A term plan pays your family a large sum if something happens to you — for a premium far smaller than you'd expect. We shortlist insurers by claim record, not commission.
Term insurance is the cheapest way to secure a large payout — often a few thousand rupees a year for ₹1 crore.
We rank insurers by claim settlement ratio and amount-settled ratio, so your family isn't left fighting later.
Add critical illness, accidental death or waiver-of-premium riders only where they genuinely help.
Premiums qualify under Section 80C and the payout is generally tax-free under 10(10D).
The earlier and healthier you buy, the lower your premium stays for the entire term.
Choose a lump sum, a monthly income for your family, or a mix — whatever suits them best.
Not sure which one suits you? That's exactly what our free call is for.
Maximum cover at the lowest premium. Pays out if you pass away during the term.
Most families
Get your premiums back if you outlive the policy term.
Want money back
Cover that grows over time to keep pace with your income and responsibilities.
Young earners
A base term plan strengthened with critical-illness or accidental-cover riders.
Extra protection
Talk to IRDAI-certified advisors who get paid to help you — not to push a product. No call-centre scripts, no endless follow-ups.
From shortlisting to medicals to policy issuance, we stay with you end-to-end so nothing falls through the cracks.
When you need to claim, our team helps you file, follow up and get paid — for as long as you hold the policy.
A common rule is 10–15 times your annual income, adjusted for loans and goals like your children's education. We'll calculate a number that genuinely protects your family.
Ideally until you retire or your dependents become financially independent — usually age 60–65. Covering beyond that often just adds cost.
Pure term gives the most cover per rupee. Return-of-premium costs more for the same cover but refunds premiums if you survive. We'll show the maths for both.
The biggest reason claims fail is non-disclosure. We make sure you declare health, income and habits correctly at the start, so your family's claim is honoured.
Yes — premiums are deductible under Section 80C, and the death benefit is generally tax-free under Section 10(10D), subject to prevailing tax rules.
Book a free, no-obligation call. We'll help you choose the right cover — and nothing you don't need.