Beshak
Rating - Insurance Ratings based on stuff that matters to
you!
Compare Term Insurance
Beshak ⭐️ Rating -
See how we score
View detail comparison
Consult & Buy from
India’s Top 5% Experts!
Insuring your future, start here 👉🏻
![advisor-page-male](/_nuxt/img/advisor-page-male.6342486.png)
![advisor-page-female](/_nuxt/img/advisor-page-female.94fbdab.png)
Basic questions
3
What is your professional status?
Salaried
Self-Employed
Unemployed
Whats your age?
Select age
18 years
19 years
20 years
21 years
22 years
23 years
24 years
25 years
26 years
27 years
28 years
29 years
30 years
31 years
32 years
33 years
34 years
35 years
36 years
37 years
38 years
39 years
40 years
41 years
42 years
43 years
44 years
45 years
46 years
47 years
48 years
49 years
50 years
51 years
52 years
53 years
54 years
55 years
56 years
57 years
58 years
59 years
60 years
61 years
62 years
63 years
64 years
65 years
What's your Pincode?
Beshak
Rating - Insurance Ratings based on stuff that matters to
you!
1- Beshak Ratings data was last updated in June 2024.
2- All data was sourced from public disclosures (FY 2023-2024, Q4) except LIC (their FY 2023-2024, Q4 data isn't fully updated, so we have considered their FY 2023-2024, Q3 PD data), insurer websites, and the IRDAI website.
3- Only features that are currently available for purchase online were considered when calculating the Beshak Ratings.
4- In the Premium Ratings, we do not display premium amounts - instead, we show the product's relative pricing compared to the median.
5- Premium for all plans is calculated for the following profile: 30-year-old, non-smoker, married male, for a sum assured of INR 1 Crore, up to the age of 65 years, paying annual premiums, till the end of the policy. Except for these plans:
・Bajaj Allianz Life Diabetic Term Plan Sub 8 HbA1c - Premium is calculated for a 30-year-old, non-smoker, married male, having Type 2 diabetes, with HbA1c level between 6.5 to 7, for a sum assured of INR 1 Crore, up to the age of 55 years, paying annual premiums for 25 years.
・HDFC Life Click 2 Protect Elite - Premium is calculated for a 30-year-old, non-smoker, married male, for a sum assured of INR 2 Crore, up to the age of 65 years, paying annual premiums for 15 years.
・IndiaFirstLife Guaranteed Protection Plus Plan - Premium is calculated for a 30-year-old, non-smoker, married male, for a sum assured of INR 1 Crore, up to the age of 75 years, paying annual premiums for 40 years.
・TATA AIA Maha Raksha Supreme - Premium is calculated for a 30-year-old, non-smoker, married male, for a sum assured of INR 2 Crore, up to the age of 65 years, paying annual premiums, till the end of the policy.
6- The overall ratings do not include the premium rating. This is because we believe that the affordability of premiums is a personal thing. Something that seems unaffordable or expensive to one person could seem cheap and affordable to another, regardless of their income. We leave it up to our users to decide whether the price they pay seems reasonable for the features they receive.
7- The Response time on Twitter (Beta) was calculated using a sample set of tweets from February to August 2023 - (Analyzed in September 2023).
8- Claims Experience was assessed based on an audit of various processes and facilities offered by the insurers, during claim settlement.
Your use of the website shall be governed by the Terms and Conditions and Privacy Policy of our website.