2. ICICI Pru I-Care II Term Insurance: ICICI Pru I-Care II Term Insurance ensures to protect your family’s future by making their life comfortable and easy to live even at your absence. It is an online term policy plan that offers high insurance cover, also offering affordable premiums. 

It is second with a ratio of 94.10 percent in terms of life and death claim settlement. The minimum age limit of the policy holder is 18 years and the maximum is 60 years. The term to hold the policy ranges 5 to 30 years.

3. HDFC Click 2 Protect Plus Term Insurance: HDFC Click 2 Protect plus Term Insurance gives a large amount of cover for low premiums. It provides policy terms of 10 to 40 years. It offers attractive premium rates for non-tobacco users.

It is the third highest life death claim policy with a ratio of 94.01 percent. To hold this policy the entry level age is 18 years to 65 years.

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