Life Secure Plan vs Isecure More Term Insurance Plan 2026 | PolicyX

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Bajaj Life Secure is an advanced term insurance plan that offers protection till your 100th birthday. This plan is a non-linked and non-participating individual, life, limited premium payment whole life-saving plan. Life Secure Plan offers flexible premium payment terms with a plan customization option. This is a whole life plan that offers term cover with 3 plan options comprehensively covering accidental death, and critical illness depending on the policyholder's choice. There are three plan options: Death Benefit, Death Benefit + Accidental Death Benefit, Death Benefit + Accidental Death Benefit + Waiver Of Premium Benefit.

Bajaj Life Secure Plan offers you a range of benefits including:

  • Life cover up to the age of 100 years.
  • Tax Benefit
  • High sum assured rebate.
  • Additional riders to choose from
  • Death benefits
  • Attractive premium rates for female lives.
PLAN DETAILS

Life Secure Plan

Isecure More

Premium Including GST
Key Features
(Key features of the plan)
  • 3 Plan Options
  • Critical Illness Benefit
  • Waiver Of Premium
  • Flexible Policy Tenure
  • Option to Avail Joint Life Cover
  • High Sum Assured Rebate
Plan Maturity age Maximum Maturity Age - Whole life Maximum maturity age- 70 years
Plan Sum Assured Base sum assured: No limit Base sum assured- Rs 2.5 lakh to No limit
Plan Entry Age Minimum Age - 25 years Maximum Age - 55 years Minimum age- 18 years, Maximum age- 60 years
Plan Payment modes Annual, half-yearly, quarterly & monthly Yearly, half-yearly, quarterly, and monthly
Plan Policy loan The policy loan is not available under Bajaj Life Secure Plan. A policy loan is not available under the Bajaj iSecure More Plan.
Plan Sample Premium Rs 670/- per month Rs 730/- per month
Plan Brochure Brochure URL Brochure URL
Policy Term 100 minus Entry Age Minimum policy term- 10 years, Maximum policy term- 25 years
Claim Settlement Ratio (2024-25) 99.33% 99.33%

* 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.

Riders

Riders You Can Choose With Bajaj iSecure More 

You can choose the following rider options with your Bajaj iSecure More Plan to enhance your plan coverage.

Bajaj Accidental Death Benefit Rider

Rider benefits are paid to the nominee in case of the policyholder’s unfortunate death due to an accident during the policy tenure. 

Bajaj Accidental Permanent Total/ Partial Disability Benefit Rider

In case of accidental permanent total/ partial disability, the applicable rider sum assured is paid to the policyholder. 

Bajaj Waiver of Premium Rider

This rider waives off all your future premiums in the following circumstances: (i) death (ii) diagnosis of any of the 11 critical illnesses mentioned in the rider brochure (iii) accidental permanent total disability

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