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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.

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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.

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Calculate your take-home salary after deductions and allowances.

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

CIBIL Score Calculator

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BMI Calculator

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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.

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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.

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Our Investment Outlook

Whether you are an individual or group customer, the first thing you want to know is how well IndiaFirst Life manages your money. At IndiaFirst Life, we strive to balance your portfolio and meet your investment expectations.

Investments,
Creating a bigger impact

At IndiaFirst Life, we carefully select our investments, regularly monitor their performance, and take corrective action when necessary. We adhere to an institutional policy that aligns with the IRDAI regulations, mandated by the Board, overseen by the Investment Committee, and executed by our team.

CIO Speak
Investment Philosophy
Investment Team
Fund Portfolio
Events

Market Matters – February 2026

Indian equity market indices fell due to escalating geopolitical tensions globally and fears of Artificial Intelligence (AI) led disruption which offset signing of US-India trade deal. Globally, market volatility rose on outbreak of military conflict between US-Israel and Iran. Domestically, the Union Budget remained growth focused and prioritized capital expenditure and fiscal prudence. Indian fixed income markets saw slight easing of yields. INR also appreciated from new all-time lows on emerging trade policy clarity.

Global equity markets rose amid rising volatility given concerns surrounding AI‑driven disruption and heightened geopolitical tensions. Equity market performance saw divergence as Asia Pac region and European markets extended gains whereas the US markets were laggards. Global fixed income markets saw easing of yields across major markets supported by the ‘flight to safety’ trade amid high volatility. India–US signed ‘Interim Trade Agreement’, reducing peak US tariffs on exports from India and duty cuts on US agricultural and US industrial goods into India. Domestically, the Union Budget 2026-27 prioritized capital expenditure on infrastructure, manufacturing, defence and technology. It projected fiscal deficit reduction, maintaining a steady path toward debt reduction. Headline non-food credit (NFC) growth saw continued traction. Auto sales witnessed sustained momentum across 2W, 3W, PV, CV and tractor segments. India’s IIP growth moderated from multi-month highs. Manufacturing PMI rose. Headline CPI rose (with revised base year). GST collections growth inched up.

Global economic growth expectations have held on despite the potential macroeconomic impact of Trump tariffs through higher consumer prices, supply chain disruptions and exchange rate fluctuations. AI related capital spending by corporates in the US have supported economic growth. Continued elevated geopolitical tensions, however, remain a concern area as armed conflict in many regions in the Middle East have compounded global uncertainties even as Russia-Ukraine military conflict continues. Relatively sticky inflation, rising inflation expectations and slowing GDP data has led rising stagflation scenario. Major central banks (US Fed, ECB, Bank of Canada and BoE) have all cut rates to stimulate economic growth in their respective geographies. ECB and Bank of Canada have been the most aggressive by cutting rates by eight times. US Fed expected to cut rates in CY26. China’s PBoC guided that there is room for further easing post its aggressive rate reductions. Domestically, RBI MPC has again maintained status quo post rate cuts in the previous meeting. OMO purchases are expected to infuse additional liquidity in the system. RBI had earlier surprised the markets post its move on rates and the CRR, expected to add significantly to liquidity surplus. With the recent hardening of global commodities, close monitoring on the evolving price trajectory of key items in the CPI basket would be required. Capital flows are showing signs of revival as net FDI flows rise but FPI equity flows continue to fluctuate awaiting clarity for India from trade standpoint. RBI would likely allow the short dollar forward positions to mature, while sterilising the resulting liquidity impact through OMO purchases (OMO purchases in FY25 was the highest in about four years) ensuring consistency with its monetary policy stance. RBI focus also seem to have shifted to strengthening reserves position again.

In the near term, geopolitical tensions, currency and commodity price movement, inflation trends, trajectory of institutional flows, key global central bank monetary policy actions and global bond yields, would be monitored.

Global macro and market volatility would remain high due to heightened uncertainty on the back of ongoing trade war and geopolitical tensions. Markets have witnessed a reasonable correction since October 2024 up to March – April 2025. Hence, select pockets of broader markets have become attractive. There are signs of earnings revival on the back of good monsoons, improving rural growth prospects, upcoming festive season, the benefits of fiscal measures viz., tax rebates and the recent GST rate rationalisation alongside aggressive monetary easing and liquidity infusion by the RBI. Indian equity markets under performed key global markets due to uncertainty on the trade policy front which caused fluctuations in the FPI equity flows. Since clarity has emerged on the trade deal front, Indian equity market performance is expected to catch up and therefore, citing the favourable risk -reward, our portfolios have been aligned accordingly. Market corrections can provide opportunities to accumulate quality stocks. Although domestic fundamentals remain positive backed by firm external balances, elevated trade, geopolitical tensions, commodity prices and foreign capital flows need to be monitored. Considering these factors, yields are expected to be range bound with a positive bias. We shall remain invested in the medium to long segment of the yield curve to generate better risk adjusted returns.

