Best term insurance plan

Deal Subedar
Dimers , can you help with the best term insurance plan for 1cr and 2cr coverage?  

I also see there is return of premium option in some plans, but we have to pay a bit more. Is this any good ?
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Benevolent Benevolent
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hdfc or max

Deal Lieutenant Deal Lieutenant
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Hdfc and bajaj in private sector

Deal Cadet Deal Cadet
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Max life is not good? 

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Community Angel Community Angel
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I have policies from aegon. Obviously no claim experience (I wouldn't be writing this comment otherwise 😄). Their claim settlement ratio was very good and premium was competitive. They also offered home medical check up. You can may be check them as well. 

Deal Subedar Deal Subedar
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Thanks for replies,  I see most suggested HDFC.

is it better to take online , if so which site ?

or better to take with bank guys and negotiate price ?

Commentator Commentator
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HDFC/Max (highest claim settlement ratio)
 2 options to buy
  1. online through policy bazaar/official website (most of the times you will get 5% off on 1st year premium)
  2. offline through agent (initial quote maybe expensive - ask them to match the online quote and you can also negotiate to get part of their commissions back)
  do not fall in the trap of money back policies.

Deal Cadet Deal Cadet
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Any day ICICI Prudential

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