What is term insurance?
Term insurance provides a large life cover for a fixed period at a relatively affordable premium.
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Term and savings plans matched to your income, liabilities, and the people who depend on you.
Ballpark estimate
Ballpark yearly premium for a pure term plan.
₹16,583 – ₹27,908per year
Indicative for a salaried non-smoker in good health. Medicals, occupation and insurer choice all move it. 18% GST extra.
Indicative starting point only, not a quote. Real premiums begin here and go up with age, health, claim history, add-ons, location and insurer underwriting. Your final figure is confirmed only on a formal proposal.
Explore our content to get started on your Life insurance journey.
Term insurance provides a large life cover for a fixed period at a relatively affordable premium.
Learn moreA practical estimate includes income replacement, loans, future goals, and existing life cover.
Learn moreInsurers review age, income, health, tobacco use, occupation, medicals, and disclosures before issuing the policy.
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A high-cover protection plan that pays the nominee if the insured person dies during the policy term.
A term variant that returns paid premiums if the insured survives the policy term, usually at a higher cost.
An add-on that pays on diagnosis of covered serious illnesses, helping with treatment and income disruption.
Additional payout if death occurs due to an accident, often used to strengthen family protection.
We have everything you need to help you get the right life insurance coverage for your needs.

"A practical method using income replacement, liabilities, goals and existing cover - rather than a multiple somebody quoted you."
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"Underwriting decides your premium, your exclusions, and whether the claim gets paid twenty years from now. Here is how it actually works."
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"Critical illness, accidental death, disability and waiver of premium do different jobs. Some are better bought as standalone policies."
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"Almost every repudiated claim traces back to something that happened at the application stage, years before anyone needed the money."
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