Life Secure Plan vs Zindagi Protect 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

Zindagi Protect

Premium Including GST
Key Features
(Key features of the plan)
  • 3 Plan Options
  • Critical Illness Benefit
  • Waiver Of Premium
  • 6% Discount on Premiums
  • Child Future Protect Benefit
  • Premium Break Benefit
Plan Maturity age Maximum Maturity Age - Whole life Maximum Maturity Age - 100 years
Plan Sum Assured Base sum assured: No limit Base sum assured: Rs 50 lakhs to 1 crore
Plan Entry Age Minimum Age - 25 years Maximum Age - 55 years Minimum Age: 18 years, Maximum Age: 65 years
Plan Payment modes Annual, half-yearly, quarterly & monthly Annual, half-yearly, quarterly & monthly
Plan Policy loan The policy loan is not available under Bajaj Life Secure Plan. Policy loan is not available under the Zindagi Protect Plan.
Plan Sample Premium Rs 670/- per month Rs 568-/ per month
Plan Brochure Brochure URL Brochure URL
Policy Term 100 minus Entry Age Minimum term - 5 years Maximum term - 100 years
Claim Settlement Ratio (2024-25) 99.33% 99.29%
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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.

Riders

Riders Associated with Edelweiss Life Zindagi Protect

You can add the following riders to your Edelweiss Life Zindagi Protect:

Edelweiss Life Accidental Death Benefit Rider

In case of the policyholder’s demise due to an accident, benefits are paid to the nominee.

Edelweiss Life Critical Illness Rider

Under this rider, you will be paid an immediate lump sum amount upon the diagnosis of any of the listed 12 critical diseases, including cancer and brain tumour. This immediate lump sum helps manage treatment expenses.

Edelweiss Life Waiver of Premium Rider

Under this rider, all future premiums of your ongoing term plan will be waived off if you are diagnosed with any of the listed 12 critical diseases or become physically disabled due to an accident during the policy term.

Edelweiss Life Accidental Permanent Total/Partial Disability Benefit Rider

Under the accidental disability rider, benefits are offered in case of the policyholder’s disability or demise due to an accident.

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