Term Life Insurance
A payout for your family if the worst happens.
Term insurance pays a fixed sum to your family if you die during the policy term. It's the simplest and most affordable way to protect the people who depend on your income.
Large cover, low premium
Pure protection, with no investment element to pay for.
Fixed premium
Locked in at the start, for the whole term.
Tax benefits
Premiums may qualify under Section 80C, and payouts are generally tax-free.
How it works
- 01
Share a few details
Who and what you want covered.
- 02
Compare with an advisor
We walk you through plans that fit, and what each one covers.
- 03
Buy with confidence
We help with the proposal and stay around for claims.
Good to know
- Best bought young, when premiums are lowest
- A common rule of thumb is cover of 10–15 times your annual income
- Declare tobacco use honestly — it affects claims
What you'll need
- Income proof
- PAN and Aadhaar
- A medical check-up, for some covers
Questions people ask
What happens if I outlive the policy?
A standard term plan pays nothing at maturity — that's what keeps it affordable. Some plans offer a return of premium for a higher price.
How long should the cover last?
Until your dependants no longer rely on your income — often until retirement.