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LIC Term Plans vs HDFC Life Click 2 Protect. Which is Better?

An honest, fact-based comparison to help you make an informed decision.

LIC: New Tech Term (Plan 954)

Affordable pure life cover, your family gets the money if you're not around

Lowest premium for highest coverageOnline purchase available₹50 lakh+ sum assuredLevel or increasing cover options

How Competitors Compare

HDFC Life: Click 2 Protect Supreme Plus

Strength

Higher CSR (99.68%), increasing SA option up to 200%

Limitation

No government backing, shorter track record

ICICI Prudential: iProtect Smart

Strength

34 critical illness options, fastest claim settlement

Limitation

Complex rider structure, higher base premium

Axis Max Life: Smart Term Plan

Strength

Highest CSR (99.70%), cover up to age 99

Limitation

Smaller asset base than LIC

Claim Settlement at a Glance

Insurer	CSR	Govt Backed	Years
LIC of India	98.62%		70+
HDFC Life	99.68%	—	26
ICICI Prudential	99.30%	—	25
Axis Max Life	99.70%	—	26

Our Verdict

LIC offers the trust of government backing with 65+ years of history. Private insurers offer marginally higher CSR and more online features. For pure protection, compare premiums for your specific age and coverage amount.

Need Help Deciding?

We'll help you choose the right plan based on your specific needs.

This comparison is for informational purposes only. All data sourced from IRDAI reports and official insurer websites. Actual features, premiums, and benefits may vary. Verify with respective insurers before making a decision.