Dr. Poonam Tandon

Chief Investment Officer

Whether you are a retail or institutional customer, the first thing you want to know is how well we manage your money? Everyone has two basic expectations - Safety and Returns. Both are opposite goals, but we work hard to achieve both in a balanced way. Your money can be safe if –

We choose our investments carefully
Watch their performance regularly
Take corrective action when needed

We have an institutional policy within the regulations of IRDAI, which is mandated by the Board monitored by Investment Committee and delivered by the team. This is the framework in which we operate. This framework is tight as well as practical enough to allow room for judgmental exceptions which are not taken just by one individual but by the whole team involving the CEO, CFO, CIO and the Appointed Actuary.

Rest assured, Our Fund Managers will take utmost care of your returns.

Equity Investment Strategy

We invest in equity and exchange traded funds with the objective of providing sustainable long-term capital appreciation, while pursuing high growth opportunities. We own equity in companies in a wide range of industries, including banking and finance, information technology, manufacturing, telecommunications and others. As of March 31, 2022, 68.28% of our equity investments (including Bank Nifty Exchange-Traded Funds) were in companies forming part of the Nifty 50 Index and the rest of our equity investments were in companies forming part of the larger listed market.

Fixed Income Investment Strategy

Our fixed income portfolio majorly consists of government securities, debentures and bonds, and money market instruments. We aim to maintain a fixed income portfolio of high asset quality. As of March 31, 2022, 98.02% of our total fixed income portfolio comprised domestic AAA-rated instruments, including sovereign instruments, and as of June 30, 2022, 98.51% of our total fixed income portfolio comprised domestic AAA-rated instruments. All our money market instruments had sovereign/A1+ or equivalent rating as of March 31, 2022 and June 30, 2022. We have not had any defaults or delayed payments in our fixed income portfolio in the last three years.

Meet Our Investment Team

Dr. Poonam Tandon
Chief Investment Officer

Dr. Poonam Tandon is the Chief Investment Officer of our Company. She holds a bachelor’s degree in commerce (honours) from the University of Delhi, a post graduate diploma in business management from the Xavier School of Management, Jamshedpur and a doctorate of philosophy in management studies from the Narsee Monjee Institute of Management Studies,Mumbai. She is a certified associate of the Indian Institute of Bankers. She joined our Company with effect from February 25,2010.Previously, she was associated with MetLife India Insurance Company Limited as chief manager (investments). She is inter alia responsible for overseeing the investment function in our Company.

Viraj M Nadkarni
Fund Manager - Equity

Viraj is a Company Secretary, MBA (Finance) from Symbiosis, Pune, and he also holds a Master’s degree in commerce from Pune University. He has more than 10 years of experience in the financial sector, mainly in equities. He has experience in analytics and understands equity market dynamics. Prior to this stint, he was with Angel Broking, Fortune Financials as a Senior Research Analyst. There he handled fundamental research on the institutional front and was involved in tracking multiple sectors. Here,

Viraj is the Fund Manager for Equity.

Sandeep Shirsat
Fund Manager - Fixed Income

Sandeep is a BCom graduate and qualified Cost accountant (ICWAI). He has worked in the fields of mutual funds, banking, PMS as well as insurance for over 22 years. In the past, he has worked with Multi-Act Equity Research (PMS), Matrix AMC, HSBC (Institutional Fund Services), and UTI AMC Pvt Ltd (UTI MF) . He has experience in Fund management - debt and balanced Funds, Treasury Management, Fund accounting, Investment Operations, Mutual Fund compliance and IT projects relating to Investment Functions as domain expert.
Today, he is a part of our company as a Fund Manager for Fixed Income. Today, he is a part of our company as a Fund Manager for Fixed Income.

This section will tell you more about the kind of funds that we invest your money in. Each fund has a different type of risk and return associated with it.
Read through this, it will help you understand and pick a Fund that suits your risk appetite best. As an existing customer, you may choose to shift from one Fund to another to optimise your returns. Always remember, take into account the market condition and changes in your risk profile before making these decisions.
Our way of valuing equity shares is as prescribed by Insurance and Regulatory Development Authority of India (IRDAI) through its circular number IRDA/F&I/INV/CIR/213/10/2013 dated October 30, 2013. It has mandated insurers to select either NSE or BSE as the primary and secondary exchange for valuation of its equity shares.

