Term insurance
Pure life cover. Premium that doesn't sting.
A term plan pays a lump-sum to your family if something happens to you — without mixing investment, so premiums stay affordable.
High cover, low cost
₹1 Cr cover for a healthy 32-year-old non-smoker often costs under ₹15,000/year. Lock in now while you're young.
Critical illness riders
Optional riders for cancer, heart attack, disability — payouts trigger on diagnosis, not just on death.
Tax benefits
Premiums up to ₹1.5L qualify for deduction under Section 80C. Death benefit is tax-free under 10(10D).
Insurers we partner with for term insurance
HDFC LifeICICI PruMax LifeTata AIABajaj Allianz
Get a term quote
Share a few details. An advisor will call you within a few business hours.
Frequently asked
- How much cover do I need?
- A rule of thumb is 10–15× your annual income, adjusted for outstanding loans (home, car) and your kids' future education. We can run the math with you.
- Should I pick return-of-premium plans?
- Usually no — they cost 2–3× more for the same death cover. The 'returned' premium isn't worth the extra outflow vs investing the difference yourself.
- What if I quit smoking after I buy?
- Some insurers re-rate after 3 years smoke-free. We can flag candidates that do — useful if you're planning to quit.