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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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Rs. 5,000
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)
This plan will have an optional life cover of INR 5000 per member.
This policy can be availed by the ‘Master Policyholder forthebenefitsofits ‘Member’
Who is the Master Policyholder?
Who is the Member?
The Member is a member of your organization or a part of an organized group. The member is the life assured under this policy.
The age limits for a member are –
| Age | At Entry | At Exit |
|---|---|---|
| Minimum | 18 years as on last birthday | - |
| Maximum | 75 years as on last birthday | 76 years as on last birthday |
What is the group size to whom the cover can be offered?
| Minimum Group Size | Maximum Group Size |
|---|---|
| 10 members | No limit |
A premium of Rs.1 per 1000 Sum Assured per member per annum will be charged. There is an optional fixed life cover of INR 5000 under this plan. In case life cover premium is not received before completion of policy year the life cover will lapse. To revive or continue life cover, Master Policyholder or member will pay all due life cover premiums without any interest before the completion of policy year.
What is the minimum contribution under this plan?
| Minimum Initial Contribution |
|---|
| INR 1,00,000 |
Is there any surrender benefit in the plan?
You can surrender the policy at any time during the year. There are no surrender charges in this plan. Surrender value should be determined by applying market value reduction, if any, to the account value. Market Value Reduction will be applicable on Bulk Exit and complete surrender. If in any financial year the accumulated withdrawal amount is more than 25% of the fund at the beginning of that financial year then it will be considered as Bulk Exit. Market Value Reduction will be applicable on withdrawals over 25% of account value at the beginning of the policy year, except in case of withdrawals due to death and retirement.
Market value reduction will apply when the sum of market value of the assets for all schemes under this product is less than the sum of book value of the assets for these schemes as appearing in the scheme accounts. Market value reduction will be expressed as a percentage of fund value and will be calculated by the formula
Max {( 1-(Market values of assets for all scemes under this product)/(Book values of assets for all scemes under the product))x100,0}
Book value means account value which is calculated as contribution less exits plus , non-zero positive interest credited.
The extent of liability of the insurer is maximum up to the account value of the scheme.
You can cancel this Policy if you disagree with any of the terms and conditions of this Policy within the 15 days of receipt of your Policy document. You are required to send us the original Policy document and a written request stating the reasons for cancellation, post which we will refund your Premium after deducting the pro rata risk Premium; if live cover opted for and stamp duty charges.
| Type of Charge | Mortality Charge Details | Description |
|---|---|---|
| Life Cover Premium | Rs. 1 per 1000 Sum Assured per member per annum irrespective of the age & gender of the member | This will be explicitly collected from Master Policyholder/ Member |
You, the master policyholder and your member may be eligible for tax benefits as per applicable tax laws which can be modified from time to time. However, you are advised to consult your tax consultant.
A yearly renewable life policy, Pradhan Mantri Jeevan Jyoti Bima Yojana is available to anyone with a savings bank account.
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IndiaFirst Group Term Plan provides comprehensive group protection with corporate term insurance, ensuring financial security.
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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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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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