Enjoy 0% GST on your policy premium. Get ₹1 Cr. Life Cover at just ₹22.5/day* + 10%^ Online Discount with IndiaFirst Life ELITE Term Plan (UIN 143N070V01). *^T&C Apply.

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Elite Term Plan

Lifetime protection till age 99 years
High cover at affordable cost
Convenient premium payment options
Sum Assured as lumpsum or monthly instalments

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Super Protection Plan

Option to get your money back (Return of Premium- ROP)
Flexibility to pay premiums at your convenience
Lifetime protection till age 99 years
Sum Assured as lumpsum or monthly instalments

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Life Plan

Flexibility to choose the duration
Family will receive the payout
Flexibility to choose the assured amount
Long term protection

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Protect Shield Plan

Instant Issuance
Flat rate cover
No medicals
Tax benefits as per prevailing tax laws

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Saral Jeevan Bima Plan

Life Insurance Cover of up to ₹50 lakhs.
Flexible premium payment options
Up to 40 years of protection for loved ones.
Protection against COVID-19 with lump sum benefit.

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Term Rider Plan

Additional Life Cover for up to 5-30 years
Guaranteed Lumpsum Death Benefit
Enjoy Tax Benefits on Premiums You Invest.

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Elite Term Plan

Benefits at Maturity & Life cover
High cover at affordable cost
Convenient premium payment options
Sum Assured as lumpsum or monthly instalments

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Super Protection Plan

Option to get your money back (Return of Premium- ROP)
Flexibility to pay premiums at your convenience
Lifetime protection till age 99 years
Sum Assured as lumpsum or monthly instalments

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Life Plan

Flexibility to choose the duration
Family will receive the payout
Flexibility to choose the assured amount
Long term protection

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Protect Shield Plan

Flexibility to choose the duration
Family will receive the payout
Flexibility to choose the assured amount
Long term protection

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Saral Jeevan Bima Plan

Life Insurance Cover of up to ₹50 lakhs.
Flexible premium payment options
Up to 40 years of protection for loved ones.
Protection against COVID-19 with lump sum benefit.

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Radiance Smart Invest Plan

Zero Fund allocation charges
10 different funds to choose from
3 plan options to achieve your investment goals
100% money invested for higher returns

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Money Balance Plan

Optimised Investment Strategy
Flexible-Premium Payment
Partial Withdrawal Flexibility
Convenient Fund Accessibility

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TULIP Plus Plan

Up to 100x life insurance cover
Up to 750%* return of Premium Allocation charges
Riders designed to cover additional risks
Reduced premium allocation charge for higher premiums

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TULIP Pro Plan

Up to 20X Life Cover for Your Loved Ones
Additional Coverage through TERM Rider
Multiple Investment Strategies and up to 10 Diversified Funds
Up to 600% of Premium Allocation Charges returned at Maturity

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Wealth Maximizer Plan

Market Linked Returns
Free switches for maximum gain
Long-term loyalty benefits
Add top-up premiums

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Assured Income For Milestones Plan

Guaranteed long-term income plan
Ideal for milestone-based financial planning
Three customizable benefit options
Immediate or deferred income variants

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Guarantee Of Life Dreams Plan

Choice of 3 income Options
UpTo 5% Extra Income on Online Purchase
Enhanced Income Benefit for Women
Option to Choose the date to receive a regular income.

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Guaranteed Single Premium Plan

One-time payment (Single Pay)
Tax saving benefits*
Life Cover that is 1.25 times higher

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Mahajeevan Plus Plan

Life cover of up to 15 or 20 years
Periodic Cash backs
Uninterrupted Life Cover
Money Back Discounts with Early Premium Payments

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Smart Retirement Plan

Market-linked returns, with 3 new funds!
2 plan options to secure your retirement
ZERO allocation or administration charges.
Guaranteed Additions* of up to 5% in Year 1

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Guaranteed Pension Plan

Income for Life
5 Annuity Choices
Joint Life Security
Escalating Annuity option

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Guaranteed Annuity Plan

Retirement Planning
12 Annuity Options
Exclusive benefits for NPS subscribers
Continuity with Joint Life Option

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Guaranteed Retirement Plan

Assured Returns
Beat Inflation
Choose How to Save
Save Longer for up to 40 years

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Assured Income For Milestones Plan

Guaranteed long-term income plan
Ideal for milestone-based financial planning
Three customizable benefit options
Immediate or deferred income variants

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Guarantee Of Life Dreams Plan

Choice of 3 income Options
UpTo 5% Extra Income on Online Purchase
Enhanced Income Benefit for Women
Option to Choose the date to receive a regular income.

