Bajaj Allianz eTouch II or Axis Max Life STPP | *HONEST* Term Insurance Comparison | Ditto Insurance скачать в хорошем качестве

Bajaj Allianz eTouch II or Axis Max Life STPP | *HONEST* Term Insurance Comparison | Ditto Insurance

Want FREE & Expert Insurance Advice? Book a FREE call with Ditto for Health and Term Insurance advice - https://ditto.sh/c0l384 Choosing between Bajaj Allianz Life Insurance and Axis Max Life Insurance? Comparing eTouch II and STPP (Smart Term Plan Plus)? Confused which term insurance is actually better for you? In this video, we break it all down. Bajaj Allianz E-touch II – Comprehensive Review: https://joinditto.in/articles/life-in... Axis Max Life Smart Term Plan Plus (STPP) Customised Review: https://joinditto.in/articles/life-in... Both Bajaj Allianz Life Insurance and Axis Max Life Insurance have solid reputations. Both their term life insurance plans — eTouch II and STPP — promise return of premium options, critical illness riders, flexibility, and solid claim settlement records. But once you dig deeper, the differences become clear. In this video, we compare: Claim settlement ratios Premium differences Early exit benefits (Zero Cost Exit vs Special Exit) Flexibility of variants Riders like Critical Illness and Waiver of Premium Solvency ratios Complaints per 10,000 claims Unique features of each plan Here’s what we found: Axis Max Life Insurance STPP gives you 7 variant options: Regular Cover, Smart Cover, Rebalancing Cover, Return of Premium, Whole Life Cover, and Income Protection. But for most buyers, Regular and Smart Cover are the most relevant. You also get Special Exit — a feature allowing you to exit after 30 policy years and get premiums back (subject to some restrictions). And yes, the 2X Special Exit feature is being phased out following IRDAI’s direction. Bajaj Allianz Life Insurance eTouch II, on the other hand, keeps it simple. It offers Zero Cost Exit — after 60, you can walk away with all your premiums back, no complicated criteria. And for long-term, limited-pay buyers, it even promised 2X premium return (also being phased out soon). You also get fewer confusing variants, making it easier to choose. Not a huge difference, but once you scale up to ₹2 crore or ₹3 crore cover, Bajaj Allianz Life Insurance becomes more price-efficient thanks to additional discounts — 5% for salaried, 5% for new life insurance buyers, and 6% online discount. Axis Max Life Insurance offers a chunky 15% salaried discount, but only in year one. Rider comparison? Both plans offer Critical Illness Riders, Accidental Death Riders, and Waiver of Premium Riders. But Axis Max Life Insurance covers up to 64 illnesses, while Bajaj Allianz Life Insurance covers up to 60. BALIC also introduces a Family Protect Rider, paying lifelong income to parents if the life assured dies — a niche but thoughtful feature. Solvency? Bajaj Allianz Life Insurance leads with a massive 5.1x solvency ratio vs Axis Max Life Insurance’s 2x. Complaints? BALIC edges out again with 4.4 per 10,000 claims vs Axis’s 7–8. From claim payout speed to optional add-ons to early exit flexibility, there’s a lot under the hood in this term insurance comparison. Bottom line? Choose Bajaj Allianz Life Insurance eTouch II if you want simplicity, cleaner early exit options, and no need to navigate too many variants. Choose Axis Max Life Insurance STPP if you love customizing, want niche covers, or like the Smart Cover variant’s boosted coverage early in the term. Timestamps : 0:00 – Introduction of Bajaj Allianz eTouch II and Axis Max Life STPP 0:43 – Comparison between Bajaj Allianz eTouch II and Axis Max Life STPP 1:46 – Coverage Structure between Bajaj Allianz eTouch II and Axis Max Life STPP 2:35 – Plan Flexibility between Bajaj Allianz eTouch II and Axis Max Life STPP 3:38 – Premiums between Bajaj Allianz eTouch II and Axis Max Life STPP 4:27 – Riders of Bajaj Allianz eTouch II and Axis Max Life STPP 4:53 – Claim Experiences between Bajaj Allianz eTouch II and Axis Max Life STPP 5:31 – Conclusion between Bajaj Allianz eTouch II and Axis Max Life STPP Still not sure which one suits you better? No worries. Book a free call with Ditto’s expert advisors—we’ll help you make a decision that’s right for your life, needs, and wallet - https://ditto.sh/c0l384 Connect with Us: Follow us on Instagram:   / joinditto   Follow us on LinkedIn: https://www.linkedin.com/company/ditt... Tweet us your questions: https://x.com/joinditto Happy Insurance Hunting!