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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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Key features

3 Coverage Options

Flexibility to choose from 3 coverage options Accidental Total Permanent Disability Benefit, Total Permanent Disability, and Partial Permanent Disability due to accident and/or illness.

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Enhanced Risk Cover

Avail additional cover to protect your group members and their family at an affordable price.

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Financial Protection

Financial protection against disability basis the selected option. 

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Tax Benefits

Tax benefits may be available on premiums paid and benefits receivable as per prevailing Income Tax Laws.

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Eligibility Criteria

Age at Entry

Answer

Minimum: 18 Years
 

Maximum: 69 Years

Age at Maturity

Answer

Maximum: 70 Years

Sum Assured

Answer

100% of Base Life cover (Subject to board approved underwriting policy) 

Group Size

Answer

Minimum: 5 members 
 

Maximum: No limit

Policy Term

Answer

Same as base plan

Premium Frequency

Answer

Same as base plan

How people have benefitted from IndiaFirst Life

Hassle-free Onboarding Process

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

Pleasant Online Buying Experience

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

Trusted ally in my financial journey

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)

How can we help?

View All FAQ

Can I get a loan in this policy?

Answer

No, loan is not allowed in this policy. 

What are the tax benefits in this policy?

Answer

Tax** benefits may be available on premiums paid and benefits receivable as per prevailing Income Tax Laws. These are subject to change from time to time as per the Government Tax** laws. Please consult your tax consultant before investing.

What is the IndiaFirst Life Group Disability Rider Plan?

Answer

IndiaFirst Life Group Disability Rider Plan is a nonlinked, non-participating, group rider which may be attached to one-year renewable group and other long term group products, designed to enhance financial security for your members in case of Accidental Total Permanent Disability Benefit (ATPD) or Total Permanent Disability (TPD) due to accident and/or illness or Partial Permanent Disability (PPD) due to accident and/or illness. 

Is there a grace period for missed premiums?

Answer

Grace period will be same as per the base policy and means the specified period of time immediately following the premium due date during which a payment can be made to renew or continue a policy in force without loss of continuity benefits such as waiting periods and coverage of pre-existing diseases. If a valid claim has occurred during grace period, then rider Sum Assured will be paid after deducting due premium. Grace period terms and conditions will be applicable under Regular/ Limited premium payment options 

What are the premiums and premium paying modes available in the policy?

Answer

Premium paying mode depends upon the option selected in the base plan.

Minimum premium would be as per the minimum rider sum insured.

  • The maximum total Rider Premium (which is inclusive of rider extra premium) shall, in no case, exceed
    100% of premiums (including extra premium, if any) payable under the base policy

What if you miss paying your premiums?

Answer

In the event of non-payment of premium due under the policy within the grace period the policy will lapse, and no benefit is payable. The cover will cease, and no further benefits will be payable in case of a lapsed policy. 

What are your options to revive the policy?

The Revival period shall be a period of five years starting from the last premium due date. You can revive your policy within a Revival Period along with the base plan from the date of first unpaid premium subject to applicable Board approved underwriting. There is no revival charge or penal interest/Late fees on revival. If rider has lapsed and notis revivedwithin Revival Period or rider is opted out from base policy, then it cannot be included in the future period of the policy. On revival, if allowed, all due unpaid premium will be collected without any interest/Late fees and cover continues subject to Board approved under writing policy. 

Are there any constraints to revive your policy?

Yes. You can revive your policy as long as you do it within Revival Period as per base policy years from the due date of the first unpaid premium but before the maturity date. The revival is subject to satisfactory medical and financial requirements raised by the Insurer. The medical cost, if any to be borne by you. 

What is the rider term and the premium payment term in the policy?

Answer

The rider term as well as the premium payment term will be same as that of the base plan, subject to a minimum of 1 year and maximum of 5 years (credit linked policies). The rider will not be offered if the term of the rider exceeds outstanding term under the base policy.

Is there any waiting period applicable under this policy?

Answer

There will be a waiting period of 90 days from policy or membership inception or from any subsequent reinstatement.

The waiting period for this benefit is defined as the period starting from policy or membership inception or date of revival during which no Disability benefit due to illness are payable.

Waiting period is not applicable for disability due to Accident. 

What do you receive at the end of the policy term?

Answer

There is no maturity benefit payable under this policy. 

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IndiaFirst Life Group Protection Rider

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Group Protection Rider provides extra layer of life insurance cover to your member & his family in his absence. 

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  • Protection against accidental death
  • Protection against terminal illness
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IndiaFirst Life Group Critical Illness Rider

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Product Description

Get Guaranteed financial cushion for yourself and your family members.

Product Benefits
  • Financial protection against critical illnesses
  • Cover based on number of critical illnesses
  • Get cover up to 50 lakh
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IndiaFirst Life Group Additional Benefit Rider Plan

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IndiaFirst Life Group Additional Benefit Rider Plan
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Product Description

IndiaFirst Life Group Additional Benefit Rider Plan is a non-linked, non-participating, group rider.

Product Benefits
  • Choose from 2 benefit options
  • Risk cover at affordable price
  • Protection against death
  • Tax Advantages
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Why IndiaFirst life

1.6 Crores

Lives secured

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7,000+

BOB & UBI Branches

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5000 crore

Claims settled

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1 Day

Claim settlement assurance.

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Customer Care Number

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8828840199

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+91 22 6274 9898

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