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World of Software > Gadget > 10 Best ₹1 Crore Term Insurance Plans According to Online Calculators
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10 Best ₹1 Crore Term Insurance Plans According to Online Calculators

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Last updated: 2025/12/31 at 10:41 AM
News Room Published 31 December 2025
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10 Best ₹1 Crore Term Insurance Plans According to Online Calculators
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The selection of a good term insurance plan often seems to be puzzling for a large group of people. There are so many plans, so many features, and so many prices. However, today things have pretty much become easier. You can check the premium of any plan online in seconds. You just need a term life insurance calculator, and it will tell you how much you need to pay every month or year. If you are looking for big life cover, then 1 crore term insurance is one of the most popular choices in India. It is easy to buy, simple to understand, and helps protect your family from big financial problems. The best part is that online premium calculators help you find the best plans within your budget.

In this simple guide, we are going to talk about the 10 best ₹1 crore term insurance plans online calculators point out. We are also going to explain why these plans are popular and what makes them a good option for your family’s safety.

Let’s start.

Why Choose a ₹1 Crore Term Insurance Plan?

Before going into the best plans, it’s good to understand why people prefer a ₹1 crore cover. Here are some simple reasons:

  • It gives your family strong financial protection.
  • It helps your family meet big expenses related to home loans, education, and other daily needs.
  • It is affordable, especially if it is bought at a young age.
  • It makes long-term planning easy.

The most important thing is that the online tools, like term life insurance calculators, enable you to compare the premiums of different companies in a few seconds and save your time for choosing the best option.

Top 10 Best ₹1 Crore Term Insurance Plans (From Online Calculators)

Here are ten of the most trusted and budget-friendly plans people choose online. All of these show good premium results when checked through calculators.

1. LIC Tech Term Plan

LIC is among the most trusted insurance companies across the country. Its Tech Term plan has gained popularity due to:

  • It provides pure protection.
  • It offers flexible payout options.
  • It gives high claim settlement trust.

The premium for ₹1 crore, when checked on online calculators, is more than private insurers, but people do opt for it due to reasons of reliability.

2. HDFC Life Click 2 Protect Super

This is one of the most flexible, modern term plans.

  • Many options for customization
  • Life-long protection choices
  • Rider options for extra safety

Online calculators illustrate that this plan indeed provides an effective balance between the premium and the benefits.

3. ICICI Prudential iProtect Smart

This plan is popular amongst young earners.

  • Covers terminal illness
  • Optional critical illness benefits
  • Record of high claim settlement

As per online premium tools, this plan provides competitive pricing for 1 crore term insurance.

4. Max Life Smart Secure Plus Plan

Many online calculations show that this plan often gives one of the most affordable premiums.

  • Long coverage to age 85 or even above
  • Return of premium option
  • Accident cover options

It is ideal for people who want more benefits at a simple cost.

5. Tata AIA Sampoorna Raksha Supreme

This plan is highly rated by online calculators when it comes to the pricing and its features.

  • Long-term security
  • High financial rating of the company
  • Flexible payout options

Many families invest in this due to its reliability and satisfactory customer service.

6. Bajaj Allianz Life Smart Protection Goal

This plan gives a good balance between affordability and features.

  • Accidental death coverage
  • Refund of premiums option
  • Attractive online premium rates

If you are looking for an affordable yet reliable ₹1 crore cover, this plan often appears in the top results.

7. SBI Life eShield Next

SBI Life is trusted by lakhs of people across India.

  • Simple and straightforward plan
  • Many benefit options
  • Strong brand reputation

Online calculators suggest this plan has mid-range premiums for a ₹1 crore cover.

8. Kotak e-Term Plan

This is one of the simplest, cleanest term insurance plans anyone will ever understand.

  • Pure protection plan
  • Easy online process
  • Stable pricing

Premium tools show that Kotak generally offers an economical rate to the young working professional.

9. Aditya Birla Sun Life DigiShield Plan

This plan is known for offering 10 different protection options.

  • Good flexibility
  • Added protection features
  • Attractive premium rates

This is usually strong in calculator comparisons if you want customisation.

10. Reliance Nippon Life Term Life Plan

A budget-friendly option that shows up in most online comparisons.

  • Simple structure
  • Good payout options
  • The premium is lower for younger buyers.

This plan is ideal for people looking for ₹1 crore cover at minimum cost.

How Online Calculators Help You Compare These Plans

A calculator for term life insurance is a very straightforward thing to use. You just have to enter:

  • Your age
  • Your income
  • Your smoking status
  • Your desired cover, in this case ₹ 1 crore
  • Your policy duration

The calculator then displays premiums from various companies. It serves to:

  • Compare premium costs: You can easily compare the costs of premiums and see at once which company is offering the lowest price for the same cover.
  • Check what each plan offers: Some plans may have lower premiums but have fewer features. Others may have more features but will also have higher premiums. A calculator shows all in one place.
  • Save time and effort: You don’t have to go through different websites. You get everything on one screen.
  • Make informed, confident decisions: When all the numbers are clear, you are confident that you have made the right choice.

Factors that change your ₹1 crore term plan premium

When you compare premiums online, you may find that different companies quote different premiums for the same coverage. This occurs because:

  • Age plays a big role: younger people pay less.
  • Smokers are charged a higher premium than non-smokers.
  • Longer policy duration increases the premium.
  • Additional riders, such as critical illness or accidental cover, also raise the cost.
  • Health conditions can increase or reduce your premium.

That is why using a calculator is helpful, as it gives the exact number based on your details.

How to pick the best ₹1 Crore Term Insurance Plan 

Here are some easy tips: 

  • Check the claim settlement ratio: This shows how many claims the company pays out. Higher is better. 
  • Premium affordability verification: Choose a plan according to your monthly or yearly budget. Check the features: you really need More features equate to a higher premium. Choose only what you need.
  • Compare online: Always compare before buying using a term life insurance calculator.
  • Opt for long-term cover: Try to take coverage till at least age 70 or 80. 

Conclusion 

A term insurance plan of 1 crore can be one of the best financial decisions to ensure long-term security for any family. Comparing these plans is pretty easy with the help of online calculators. You can check out premiums, features, and benefits in minutes. The above ten plans are the most trusted and most opted for plans in India, as they provide good features, their premiums are also affordable, and the protection is good. First, start by using a term life insurance calculator. If you want peace of mind and a safe future for your family, see which ₹1 crore plan best fits you. Even a small step today can give huge protection to your loved ones tomorrow.







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