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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Guardian of Life Dreams Term Plan

Offers Life cover for Whole Life or for Limited Term for age 85 years
A special 16% Level Premium Discount for women
Health Management Services worth Up to ₹75,000 p.a.
Choice of Pure Protection or Return of Premium optionKnow More

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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 Plus 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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Guardian of Life Dreams Term Plan

Offers Life cover for Whole Life or for Limited Term for age 85 years
A special 16% Level Premium Discount for women
Health Management Services worth Up to ₹75,000 p.a.
Choice of Pure Protection or Return of Premium option

Download Brochure

Elite Term Plan

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

Download Brochure

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 Plus 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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Long Guaranteed Income Plan

Short-Term Payments, Long-Term Gains
Guaranteed Income to fulfill Financial Goals
Lifetime Income Till 99 years of age
Continuous Life Cover without any interruption

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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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Growth of Life Dreams Plus Plan

Start income as early as the 1st policy month or defer it up to 10 years
(GPB) Policy benefits continue for your nominee even in your absence
Choose long-term income or whole-life income
Flexibility to choose Life cover option up to 11x

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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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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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Unit-Linked Pension Plan (ULPP)

Zero Charges Plan
You Pay 100. We Invest 105
Market-Linked Growth
Flexible Premium Options

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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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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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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Guaranteed Single Premium Plan

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

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Term Rider Plan (non-linked)

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

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Term Rider (linked)

Additional Life Cover for up to 5-67 years
Lump sum death benefit equal to the sum assured
Enjoy Tax Benefits on Premiums You Invest.

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Waiver of Premium Rider (non-linked)

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 (non-linked)

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

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ADB Rider (linked)

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

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TPD Rider (non-linked)

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

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TPD Rider (linked)

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

Employee Benefit Plan

Manage your future employee liabilities
Choose from 4 fund options
Tax free gratuity up to 20 lakh

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.

Lumpsum Calculator

Calculate your estimated returns on your lumpsum investment

Step-up SIP Calculator

See how increasing your SIP each year boosts your wealth. Use our Step-Up SIP Calculator for smarter financial planning

SWP Calculator

Check how much monthly income your investment can generate and how long your corpus can last.

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.

Inflation Calculator

Understand how inflation will affect your expenses and future goals

Gratuity Calculator

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

Salary Calculator

Calculate your take-home salary after deductions and allowances.

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

: Protect Your Family

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: Plan Your Retirement

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Bhavna Verma

Chief & Appointed Actuary

As the Chief & Appointed Actuary at IndiaFirst Life, Bhavna Verma leads the Actuarial function of the Company, overseeing regulatory and shareholder reporting, product development and pricing, and financial and insurance risk management. Her role is instrumental in driving the financial performance and stability of the Company and shaping the long-term strategic direction.

A seasoned actuary with extensive experience across Indian, Asian, and UK markets, Bhavna brings deep expertise across actuarial, risk, product, and strategic domains. Prior to IndiaFirst Life, she was Head of Actuarial Reporting and Risk at Kotak Life Insurance, where she led key actuarial initiatives. She began her career in actuarial consulting with Willis Towers Watson and worked with Milliman, handling diverse technical and strategic assignments across geographies. Bhavna is passionate about integrating the application of actuarial principles holistically across functions.

She has been recognised for her contributions to the profession, including being named among BW CFO World’s Finance 40 Under 40 (2024) and receiving the Excellence in Impactful Risk Leadership award at the Navabharat Inspiring Women Summit (2026), among others. She is a Fellow of both the Institute of Actuaries of India and the Institute and Faculty of Actuaries, UK, and has also served as Chief Editor of Actuary India, the Indian actuarial body’s flagship publication.

Bhavna has a B.A. (Hons) in Mathematics from St. Stephen’s College, Delhi University.

Board of directors
Management Team

Dr. DEBADATTA CHAND

Chairperson

Dr. Debadatta Chand assumed charge as Managing Director & CEO of the Bank on 1st July 2023. Dr. Chand has over 31 years of experience in the Banking & Financial services industry, having served in banks and financial institutions. Dr. Chand served as the Executive Director at Bank of Baroda from March’21 to June’23, before his elevation as MD & CEO. Read More

Mr. NARENDRA OSTAWAL

Non-Executive Director

Mr. Ostawal joined Warburg Pincus in 2007 and since then has been working with the firm's Indian affiliate. He is involved with the firm's Investment Advisory activities in India and evaluates opportunities in the Financial Services and Healthcare sectors in India. Prior to joining Warburg Pincus, Mr. Ostawal was an Associate with 3i India and McKinsey & Company. Read More