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Guaranteed Single Premium Plan

One-time payment (Single Pay)
Tax saving benefits*
Life Cover that is 1.25 times higher

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Life Long Guaranteed Income Plan

Short-Term Payments, Long-Term Gains
Guaranteed Income to fulfill Financial Goals
Lifetime Income Till 99 years of age
Premium Payback Assurance

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Term Rider Plan

Additional Life Cover for up to 5-30 years
Guaranteed Lumpsum Death Benefit
Enjoy Tax Benefits on Premiums You Invest.

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Waiver of Premium Rider

3 Coverage Options
Guaranteed Financial Protection For Your Loved Ones
Policy Remains Effective in Your Absence (WOP)
10 Critical Illness Cover

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ADB Rider

Up to 2 Cr. Additional cover over existing policy
Protect your loved ones at affordable price.
Tax Advantages

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TPD Rider

Up to 1 Cr. Additional cover
Protect your loved ones at affordable price.
Tax Advantages

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Group Living Benefits Plan

Comprehensive Group Health Insurance
Affordable Heatlh Coverage for Corporate
COVID-19 Protection for Group Life Insurance
Fixed Benefit Assurance

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Group Term Plan

Affordable Group Term Insurance
Voluntary or Automatic Enrollment
Enhanced Coverage with EDLI
Flexible Premium Payment

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New Corporate Benefit Plan

A separate plan for each scheme
Minimum guaranteed return of 0.5% p.a.
Yearly Bonus as per company’s performance
Earn easy returns

Little Champ Plan

Financial Protection
Customisable Policy
Guaranteed Payouts
Flexible Coverage Options

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Term Insurance Calculator

Use our Term Insurance Calculator to estimate the right cover for your family’s financial security.

Child Plan Calculator

Plan your child’s education and future goals with our easy Child Plan Calculator.

Retirement Planning Calculator

Estimate how much you need to save for a comfortable and stress-free retirement.

Cost of Delay Calculator

See how delaying investments can impact your long-term wealth creation.

Human Life Value Calculator

Calculate your Human Life Value and understand the insurance cover your family needs.

Paid-Up Calculator

Check the paid-up value of your policy and make informed financial decisions.

Annuity Calculator

Estimate your regular income after retirement using our Annuity Calculator.

ULIP Calculator

Estimate potential returns on your ULIP investments over the policy term.

Compound Interest Calculator

Understand how your money grows over time with the power of compounding.

Future Wealth Creation Calculator

Plan your investments effectively to achieve your long-term wealth goals.

SIP Calculator

Calculate returns on your monthly SIP investments in just a few clicks.

SSY Calculator

Use our simple SSY calculator and figure out how much you can save for your daughter’s future.

RD Calculator

Calculate the maturity amount of your recurring deposit investments easily.

NPS Calculator

Estimate your retirement corpus and pension through National Pension Scheme investments.

Income Tax Calculator

Calculate your tax liability and plan your taxes efficiently.

Home Loan EMI Calculator

Calculate your home loan EMIs and manage repayments with ease.

Car Loan EMI Calculator

Find out your car loan EMI and choose the right repayment plan.

Personal Loan EMI Calculator

Estimate your personal loan EMIs before applying for a loan.

Salary Calculator

Calculate your take-home salary after deductions and allowances.

Gratuity Calculator

Calculate the gratuity amount you may receive based on your tenure and salary.

CIBIL Score Calculator

Check where you stand and understand your credit health better.

BMI Calculator

Check your Body Mass Index and understand your health better.

Nominee Central

Your one-stop hub to help your loved ones easily access, understand, and manage everything related to life insurance nomination and claims.

Life Insurance Ki Kitaab

Your simple, go-to guide for understanding life insurance basics.

India's Firsts

Discover India’s pioneering innovations and historic milestones that shaped the world.

Life+ Newsletter

Your monthly dose of simple, smart insights on insurance and money matters—delivered straight to your inbox.

Insurance Videos

Quick, easy videos that help you understand insurance better.

Insurance Podcasts

Listen to expert insights that simplify insurance on the go.

Enjoy 0% GST on your policy premium. Get ₹1 Cr. Life Cover at just ₹22.5/day* + 10%^ Online Discount with IndiaFirst Life ELITE Term Plan (UIN 143N070V01). *^T&C Apply.

Know More

Ask an Expert

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Build Wealth

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We’re Built on the Foundation of Trust

Headquartered in Mumbai with a paid-up share capital of INR 754.37 crore, IndiaFirst Life Insurance Company Limited (IndiaFirst Life) is one of the fastest-growing private life insurers in India. Our key differentiators are our simple and easy-to-understand products that are optimally priced - designed to lift the weight of responsibilities and help our customers feel lighter along their life’s journey.

