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Need a protection plan? Look no further! This plan aims to give you and your family financial security in an easy way.
With IndiaFirst Life Elite Term Plan, you not only fulfil your commitment, but also ensure that money is the last thing your family have to worry about. IndiaFirst Life Elite Term Plan is a pure protection plan that ticks everything off your checklist.
Have you heard of a plan that not only gives you a life cover but also helps in wealth creation? Enjoy 2 benefits in 1 plan with IndiaFirst Life Radiance Smart Invest Plan.
Make your golden years truly golden! Invest in the Guaranteed Pension Plan that is designed to guarantee an income for as long as you live.
How people have benefitted from IndiaFirst Life
From the onboarding process to the comprehensive medical tests, IndiaFirst Life ensured a hassle-free journey for me. The features of the plan I purchased are as per my expectations, providing me with peace of mind for future.
Mohit Agarwal
(Mumbai, 21st March 2024)
How people have benefitted from IndiaFirst Life
Buying IndiaFirst Life's life-insurance policy was a pleasant experience for me. The hassle-free nature of interaction with the company's representative was a boon and so was the inclusion of must-have features in their policy plans.
Satyam Nagwekar
(Mumbai, 22nd March 2024)
How people have benefitted from IndiaFirst Life
IndiaFirst Life's Radiant Smart Invest Plan has completely won me over! It's like having a trusted ally in my financial journey. With its flexible fund switch options, I've been able to craft my investments just as I envisioned. In just a year, I've seen a remarkable 20% return on my investments! The support from the onboarding team has been absolutely fantastic, making me feel truly cared for and supported.
Paulomi Banerjee
(Kolkata, 21st March 2024)
IndiaFirst Life Insurance Company Limited (IndiaFirst Life) is one of the fastest-growing private life insurers in India, offering products that cater to the unique needs and aspirations of each individual. Our commitment to technology enhances the online life insurance buying experience, making it straightforward and efficient. The robust support from Bank of Baroda and Union Bank of India establishes us as a trusted life insurance company in India.
Every individual, irrespective of age, occupation or marital status, should buy life insurance. Life insurance provides financial security. It can also grow your savings to fulfill future aspirations.
Young working professionals can buy life insurance at an early stage to benefit from low premiums. This will help them fulfill their responsibilities that come with growing older.
Newly married couples will eventually have children and other financial obligations. If they buy life insurance early, it will help them fulfill their responsibilities with ease.
Young parents know that children are an investment. Life insurance can help them cope with all future expenses such as their higher education, marriage and others.
Individuals with dependants such as aging parents, unmarried siblings, or physically or mentally challenged children must buy life insurance for their financial security.
People with debts who have taken loans can protect their family from the burden of repayment with life insurance.
People approaching retirement can have their post-retirement expenses taken care of with the income earned from life insurance.
The life insurance premium amount is determined basis the following:
Age: The best life insurance policy is taken when you are young as you are healthy and expected to live longer. This makes you less of a liability to the insurer and you benefit from a lower premium payment.
Gender: Scientific and statistical data prove that women outlive men by approximately 5 years. This increases their life insurance policy tenure, giving them the benefit of lower premiums.
Medical history: Any prior illness or family history of certain genetic medical conditions could warrant a higher premium payment. To get the best life insurance policy, the insurer may subject you to a medical test.
Lifestyle choices: A stressful lifestyle that includes alcohol and tobacco can impact your life insurance premium.
While life insurance is an absolute must to safeguard your family's financial security, it is important to consider these factors when purchasing a policy.
Take a cover you can afford: Life insurance cover is proportionate to premium paid - the higher the premium, the more the cover. Before arriving at this figure, consider all other household expenses and debts. Ensure that you can afford the premium payment for the entre policy term as a missed payment can affect your life cover.
Policy tenure: The sum assured should be sufficient to finance your family's future expenses, such as children's education, healthcare for aging parents, as well as provide a steady source of income for daily needs. Choosing life insurance with the maximum tenure will ensure long term financial security.
Compare plans: Different insurance companies offer different life insurance products. Compare different plans based upon their offerings, benefits, claim settlement ratio, life insurance claim settlement process and ease of purchase and renewal. Choose a reputed company and beware of spurious ones online.
Be honest with your facts: If you suffer from any pre-existing medical condition or life-threatening lifestyle habits, disclose it during policy purchase as every insurance company in India rejects a life insurance claim settlement that is fraudulent.
Claim settlement: Check the claims payment process and settlement ratio, to prevent your family's emotional and financial stress during the life insurance policy claim. A consistently good ratio is a good indicator of the life insurance company's willingness to pay.
