Why Choose Term Insurance?
It's the simplest and most effective financial safety net for your family.
High Coverage, Low Cost
Get substantial life cover at affordable premiums, making it the most cost-effective way to protect your family.
Financial Security
Ensure your family's financial future is secure with a lump sum payout in case of any unfortunate event.
Debt Protection
Cover your outstanding loans and liabilities so your loved ones don't inherit your financial burdens.
Tax Benefits
Save tax under Section 80C for premiums paid and Section 10(10D) for the maturity benefit.
What is Term Insurance?
Term insurance is a type of life insurance policy that provides coverage for a certain period of time or a specified "term" of years. If the insured person passes away during this term, the policy pays a death benefit to the beneficiary.
Unlike other life insurance plans, term insurance is a pure protection plan with no savings or investment component. This allows it to offer significantly higher coverage at much lower premiums compared to endowment or whole life plans.
It is the fundamental building block of any sound financial plan, ensuring that your dependents can maintain their standard of living, pay off debts, and meet future goals like education and marriage even in your absence.
Buyer's Checklist
- Choose a cover at least 10-15 times your annual income
- Opt for a policy term that covers your working years (e.g., up to age 60-70)
- Disclose all medical history honestly to avoid claim rejection
- Consider adding critical illness and accidental death riders
- Review your cover periodically as your lifestyle and responsibilities grow
- Ensure your nominee details are up to date
Key Features
Everything you need to know about Term Insurance policies
Pure Risk Cover
Focuses solely on providing high life cover without any investment component.
Flexible Tenure
Choose coverage duration that matches your working years or financial responsibilities.
Add-on Riders
Enhance coverage with Critical Illness, Accidental Death, and Waiver of Premium riders.
Claim Settlement
High claim settlement ratios ensure your family receives the benefit when they need it most.
Protect Your Loved Ones Today
Get a personalized term insurance quote and secure your family's future with affordable premiums.
Calculate Premium