What is Term Life Insurance?
Term insurance is the simplest and most pure form of life insurance. It provides high life cover at a very affordable premium. In the unfortunate event of the policyholder's death during the policy term, the nominee receives the sum assured, ensuring that financial goals like children's education or home loan repayment stay on track.
The 1 Crore Benchmark
Considering 6% annual inflation, ₹1 Crore today will be worth much less in 20 years. Choosing a high sum assured is not a luxury—it's a calculated necessity for your family's future security.
Best Term Life Plans
Pure Term Plan
Maximum protection at minimum cost. Large life cover for your family's financial security.
Return of Premium
Get all your paid premiums back if you survive the policy term. No cost for protection.
NRI Term Plans
Special plans for NRIs with tele-medical checkups and high cover options.
Popular Riders & Add-ons
Accidental Death
Additional payout in case of accidental demise.
Critical Illness
Lump sum payout on diagnosis of major diseases.
Waiver of Premium
Policy continues without premiums if disabled.
Terminal Illness
Advance payout on diagnosis of terminal conditions.
Elite Partner Highlights
Star Health Insurance
Renowned for reliable term protection and specialized critical illness riders that provide a solid safety net.
- High Claim Settlement Promise
- Flexible Coverage Tenure
Kotak Life Insurance
Offering some of the most competitive term rates in the market with seamless digital-first claim support.
- Instant Online Issuance
- Special Rates for Non-Smokers
Key Benefits
Affordability
Get ₹1 Crore cover for as low as ₹15 per day. Unmatched value for protection.
Rider Options
Add accidental death or critical illness riders for enhanced security.
Claim Settlement Process
Notification
The nominee informs our dedicated claim assistance desk about the claim event.
Submission
Submit digital or physical copies of death certificate and other base documents.
Fast Payout
After swift verification, the sum assured is credited to the nominee's bank account.
Required Documents for Claim
Frequently Asked Questions
How much life cover do I actually need?
A general thumb rule is 10 to 15 times your annual income. This ensures your family can maintain their lifestyle and payoff debts.
Can I increase my cover later?
Yes, many 'Life Stage' plans allow you to increase cover on marriage or child birth without new medicals.