Age: 18 years, Maximum Entry Age: 45 years Minimum Age - 18 years Maximum Age - 60 years
Plan Payment modes Yearly, half-yearly & monthly Yearly, half-yearly & monthly
Plan Policy loan The policy loan is not available under PNB Metlife Aajeevan Suraksha Plan. The policy loan is not available under HDFC Life Smart Term Edge Plan.
Plan Sample Premium Rs 510-/ per month Rs 689-/ per month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum Policy Term: 10 years, Maximum Policy Term: 99 years Minimum term - 12 years Maximum term - 30 years
Claim Settlement Ratio (2024-25) 99.57% 99.68%
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* The above sample premiums are for a 30-year-old male, nonsmoker with a sum assured of Rs 50 lakhs and a policy tenure of 25 years. You can calculate the premiums for the above term insurance plans using the PolicyX Term Insurance Calculator.

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