We have selected NSE as the primary and BSE as the secondary exchange. Accordingly, the equity shares held by us are valued at the closing price of NSE. In case a security is not listed or traded on NSE, we use the closing price of BSE.
Click on any of the links below to read more on different types of Funds we offer and why:

Life Unit Linked Funds
Pension Linked Funds

To generate a good level of income and prospects for capital growth through diversified investment in corporate debt instruments, government securities and money market investments.

Debt Fund Pension

SFIN No: ULIF003161109DEBTFUND00143

0-00%

Equity Composition

To provide high growth opportunities with an objective of long-term capital appreciation through investments primarily in equity and equity-related instruments.

Equity Fund

SFIN No: ULIF001161109EQUITYFUND143

80-100%

Equity Composition

To provide higher growth with reasonable security, by investing primarily in equity instruments and moderate allocation in debt securities/bonds.

Balanced Fund

SFIN No: ULIF005161109BALANCEDFN143

50-70%

Equity Composition

To generate a good level of income and prospects for capital growth through diversified investments in corporate debt instruments, government securities and money market investments.

Debt 1 Fund

SFIN No: ULIF010010910DEBTO1FUND143

0-00%

Equity Composition

To provide high growth opportunities with an objective of long-term capital appreciation through investments primarily in equity and equity-related instruments.

Value Fund

SFIN No: ULIF013010910VALUEFUND0143

70-100%

Equity Composition

To provide high growth opportunities with an objective of long-term capital appreciation through investments primarily in equity and equity-related instruments.

Index Tracker Fund

SFIN No: ULIF012010910INDTRAFUND143

90-100%

Equity Composition

To provide high growth opportunities with an objective of long-term capital appreciation through investments primarily in equity and equity-related instruments.

Equity 1 Fund

SFIN No: ULIF009010910EQUTY1FUND143

80-100%

Equity Composition

To provide long-term capital appreciation with relatively lower volatility by dynamically adjusting the capital allocation between equity and fixed income instruments.

Dynamic Asset Allocation Fund

SFIN No: ULIF012010910INDTRAFUND143

20-80%

Equity Composition

To provide higher growth with reasonable security, by investing primarily in equity instruments and moderate allocation in debt securities/bonds.

Balanced 1 Fund

SFIN No: ULIF011010910BALAN1FUND143

50-70%

Equity Composition

To provide growth opportunities with an objective of long term capital appreciation through investments primarily in equity and equity related instruments and an active management of asset allocation between Equity and Money Market instruments.

Equity Elite Opportunities Fund

SFIN No:

60-80%

Equity Composition

To generate a good level of income and prospects for capital growth through diversified investment in corporate debt instruments, government securities and money market investments.

Debt Fund - Pension

SFIN No: ULIF004161109DEBFUNDPEN143

0-00%

Equity Composition

To provide high growth opportunities with an objective of long-term capital appreciation through investments primarily in equity and equity-related instruments.

Equity Fund - Pension

SFIN No: ULIF002161109EQUFUNDPEN143

80-100%

Equity Composition

To provide higher growth with reasonable security, by investing primarily in equity instruments and moderate allocation in debt securities/bonds.

Balanced Fund - Pension

SFIN No: ULIF006161109BALFUNDPEN143

50-70%

Equity Composition

To provide capital protection with growth at short term interest rates while providing a high level of liquidity.

Liquid Fund - Pension

SFIN No: ULIF008161109LIQFUNDPEN143

0-00%

Equity Composition

Select Year

Disclaimer

Linked Insurance Products are different from the traditional insurance products and are subject to risk factors. The Premium paid in unit-linked life insurance policies are subject to investment risks associated with capital markets and NAVs of the units may go up or down, based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. IndiaFirst Life Insurance Company Limited is only name of the Insurance Company and does not in any way indicate the quality of the contract, its future prospects, or returns.

Please know the associated risks and the applicable charges from your Insurance Agent or the Intermediary or policy document issued by the Insurance Company. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. Past performance may or may not be sustained in future and is not a guarantee of future performance. Some of the contents of this document may contain statements / estimates / expectations / predictions, which may be 'forward looking'.

The actual outcomes could differ materially from those expressed /implied in this document.These statements, do not intend to provide personal recommendation to any specific individual or any investment needs of an individual. The recommendations / statements / estimates / expectations / predictions are of general in nature and may not take into account the specific investment needs or risk appetite or financial situations of individual policyholder / clients. For more details on risk factors and terms and conditions, please read the sales brochure carefully before concluding the sale. Tax benefits are subject to changes in the tax laws.