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Term Insurance

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Applicant Information

Name
Age
Mobile
Email
City
Annual Income

LifeCover Details

Cover Amount
Cover For
Smoker
Renewal

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Final Step

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Types of Term plans

Pure Term

This option gives a lump-sum amount of Sum Assured at the time of Death of the insured person.

Whole Life

This is a pure term plan covers you all through your life. Term of this plan is equal to span of your life.

Term - Return of Premium

This option gives the premium back in case the Insured person survives the Policy Term.

Term - Lumpsum + Monthly Payout

This option gives the a lump-sum Sum Assured at the time of death if the insured person + a monthly income for specified term of years will also be paid.

Term - Lumpsum + increasing Monthly Payout

This option gives the a lump-sum Sum Assured at the time of death if the insured person + monthly income will increased every year.

Add-ons

Critical illness Rider, Waiver of Premium Rider, Accidental death Rider, Permanent disability Rider.​

Benefits of Term Plan

Low premium, High cover is offered.

Tax saving.

Right protect for family in case of your unfortunate and sudden demise

Why and When to take a Term plan ?

Term plan is a must buy insurance, If you have people dependent on you and your earnings, you want insurance to give them amount more or less equal to your salary or annual income, even after your death. Taking it while young and healthy is a good idea, because, the younger the age and healthy you are, lower will be the premium. Premium remains same all through the policy term (Service tax may vary).

Spouse and children can be added later as Nominees or beneficiaries in the insurance contract.

How much amount of cover to take ?

The amount of life insurance you need depends on number of dependents on you and your earnings. Cover you are eligible is given as multiples of annual income, higher the income higher the cover you can take.

Take these into consideration while choosing Term insurance

  • Amount immediately required by your family after your death.
  • Amount more or less equal to annual salary should be given to dependents.
  • How long would your dependents need support.
  • Amount immediately required by your family after your death.
  • Money that you would like to leave for your nominees spouse retirement or child’s education and marriage.