Term Insurance

Pure protection at the lowest premium. Get up to ₹2 Crore term insurance cover from just ₹500/month.

Insurance

Maximum cover at minimum premium

A term plan is the cheapest and most efficient form of life cover. You pay a small premium, and your nominee receives a lump-sum payout if anything happens to you during the policy term. Pure protection — no investment, no confusion.

Cover up to ₹2 Cr at ~₹500/month
Premium locked-in for entire term
Critical illness & accidental rider options
Tax benefit under 80C & 10(10D)
Higher claim settlement ratios from top insurers

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Plan Types & Features

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Pure Term

Lump-sum payout to nominee on death during term.

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Increasing Cover

Cover automatically rises with inflation/age.

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Return of Premium

Get all premiums back if you survive the term.

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With Critical Illness

Lump-sum payout on diagnosis of major illness.

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Accidental Death

Additional benefit on accidental demise.

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Joint / Spouse Cover

Single policy covering both partners.

FAQs

Ideally 10–15× your annual income plus all outstanding loans. We calculate the exact figure during your free consultation.

Because it's pure risk cover — no savings or investment component. You only pay for the death benefit.

It's the % of claims an insurer settles vs received. We recommend insurers with 95%+ ratio for the past 3 years.

Yes, most plans allow you to increase cover at major life events like marriage, child birth or new home loan.