IndiaFirst Life Insurance Company Ltd, a domestic subsidiary of Bank of Baroda. IndiaFirst Life Insurance came into existence in November 2009, as the 22nd entrant in the private Life Insurance Industry. As on 31 March 2025, it’s New Business Individual Retail Premium stood at INR 1,425 Crores & Total Premium stood at INR 7,218 Crores. Today, IndiaFirst Life Insurance services over 16 Mn customers spread across 90%+ of India’s pin codes. IndiaFirst has diverse workforce of ~4,600 PAN India. It also has robust network of ~22,000 Partner branches along with ~115 Third party distributors & Corporate agents covering every nook and corner of India. IndiaFirst Life Insurance has also built a strong network of ~1,880 agents which completes our Distribution ecosystem.

Our initial shareholders were Bank of Baroda, Andhra Bank (now, Union Bank of India), and Legal & General Middle East Limited. In February 2019, Legal & General sold its stake to Carmel Point Investments India Private Limited, a private limited company incorporated under the laws of India and affiliate of the Warburg Pincus Group. In April 2020, Andhra Bank was amalgamated into The Union Bank of India. Our current shareholding pattern is as follows:

Bank of Baroda – 65%
Union Bank of India – 9%
Carmel Point Investments India Private Limited – 26%

The difference is in the experience

As of September 30, 2024, we offered 32 retail products, 15 group products and 8 riders (across retail and group portfolios) catering to the protection, savings, and retirement needs of customers. We also offer policies under the PMJJBY scheme, leveraging multiple distribution capabilities and enhancing various investment options. In accordance with the 2024 IRDAI Regulations, we are in the process of revamping all our products to ensure compliance and alignment with the updated guidelines. Under the new regulatory regime, our products are more customer-centric, with lower penalties on early exits.

We offer a complete suite of offerings under the following categories: Participating Plans, Non-Participating Savings Plans, Non-Participating Protection Plans, Unit Linked Insurance Plans, Group Protection Plans, Corporate Funds Plans, Riders and PMJJBY. These categories form a comprehensive suite of offerings that help our customers prepare for the certainties of life. Our products are easy to understand and optimally priced with a developed comprehensive risk management framework/policy. By offering a wide range of products, we ensure that our customers can choose the plan that best suits their needs and budget.

People Matter

At IndiaFirst Life, we believe our culture is not just a statement—it’s a verb, a living and breathing part of our everyday. Our people are at the heart of everything we do, and their passion and commitment drive our success. Guided by our core philosophy of #EmployeeFirst, we continue to cultivate a work culture that is Happy, Passionate, and Connected.

We define our Employee Value Proposition (EVP) as a balance between what an employee gives and what they get. Employees bring to life our values—Think New, Be Helpful, Be Honest, and Do More—and in return, they experience C.A.R.E.: Celebrating People and Success, Accelerating Growth, Recognising Achievements, and Empowering Employees. These principles form the foundation of our culture and are reflected in every initiative, policy, and interaction.

Thanks to our unwavering commitment to our core philosophies of #CustomerFirst and #EmployeeFirst, IndiaFirst Life has been certified as a Great Place to Work® for seven consecutive years and was featured among the Top 50 of India’s Best Workplaces in BFSI in 2025.

Our people initiatives are designed with intention and impact—from onboarding to upskilling, from engagement to empowerment:

• Eight Imperatives: Our Imperatives serve as everyday guiding principles, empowering employees to take ownership, stay resilient, and deliver with Right Intent and Superior Execution.
• Pre-Hiring Value Fitment Assessments: We align prospective employees to our culture from day one using a customized psychometric tool.
• Amber, Our AI Chat Bot: We capture employee feedback, sentiments and trends that helps us to proactively enhance employee morale. Employees also have the option to share concerns directly with our CHRO through an anonymous chatbot—reinforcing trust and psychological safety.
• Employee Recognition: Our flagship programs like AchieversFirst and ValuesFirst celebrate employees who consistently embody our core values with envy worthy national and international trips, making recognition a meaningful and unforgettable experience.

Our commitment to Learning and Growth is embedded in everything we do. Programs like PRIME, RISE, and N-E-X-T support leadership capability and career growth at every level. We also invest in certifications, mentorship journeys, and real-time sales coaching tools. Our platforms like DART and ECHO bring real-time performance visibility and encourage employee-led innovation.

We’ve also enhanced our DEIB framework, embedding inclusive practices into hiring, learning, policy-making, and celebrations. We are proud of our efforts to promote equity and psychological safety across every role, function, and level.

At IndiaFirst Life, we continue to balance performance with EmployeeFirst practices, ensuring every employee has the opportunity to thrive, contribute meaningfully, and feel a strong sense of purpose. This is not just a workplace—it’s a place where culture drives strategy, and people drive success.

Customer First Philosophy

We deliver value through leading digitalization initiatives across the complete value chain. This stems from our #CustomerFirst ideology. We believe in reiterating the philosophy with which we treat our customers. Our "Circle of Trust" proposition acts as a beacon for how we conduct ourselves: every behaviour is guided by the intent to earn trust —so our customers can feel reassured, confident, and ultimately, feel light after they have shared their responsibilities with us.

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