A life insurance company in India offers many options and you will find a life insurance plan that best meets your needs
Term insurance: Term insurance is an affordable pure risk coverage life insurance plan that protects your future earning power and your family's financial security in the event of an accident, illness or death by natural causes. If you die before the policy term ends, your beneficiaries receive the sum assured as a death benefit.
Endowment plan: Endowment offers the double benefit of life insurance and savings, along with a certain level of guaranteed returns. It is ideal for building a corpus for future needs. If the insured survives the policy term, the maturity amount is paid. If not, the beneficiary receives the sum assured as a death benefit.
ULIP: ULIP (Unit Linked Insurance Plan) is a form of life insurance that provides life cover, while growing your wealth through market-linked investments. ULIP offers customized options that can evolve to your needs.
Retirement Plan: Retirement Plan gives life cover and helps build a corpus to fund your retirement expenses, which makes it a good life insurance for senior citizens.
Annuity Plan: A type of retirement plan, in which the insurer takes a lump sum premium, invests it, and pays you back higher returns as a regular income.
Child Plan: Child Plan life insurance cum investment plan helps build a corpus for your child's future requirements. In case of your death, the child receives the sum assured as a lump sum or in installments.
A life insurance policy is the best financial protection plan as it offers several benefits.
Financial security: If you purchase a sizeable life cover, it will be paid as a lump sum death benefit to your dependants, in case of your accidental death. This can help them live comfortably, especially if they do not have a source of income and have young children or aging parents.
Wealth creation: Some life insurance plans offer the double benefit of investment plus insurance. The insurer invests a portion of the premium payments in equity funds to grow your funds, while the rest goes towards life cover.
Protection for every life stage: Whether it is financial security for your children's future, a steady source of income post the breadwinner's death, retirement planning or simply long-term savings, there is a life insurance policy for every need.
Tax savings: Section 80C of the Income Tax Act makes the premium payments tax-free, which reduces your taxable income. Furthermore, Section 10(10D) ensures that the pay-outs also remain tax-free. These tax laws make life insurance a worthy investment.
Retirement planning: Your work life may end, but your living expenses will still continue. A retirement life insurance policy offers coverage plus a steady source of income which can fund daily expenses, set up a small business or be reinvested in other financial instruments.
Safe investment: Financial products that offer market linked returns are subject to market volatility, which makes them risky. Life insurance, however, offers you assured benefits in exchange for premium payments.
Loan options: In case of an unexpected financial crisis, life insurance lets you borrow from the sum assured, depending on the policy terms and conditions.
Riders: Riders are additional benefits that you can purchase to make your life insurance policy stronger. Riders protect you from uncertainties such as critical illness, accidental death, or total permanent/partial disability that can cause loss of income.
Life insurance is a contract between a policyholder and an insurance company that provides financial security to a policyholder's family, in case of their demise. The policyholder pays "premiums" to the insurer in exchange for a "life cover", also known as "sum assured". This amount is predetermined during the policy purchase and is based on the premiums to be paid. Premium payments are made over a period of time called a "policy term," which can be anywhere from two years to several decades. It is important to find a good balance between price and coverage as purchasing too little life cover can affect your family's financial security, in case of your accidental death.
Life insurance ensures that your dependents live comfortably after your death. Some life insurance plans pay you the sum assured and a "maturity benefit" if you outlive the term. This makes life insurance a good savings plan too.
The simplest way to figure the minimum life cover to take is to multiply your current annual income by 10-15 times if you are under 55 years of age. For example, if your current annual salary is ₹ 10 lakh, you should buy a life insurance policy with a life cover of at least ₹ 1-1.5 crore. Your life cover depends on many factors such as age, number of dependants, the debts you have, and your financial goals so keep these in mind when you buy life insurance. Know how much life insurance you need here.
The sum assured should be able to cover your family's future expenses in case of your accidental death. To arrive at the right amount, consider the following factors:
Different life insurance products offer different benefits. The simplest and most common form of life insurance, term insurance, provides higher life cover at affordable premium payments. Premiums can be paid on a monthly or yearly basis. Term insurance pays the life cover as a death benefit to the dependants on the policyholder's death. If the holder outlives the policy, there is no reimbursement or payment. Some life insurance products such as whole life plans offer a maturity benefit if the policyholder survives the plan term.
It is important that premiums paid are within the due date, especially for term insurance. Some life insurance companies offer a grace period of up to 30 days post that. If the premium is not paid within this period, the policy will terminate. You will have lost out on all benefits including your investment.
A life insurance claim can be filed at the insurance company's branch, uploaded on their website, or emailed to them. However, the following documents must be provided for the claim to be addressed.
Some life insurance companies in India allow the policyholder to claim the survival benefit if he or she survived the policy term. For example, term insurance with the return of premium option (ROP) repays all the premiums paid as survival benefits after the policy matures. However, a pure term plan has no such benefits.
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