Pure Protection for Your Family's Future.
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Why Term Insurance is Important
Term insurance is one of the simplest and most affordable ways to protect your family's financial future.
High Cover, Low Premium
Offers a large sum assured at a relatively affordable premium — ideal for young families.
Family Financial Security
In the event of the policyholder's death during the term, the sum assured is paid to the nominee.
Tax Benefits
Premiums paid for term insurance may qualify for tax benefits, subject to conditions.
Replace Income
Helps replace lost income so your family can continue to meet daily expenses.
Affordable Premiums
Pure protection term plans typically have lower premiums than savings-linked plans.
Choice of Term
Choose a policy term that matches your needs — short-term or long-term protection.
Term Insurance — Frequently Asked Questions
Answers to the most common questions about term insurance.
Term insurance is a pure life cover that pays the sum assured to your nominee if you pass away during the policy term.
Standard term plans are non-refundable. However, TROP (Return of Premium) plans refund premiums if you survive the term.
Some insurers allow an increase via life-stage or top-up options. Availability depends on the plan and insurer.
Riders are add-ons like accidental death, critical illness, or waiver of premium that enhance your base cover.
Yes. Smokers pay significantly higher premiums. Quitting for 12+ months can help you get non-smoker rates.
Most term plans offer a 15–30 day grace period. If unpaid, the policy lapses and cover stops.
Yes, many insurers offer term plans to NRIs with specific documentation.
Not always. Low sum assured may not require tests, but higher cover usually does.
Usually up to 60–65 years, with cover up to age 75–85 depending on the plan.
Yes. You can hold multiple policies and claim from each, subject to insurer norms.
It pays a lump sum if you are diagnosed with a listed critical illness, independent of the base cover.
You can appoint an appointee to receive the money on behalf of the minor nominee.
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