Shri Lalit Tyagi

Non-Executive Director

Shri Lalit Tyagi, having started his career as Probationary Officer in Bank of Baroda in 1996, has over 28 years of rich experience in various spectrum of commercial banking, particularly in Corporate Finance, Risk Management, International Banking and Administrative Roles.. Read More

Mr. Shailendra Singh

Non-Executive Director

Mr. Shailendra Singh, is currently, Chief General Manager (HRM) in Bank of Baroda. In his earlier assignment as MD & CEO of BOBCARD (100% subsidiary of Bank of Baroda), he was instrumental in rejuvenating and resurrecting the credit card business and positioning it as a force to reckon within credit card landscapes. Read More

Mr. Sandeep Kagzi

Non-Executive Director

Sandeep Kagzi is based in Mumbai, joined Warburg Pincus in 2008, and focuses on financial services and consumer sectors. Prior to joining Warburg Pincus, he worked at J.P. Morgan in the Industrials Investment Banking group in New York.. Read More

Ms. HARITA GUPTA

Independent Director

Harita is a Masters degree holder from IIT Delhi and lives with her husband in Gurgaon, India. Harita joined Sutherland as the Global Head of the Enterprise Business in 2017 she brings in 3 decades of vast Global experience in the Digital and IT services sector. Read More

Mr. Narasimhan Rajashekaran

Independent Director

Mr. Rajashekaran began his journey as a global banker in 1985, spanning a 39-year career, With the last 24 years at Citibank across 6 countries. He is an Independent Board Director in India and has also served on the boards (including as chairman) of Citi legal vehicles & Industry chambers. Read More

Mr. Rajaraman Arunachalam

Independent Director

Rajaraman Arunachalam brings over 30 years of diverse industry experience and deep regulatory expertise to IndiaFirst Life as an Independent Director. Throughout his distinguished career, he has held key roles across corporate, consulting, and regulatory domains, spanning life insurance, general insurance, pensions, and employee benefits. A Mathematics graduate, he is a Read More

Rushabh Gandhi

Managing Director & Chief Executive Officer

Rushabh Gandhi, MD & CEO, IndiaFirst Life is a visionary leader with an entrepreneurial mindset. He leverages his sharp business acumen and strategic thinking to transform challenges into opportunities. Rushabh has been instrumental in driving IndiaFirst Life’s success story through a robust Bancassurance-led, multi-distribution channel strategy. Read More

Rushabh Gandhi

Managing Director & Chief Executive Officer

Kedar Patki

Chief Financial Officer

As the Chief Financial Officer of IndiaFirst Life, Kedar Patki is responsible for managing the Finance, Procurement, Planning & Budgeting and Investor Relations areas of the organisation. Read More

Atri Chakraborty

Chief Operating Officer

As the Chief Operating Officer at IndiaFirst Life, Atri Chakraborty drives operational excellence and strategic growth, leveraging his deep expertise across business operations, technology, and data. Read More

Varun Gupta

Chief Distribution Officer – Bancassurance

As the Chief Distribution Officer – Bancassurance at IndiaFirst Life, Varun Gupta is responsible for spearheading a strong network of existing Bancassurance partnerships, building the company’s Proprietary Sales Force, Read More

Sumeet Sahni

Chief Distribution Officer – Agency & Alliances

Sumeet Sahni is the Chief Distribution Officer – Agency & Alliances at IndiaFirst Life. The role perfectly aligns with his dual passions for driving growth and fostering strong, collaborative relationships. Sumeet embodies the spirit of excellence and compassion, making him a true asset to both the insurance industry and the community he serves. Read More

Sunanda Roy

Country Head – Bank of Baroda Channel

As Country Head – Bank of Baroda Channel at IndiaFirst Life, Sunanda Roy spearheads strategy and sales for the Bank of Baroda vertical. He leads the growth and optimisation of the bancassurance channel, driving Read More

Munish Bhardwaj

Country Head – Regional Rural Bank Channel

Munish Bhardwaj is the Country Head for the Regional Rural Bank (RRB) channel at IndiaFirst Life. In this role, he is responsible for driving insurance penetration across rural and semi-urban markets through strategic banking partnerships, aligning with the company’s mission of delivering life insurance to the last mile. Read More

Subhankar Sengupta

Chief Marketing Officer

Subhankar Sengupta serves as the Chief Marketing Officer at IndiaFirst Life. In this role, he oversees the organisation’s Branding, Channel Marketing, Corporate Communication, Customer Experience functions. Read More

