Secure Your Family's Financial Future
Term plans and savings-linked life insurance policies — compare cover amounts, premiums and claim settlement ratios before you buy.
Overview
Why life insurance matters more than you think
Life insurance isn't just a financial product — it's a promise that your family's goals, from a child's education to a home loan, stay protected even if you're not around to fund them. Term insurance, in particular, offers the highest cover for the lowest premium of any life insurance product.
Care Health
HDFC ERGO
ICICI Lombard
Axis Max Life
TATA AIG
Star Health
Benefits
What you get with a life insurance plan
High Cover, Low Premium
Term plans offer large sum assured at a fraction of the cost of traditional policies.
Tax Benefits
Premiums and payouts qualify for tax benefits under Sections 80C and 10(10D).
Riders Available
Add critical illness, accidental death and disability riders for extra protection.
Flexible Payout Options
Choose lump sum, monthly income, or a combination for your nominee.
Compare
Life Insurance plan types at a glance
A quick look at the most common life insurance plan structures available in India.
| Plan Type | Typical Sum Assured | Best For | Maturity Benefit | Premium Range |
|---|---|---|---|---|
| Term Insurance | ₹50L – ₹2Cr+ | Pure protection, income replacement | No | Lowest |
| Whole Life Plan | Varies | Lifelong cover with maturity benefit | Yes | High |
| ULIP | Market-linked | Insurance + investment combined | Yes | Medium-High |
| Endowment Plan | Varies | Guaranteed savings + life cover | Yes | Medium |
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FAQs
Life Insurance — frequently asked questions
Term insurance is a type of life insurance that offers pure protection with no maturity benefit, while 'life insurance' broadly includes term, whole life, ULIP and endowment plans, some of which combine protection with savings.
A common rule of thumb is 10–15 times your annual income, adjusted for outstanding loans, dependents and long-term goals like children's education.
Claim settlement ratio is the percentage of claims an insurer has paid out against claims received in a year. A higher ratio generally indicates a more reliable claims process.
Many insurers offer term plans up to a certain sum assured without a mandatory medical test, based on your age, health declaration and cover amount, though this varies by insurer.
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