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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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Your insights play a crucial role in helping us improve and enhance our services.
Maximum: 76 Years
Minimum: 10
Maximum: No Limit
Minimum: ₹5,000/per member
Maximum: No Limit Subject to board approved underwriting policy
Minimum: 1 month
Maximum: 30 years
Single: One Time
Limited: 5/7/10 Years
Rugular: 1 Month -30 Years
Regular Premium: Monthly/Quarterly/Half-yearly/Yearly
Limited Premium: Monthly/Quarterly/Half-yearly/Yearly
Single Premium: Onetime payment
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)
You, the Master Policyholder/ Member may choose any of the below benefit options at the inception of the policy term or member cover term.
A. Decreasing cover
B. Level cover
Under this cover type, Sum Assured remains level throughout the term of the cover as per certificate of insurance. Single, Limited and Regular premium payment options are available under this cover. Level cover would be applicable for following scenarios:
1) Interest only loan
2) Member wants to avail a level cover irrespective of loan type for simplicity and wants protection against the possible increase in loan interest rate scenario leading to increase in outstanding loan amount as compared to initial cover schedule.
IndiaFirst LifeGroup Loan Protect Plan is a non-linked, non-participating, group credit linked insurance plan. This product shall be offered to both Employer Employee and Non-Employer Employee groups.
The product offers the following cover types:
The product offers the following benefit options:
This policy includes the ‘Master Policyholder and the ‘Member’. This policy shall be available for both Employer-Employee and Non Employer-Employee groups.
Who is the Master Policyholder?
Master Policyholder is the Regulated Entities shall mean to include –
Other Entities which shall mean the entities other than Regulated Entities as mentioned above.
Who is the Member?
Member is the customer/employee/ member of the Master Policyholder and is the Life Assured under this policy. The benefits are payable on the member’s life.
In case, the Master Policyholder(MPH) has collected the premium from the member before the completion of grace period and has not remitted the same to us (due to any reason), we will continue to provide coverage to that member if the member can prove that he/she had paid the premium and secured a proper receipt leading the member to believe that he/she was duly insured.
We provide you with a grace period during which you can pay your premium in case you miss paying the premium on the due date, for Regular/ Limited premium paying policies. You are provided a Grace Period of 15 days under monthly mode and 30 days for other modes. During the grace period policy or cover will continue as per in-force policy.
In case of death or disability, as the case may be, during grace period, only due premium, if any, before date of occurrence of death or disability will be deducted from the death or disability benefit.
In the event of non-payment of premium due under the policy with in 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.
No, loan is not allowed in this policy
You, the Master Policyholder/ Member can return your policy document/ certificate of insurance 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 document/ certificate of insurance to us stating the reasons thereof, within 15 days from the date of receipt of the policy document/ certificate of insurance. The free-look period for policies purchased through distance marketing or electronic mode will be 30 days.
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.
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, where pro-rata risk premium is the proportionate risk premium for the period of cover
Less ii. Any stamp duty paid
Less iii. Expenses incurred on medical examination, if any
The insurance coverage at member level will cease at the earliest of:
Tailored to meet diverse healthcare needs, this corporate health plan ensures financial security during hospitalisation, disabilities, critical illnesses, and more!
IndiaFirst Group Term Plan provides comprehensive group protection with corporate term insurance, ensuring financial security.
Tailored for groups it stands as a group protection insurance. This group life insurance offers security for all.
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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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