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Ask an Expert to Buy Life Insurance
We're happy to know that you're prioritizing your family's future. Our life insurance expert will assist you in finding the best insurance plan. To schedule a call, please share some of the below details.
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o 7 to 12 years - 65 years
o 13 to 14 years - 70 years
7 to 14 years
| Premium Paying Term | Policy Terms | |
|---|---|---|
| Min | Max | |
| 7 | 15 | 20 |
| 8 | 16 | 20 |
| 9 | 17 | 20 |
| 10 | 18 | 25 |
| 11 | 19 | 25 |
| 12 | 20 | 25 |
| 13 | 21 | 25 |
| 14 | 22 | 25 |
Minimum Limit
Maximum limit: No limit, subject to underwriting
| Premium Paying Mode | Minimum Premium |
|---|---|
| Monthly | Rs. 1349 |
Quarterly | Rs. 4015
|
Half Yearly | Rs. 7934
|
Yearly | Rs. 15500
|
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 Little Champ Plan is a non–linked, participating, endowment insurance plan. It helps you plan the financing for your child’s education through payouts at regular intervals and securing the child’s future even in case of your death or ATPD. By way of its unique liquidity feature of guaranteed payouts, bonus accumulation (if declared), and life insurance benefit, this product offers a perfect blend for taking care of the financial needs of your child.
This is a limited premium payment policy with the option of choosing a policy term from 15 to 25 years.
The Risk commencement date is the date of issuance of the policy from which the death coverage starts under this Policy.
Yes. The applicable taxes will have to be borne by you, the policyholder. These are subject to change from time to time as per Tax laws.
Tax* benefits may be available on premiums paid and benefit receivable as per prevailing Income Tax Laws. Tax* benefits are subject to change from time to time as per the Income Tax Act, 1961. Please consult your tax consultant before purchasing this policy.
The Life Assured or nominee will get all the simple revisionary bonuses, if declared accrued and terminal bonus (if declared ) along with the last instalment of guaranteed payout, based on the payout option chosen as maturity benefit.
Yes, you can return your policy within the Free Look period;
In case you do not agree to the any policy terms and conditions, you have the option of returning the policy to us stating the reasons thereof, within 15 days from the date of receipt of the policy. The freelook period for policies purchased through distance marketing or electronic mode will be 30 days.
Do you get any refund when you return your policy?
Yes. We will refund an amount equal to the – Premium paid
Less: i. Pro-rata risk premium for the time the policy was in force
Less ii. Any stamp duty paid
Less iii. Expenses incurred on medical examination, if any
Distance Marketing includes every activity of solicitation (including lead generation) and sale of insurance products through the following modes:
(i) Voice mode, which includes telephone calling;
(ii) Short Messaging service (SMS);
(iii) Electronic mode which includes e-mail, internet and interactive television (DTH);
(iv) Physical mode which includes direct postal mail and newspaper & magazine inserts; and,
(v) Solicitation through any means of communication other than in person.
| Premium Paying Mode | Minimum Premium |
|---|---|
| Monthly | Rs. 1,349 |
| Quarterly | Rs. 4,015 |
| Half Yearly | Rs. 7,934 |
| Yearly | Rs. 15,500 |
The life assured has the option to pay monthly/ quarterly/ half yearly / yearly mode.
The following premium frequency factors for monthly, quarterly and half yearly policies will apply on the yearly premium for the below frequency.
| Premium Frequency | Factor To Be Applied To Yearly Premium |
|---|---|
| Monthly | 0.0870 |
| Quarterly | 0.2590 |
| Half Yearly | 0.5119 |
This policy may include the 'Life Assured', the 'Policyholder', the 'Nominee(s)' and the 'Appointee'.
Who is a Life Assured' ?
Life assured is the person, on whose life the policy has been issued. Death cover starts immediately on the Policy start date. On the Life Assured's death, the relevant benefit is paid out and the policy continues to ensure predefined payouts. Any person can be the life assured, as long as –
| Minimum Entry Age | Maximum Entry Age |
|---|---|
| 21 Years | 45 Years |
The maximum maturity age depends upon the premium paying term as shown in table below
| Premium Paying Term | Maximum Maturity Age |
|---|---|
| 7 to 12 Years | 65 Years |
| 13 to 14 Years | 70 Years |
Who is a policyholder?
A policyholder is the person who holds the policy.
Who is a nominee(s) ?
Nominee(s) is/are the person(s) nominated by the Life Assured under this Policy who is authorized to receive the claim benefit payable under this Policy and to give a valid discharge to the Company on settlement of the claim.
Who is an appointee?
Appointee is the person to whom the proceeds/ benefits secured under the Policy are payable if the benefit becomes payable to the nominee(s) and nominee(s) is minor as on the date of claim payment.
You have the option to choose the Sum Assured as per your needs and requirement
| Sum Assured Limits | ||
|---|---|---|
| Sum Assured Limits | Minimum | Maximum |
| 7 to 9 years | Rs. 1,50,000 | No limit, subject to BAUP |
| 10 to 14 years | Rs. 2,00,000 | No limit, subject to BAUP |
The plan provides coverage in case of death, accidental death and ATPD of the life assured.
The following Risk Cover options are available under this plan where premium amount varies depending upon the choice of the options:-
Accidental Death
“Accidental Death” shall mean death:
a. which is caused by Bodily Injury resulting from an Accident and
b. which occurs due to the said Bodily Injury solely, directly and independently of any other causes and
c. which occurs within 180 days of the occurrence of such Accident provided date of accident is within the policy term
Accidental Total and Permanent Disability refers to a disability, which:
a. is caused by Bodily Injury resulting from an accident, and
b. occurs due to the said bodily injury, directly and independently of any other causes, and
c. occurs within 180 days of the occurrence of such accident provided date of accident is within the policy term
For the purposes of this benefit, the loss of both arms, or of both legs, or of one arm and one leg, or of both eyes, shall be considered total and permanent disability, without prejudice to other causes of total and permanent disability.
“Loss of an arm or a leg” shall mean physical severance of the arm at or above the wrist or physical severance of the leg at or above the ankle which:
a. is caused by bodily injury resulting from an accident, and
b. occurs due to the said bodily injury, directly and independently of any other causes, and
c. occurs within 180 days of the occurrence of such accident irrespective of the expiry of policy term provided date of accident is within the policy term.
“Loss of an eye” shall mean total and irrevocable loss of sight of an eye which:
a. is caused by bodily injury resulting from an accident, and
b. occurs due to the said bodily injury, directly and independently of any other causes, and
c. occurs within 180 days of the occurrence of such accident irrespective of the expiry of policy term provided date of accident is within the policy term.
An “Accident” is a sudden, unforeseen and involuntary event caused by external and visible means.
“Bodily Injury” is accidental bodily harm excluding illness or disease solely and directly caused by external, violent means which is verified and certified by a Medical Practitioner.
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BEWARE OF SPURIOUS PHONE CALSS AND FICTIOUS/FRADULENT OFFERS
IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.
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Registered Office
12th and 13th Floor, North [C] wing, Tower 4, Nesco IT Park, Nesco Center, Western Express Highway, Goregaon (East), Mumbai – 400063.
IRDAI Information
IRDAI Regd. No. 143 | CIN: U66010MH2008PLC183679Trade logo displayed above belongs to one of our promoters and shareholders, Bank of Baroda and are used by IndiaFirst Life Insurance Company Limited under License.
For more details on risk factors, associated terms and conditions and exclusions please read the product brochure before concluding a sale.
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