Term Insurance
Pure Term Plan
High cover, low cost
Return of Premium Plan
Money back on survival
Term + Wealth Plan
Protect and grow
Increasing Cover Plan
Cover that grows
₹2 Cr Term Plan
Big cover, bigger peace
NRI Term Plan
Global cover, Indian trust
Term for Housewives
Her care, her cover
Term for Working Women
Secure her success
Couple Term Plan
Two lives, one promise
Health Linked Term Plan
Life + illness cover
Group Term Life
One plan, all protected
Two crore of cover — what it takes to be approved for it, and what it actually costs.
The most cover per rupee available anywhere — nothing back if you survive, which is precisely the point.
Term cover that refunds your premiums if you survive — and costs two to three times as much for it.
Today Protected. Tomorrow Stronger.
More than Policies A Partner for Life
| Plan |
₹2 Cr Term Plan
|
Pure Term Plan
|
Return of Premium Plan
|
Term for Housewives
|
|---|---|---|---|---|
| Best for | Big cover, bigger peace | High cover, low cost | Money back on survival | Her care, her cover |
| Premium from* | ₹18,000 | ₹9,000 | ₹24,000 | ₹6,000 |
| Rating | 4.6 | 4.8 | 4.0 | 4.2 |
| Details | View | View | View | View |
*Indicative starting figures; the final terms depend on your profile.
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Broadly fifteen lakh a year or more, though insurers differ and the multiple applied varies with age — younger applicants are generally allowed a higher multiple of income. You will need filed returns or Form 16 to demonstrate it.
It depends entirely on your liabilities. For a household with a metro home loan, two children in private school and one earner, it is often a realistic figure rather than a generous one. For a young single earner with no dependants and no debt, it is more than the need justifies.
Because a large part of an insurer's cost is fixed per policy rather than per rupee of cover. Spreading that across a larger sum assured reduces the cost per lakh, which is why doubling cover rarely doubles the premium.
Almost certainly, and a full one. At this sum assured, insurers examine both health and finances closely. That thoroughness works in your family's favour later — a well-underwritten policy is a policy that is harder to contest.
Consider who receives it. A lump sum offers flexibility and assumes financial confidence. A staggered monthly income protects a family that would find managing a very large sum difficult. Many buyers choose a partial lump sum to clear the loan, with the balance as income.
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