Dr. Poonam Tandon

Chief Investment Officer

As the Chief Investment Officer at IndiaFirst Life, Dr. Poonam Tandon oversees the organisation’s investment activities, which includes Fund management and investment strategy. Poonam is an accomplished veteran with keen insight on the financial markets and investment management in the BFSI sector. Read More

Sankaranarayanan Raghavan

Chief Technology and Digital Officer

As the Chief Technology & Digital Officer at IndiaFirst Life, Sankaranarayanan Raghavan is responsible for technology, data and data sciences strategy, technology implementation, digital sales, and efficiency monitoring. Read More

Sunder Natarajan

Chief Human Resources Officer

As the Chief Human Resources Officer (CHRO) of IndiaFirst Life, Sunder Natarajan is responsible for talent management, performance management, organisation development, training, and infrastructure. At IndiaFirst Life, Sunder has led multiple functions, including Risk, Read More

Amrish Maheshwari

Chief Risk Officer

Amrish Maheshwari is the Chief Risk Officer at IndiaFirst Life, where he leads the Risk Management, Fraud Control Unit and Information Security functions. He is responsible for strengthening the organisation's enterprise risk management framework, fostering a strong risk culture, and ensuring effective governance across the business. Read More

Naman Gupta

Head - Operations

Naman Gupta is a seasoned insurance professional and founding member of IndiaFirst Life, currently serving as Head – Operations. He is responsible for shaping and executing strategies that drive customer retention, elevate service standards, and streamline operational efficiency across the organisation. Read More

Amey Patil

Country Head – Corporate Business & Strategic Alliances

Amey Patil is the Country Head – Corporate Business & Strategic Alliances at IndiaFirst Life. A founding member of IndiaFirst Life, Amey has played a key role in the company’s growth journey, leading multiple sales verticals. Read More

Sameer Gupta

Country Head – Banca GCL & Performance Management

Sameer Gupta is the Country Head – Banca GCL & Performance Management. He drives sales for the Banca GCL channel and oversees distribution planning and performance management for the bancassurance business, with a focus on improving products and processes to create value. Read More

Nalin Bhandari

Finance Controller

Nalin Bhandari is the Finance Controller at IndiaFirst Life Insurance and a qualified Chartered Accountant with over two decades of experience in financial leadership across the insurance, power, and manufacturing sectors. Read More

Bhavna Verma

Chief & Appointed Actuary

Dr. DEBADATTA CHAND

Chairperson

Mr. NARENDRA OSTAWAL

Non-Executive Director

Shri Lalit Tyagi

Non-Executive Director

Mr. Shailendra Singh

Non-Executive Director

Mr. Sandeep Kagzi

Non-Executive Director

Ms. HARITA GUPTA

Independent Director

Mr. Narasimhan Rajashekaran

Independent Director

Mr. Rajaraman Arunachalam

Rushabh Gandhi

Managing Director & Chief Executive Officer

Rushabh Gandhi

Managing Director & Chief Executive Officer

Kedar Patki

Chief Financial Officer

Atri Chakraborty

Chief Operating Officer

Varun Gupta

Chief Distribution Officer – Bancassurance

Sumeet Sahni

Chief Distribution Officer – Agency & Alliances

Sunanda Roy

Country Head – Bank of Baroda Channel

Munish Bhardwaj

Country Head – Regional Rural Bank Channel

Subhankar Sengupta

Chief Marketing Officer

Dr. Poonam Tandon

Chief Investment Officer

Sankaranarayanan Raghavan

Chief Technology and Digital Officer

Sunder Natarajan

Chief Human Resources Officer

Amrish Maheshwari

Chief Risk Officer

Naman Gupta

Head - Operations

Amey Patil

Country Head – Corporate Business & Strategic Alliances

Sameer Gupta

Country Head – Banca GCL & Performance Management

Nalin Bhandari

Finance Controller

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विशेष अपडेट और स्मार्ट वित्तीय मार्गदर्शन के लिए हमारे लाइफ+ न्यूज़लेटर की सदस्यता लें

વિશિષ્ટ અપડેટ અને કુનેહભર્યા નાણાંકીય માર્ગદર્શન માટે અમારા લાઈફ+ ન્યૂઝલેટરને સબસ્ક્રાઈબ કરો

ప్రత్యేకమైన నవీకరణలు & స్మార్ట్ ఫైనాన్షియల్ గైడెన్స్ కోసం మా లైఫ్ + న్యూస్ లెటర్ సభ్యత్వాన్ని పొందండి.

निवडक अपडेट आणि उत्तम आर्थिक मार्गदर्शन मिळवण्यासाठी आमच्या लाईफ+ बातमीपत्राचे सदस्यत्व घ्या