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 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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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 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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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.

Lumpsum Calculator

Calculate your estimated returns on your lumpsum investment

Simple Interest Calculator

Find out the interest amount based on your principal, rate, and time using the simple interest method.

SSY Calculator

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

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

Ask an Expert

Protect Your Family

Build Wealth

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Feel Light About Tomorrow, Starting Today

At IndiaFirst Life, we put you first by removing the weight of life’s uncertainties—so you can feel light, confident, and in control. Through tailored product offerings, seamless digital experiences, and a strong commitment to your satisfaction, we aim to make financial preparedness feel simple and reassuring. Your journey with us begins by prioritizing what matters to you—because when you're prepared, halka lagega.

Our Customer First Philosophy

We live by the 'Customer First' principle, shaping every aspect of our business around your needs.
Affordable pricing meets substantial coverage, making quality life insurance accessible to all. We believe in providing value that goes beyond just the cost, ensuring your peace of mind is priceless.
Trust in our impressive death claims settlement ratio of 98.04% in FY23-24.

Our customer service is not just a department; it's a commitment to your satisfaction.
Picture a circle built on trust, and you are at the center. That is our "Circle of Trust" proposition. From the moment you choose IndiaFirst Life, you become a part of a community built on reliability and transparency. Your peace of mind is our priority.

Promoted by Bank of Baroda and Union Bank of India

Our commitment to trust is reflected in our shareholding pattern, with Bank of Baroda holding 65%, Union Bank of India holding 9%, and Carmel Point Investments India Private Limited holding the remaining 26% of the shares. The extensive footprint and rich experience of our partners form the backbone of our strong commitment to providing value to all stakeholders.

IndiaFirst Life is steadfast in its commitment to reach every Indian household and make life insurance accessible to all. The combined expertise and financial strength of the Bank of Baroda, Union Bank of India, and Carmel Point Investments fuel our journey toward this noble goal.

Tailored Solutions for You

At IndiaFirst Life, we understand that each individual is unique, with distinct aspirations and life goals. Our need-based product offerings reflect our commitment to providing solutions that resonate with the essence of every Indian.

A) For Individuals:

Individual protection plans are designed to ensure financial security for you and your dependents.
Secure your golden years with retirement plans that align with your lifestyle and aspirations.
Invest in your child's future with savings plans that are designed to meet their educational and life milestones.
Plan your legacy and leave a lasting impact with our specialised legacy planning solutions.

B) For Groups:

Shield your organisation and its members with our group protection plans. These plans provide comprehensive coverage to your organisation’s members.
Our group products can be sold along with other banking products.

Transforming Insurance Through Digital Excellence

At IndiaFirst Life, our commitment to delivering an unparalleled customer experience is reflected in our strategic investments in cutting-edge technology. We have seamlessly integrated digital enhancements across our operations, ensuring a smooth and efficient journey for both customers and distributors.

Digital Enhancement for Customer Acquisition and Experience
We take pride in our Dedicated Customer Acquisition System, aptly named "Simplify". In recent years, 92.94% to 99.13% of applications have been seamlessly processed through tablets. This innovative system ensures a simplified and efficient onboarding experience for our valued customers.

Simplify: A Dedicated Customer Acquisition System Our revolutionary system, "Simplify", is designed to streamline the customer acquisition journey. This dedicated platform has become a cornerstone in providing a user-friendly experience for our customers.

Automation of Underwriting Process
Embracing the digital wave, we have significantly automated our underwriting process. As of the three months ended June 30, 2022, decisions of 64.75% of cases are provided through auto-underwriting.

Seamless Digital Experience on our Website
Our user-centric website is a one-stop destination. It ensures easy access for customers. From comprehensive product information to plan brochures, premium calculators, online buying process and branch locators, we've crafted a digital space that caters to our customers' every need.

Data Analytics for Targeted Communication
Using the power of data analytics, we personalise communication to ensure it reaches the right customers. This proactive approach allows us to tailor our engagement strategies and provide customers with the information they need at the right time.

Instant Issuance and Smart Scrutiny
Our commitment to efficiency is evident in our instant issuance and 'Smart Scrutiny' processes. Through leveraging technology, we have achieved faster and more seamless customer onboarding. This has resulted in an enhanced purchase experience.