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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
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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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.
Know More
Tired of complicated insurance? We’ve made it effortless - Introducing IndiaFirst Life app-like tool Calculate, plan, and protect—all from your device. Your future is just a tap away.
Install now!
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Ask an Expert to Buy Life Insurance
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Minimum: 40 years as of last birthday
Maximum: 80 years as of last birthday
Minimum: INR 1,000 per month or INR 12,500 per annum
Maximum: No limit, subject to underwriting
Minimum: INR 100,000
Maximum: No limit
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)
Tax benefits may be available on premiums paid and benefits received as per prevailing tax laws, subject to change.
The annuity rates will depend on the age and annuity option chosen by the member. In case, a member has opted for Joint Life Last Survivor Annuity for Life, the ages of both individuals will be taken into consideration. The annuity amount in such cases will be paid to the members/ beneficiary through the Master Policyholder.
The following enhancement factors will be applicable to annuity rate based on the different bands of purchase price:
| Purchase Price Band | Enhancement Factor |
|---|---|
| INR 1,00,000 to less than INR 2,50,000 | 0.00% |
| INR 2,50,000 to less than INR 5,00,000 | 1.50% |
| INR 5,00,000 to less than INR 10,00,000 | 1.75% |
| INR 10,00,000 and above | 2.50% |
| Annuity Mode | Annuity Amount |
|---|---|
| Minimum Annuity Instalment Per Month | INR 1,000 |
| Minimum Annuity Instalment Per Annum | INR 12,500 |
| Maximum Annuity Instalment | No limit; Subject to Board-approved underwriting criteria, if any |
The minimum annuity payouts shall be in accordance with IRDAI (Minimum Limits for Annuities and Other Benefits) Regulations, 2015, as amended from time to time except for the subscribers of the NPS regulated by PFRDA.
Can you increase your annuity payments?
Yes, your annuity payment amount can be increased through a top-up option.
The annuity option will be the same as opted at the time of purchase.
The additional annuity amount will be based on the top-up amount.
The annuity rate will be based on the age at the time of availing top-up option.
The annuity rate prevailing at the time of top-up will be applicable.
This policy may include the ‘Annuitant’, the ‘Master Policyholder’, the ‘Member’ the ‘Nominee(s)’ and the ‘Appointee’.
Who is an Annuitant?
An Annuitant is a person entitled to receive the payouts. In the case of Joint Life, the Primary Annuitant will initially receive the annuities, while the Secondary Annuitant will receive the annuities, in the event of death of the Primary Annuitant, as opted.
The annuitant has to be between the ages of 40 years to 80 years when entering this policy. In the case of Joint life annuities, the age limits apply to both lives.
Annuitant(s) below the minimum age will only be accepted where the proceeds are from a contract issued or administered by IndiaFirst Life where compulsory purchase of annuity is required.
Who is a Master Policyholder?
A Master Policyholder is the entity or organisation that provides this policy to its customers/members. The Master Policyholder holds the Master Policy.
Who is the Member?
A Member is the customer/employee of the Master Policyholder and is the Annuitant under this policy.
Who is a nominee(s)?
A Nominee(s) is the person entitled to receive the purchase price under the Return of Purchase Price option.
Who is an appointee?
An 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 the nominee(s) is/are minor(s) as on the date of annuity payment.
What is the group size for this policy?
Intended to mainly cover a group of employees on behalf of the employer, the policy is designed for a minimum of five members. There is no limit on the maximum number of members to be covered under this policy.
It is a non-linked, non-participating annuity plan for a group, which can be purchased by a master policyholder for the members/beneficiaries of the group. The guaranteed annuity plan provides you 3 different options to choose from, to get a regular income on a Monthly / Quarterly / Half-yearly / Yearly basis as chosen.
The minimum premium to be paid for this group retirement plan is INR 100,000. The minimum number of members required is 5.
We provide you with 3 different options to provide to your members. The annuity amount in these options will be payable in arrears, immediately after the commencement of the policy as per annuity payment frequency chosen by the annuitant. The details of each are given as follows:
| Annuity Option | Benefits |
|---|---|
| Life Annuity | • The annuity will be payable in arrears for the life of the annuitant • On the death of the annuitant the annuity payments will cease, and no further amount will be payable. |
| Life Annuity with return of 100% of purchase price | • The annuity will be payable in arrears for the life of the annuitant. • On the death of the annuitant the annuity payments will cease and 100% of the purchase price will be payable to the nominee(s) / legal heir of the annuitant. • Policy ceases on payment of death benefit. |
| Joint Life Last Survivor Annuity for Life | • The annuity will be payable in arrears for the life of the last surviving annuitant. • On the death of either annuitant, the annuity payment continues for the other annuitant. • On the death of both annuitants, the annuity payments will cease, and no further amount will be payable. |
There is no grace period in this policy.
You, as the Master Policyholder, may provide the Member with annuity payment options of Monthly, Quarterly, Half-yearly or Yearly frequencies. The Member may choose from these options as per the need. The first annuity payment will be due monthly, quarterly, half-yearly, yearly, in arrears, with respect to the annuity payment mode chosen. The annuity instalment amount will be determined by multiplying the yearly annuity rate with the factors as per annuity frequency chosen. The details are as follows:
| Annuity Payment Frequency | Factor to be multiplied with yearly annuity Rate |
|---|---|
| Yearly | 1 |
| Half-Yearly | 0.49 |
| Quarterly | 0.24 |
| Monthly | 0.08 |
The minimum premium is INR 100,000, with no maximum limit subject to underwriting criteria.
The minimum premium is not applicable for the proceeds from the contract issued or administered by IndiaFirst Life where the compulsory purchase of annuity is required.
The minimum premium should be such that the minimum annuity instalment criteria are fulfilled under any of the available annuity options from IndiaFirst Life.
Tax benefits available on the premium paid are subject to change in accordance with the prevalent tax regulations.
Revival is not applicable under this policy.
You can return the policy document if you disagree with any terms within the first (30 days whether received electronically or otherwise). The policy will be cancelled, and the purchase price will be refunded after deducting any annuity paid and stamp duty.
This policy offers surrender value under all options offering Return of Purchase Price. For more details on Surrender Benefit, please refer the product brochure or policy document available on the company website.
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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.
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