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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.
Minimum: 50
Maximum: No Limit
Minimum: Rs. 50,000 per policy
Maximum: No limit
Rs. 1,000
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)
IndiaFirst Group Superannuation Plan is a non-linked, participating, yearly renewable group superannuation Policy. Under this Policy, you, the Master Policyholder can invest your funds kept aside towards your member’s retirement benefits such as Pension in a fund that will help you to–
This policy also offers an assured guaranteed return of 0.5% on an annual basis. However, any additional earnings will be shared through declaration of bonus# at the end of each financial year.
This policy includes the ‘Master Policyholder and the ‘Member’.
Who is the Master Policyholder?
Who is the Member?
The Member is a member of the organization or a part of an organized group. The member is the life assured under this policy. The benefits are payable on the member’s life. The age limits for a member are
| Age | At Entry | At Normal Exit |
|---|---|---|
| Minimum | 18 years as on last birthday | - |
| Maximum | 70 years as on last birthday | 71 years as on last birthday |
What is the group size to whom the cover can be offered?
| Minimum Group Size | Maximum Group Size |
|---|---|
| 10 | No limit |
You, the Master Policyholder will make the contribution on behalf of your members under the policy. Your members can also contribute along with you under Defined Contribution scheme.
Life cover premium will be deducted annually from the contribution or fund.The life cover premium will be Re 1 per 1000 per member per annum under this policy.
What is the minimum and maximum contribution under this policy?
| Minimum Annual Contribution including any Initial Contribution | Maximum Contribution | Maximum Size of the Fund |
|---|---|---|
| Rs . 50,000 | No limit | No limit |
What happens on discontinuance of contribution?
Discontinuance of contribution can happen when the fund is overfunded or in surplus as per Actuary’s certificate submitted by you in accordance with the AS15 (Revised). In such cases, we will allow nil contributions/premiums under the policy and the policy shall not be treated as discontinued. Life cover premium shall be recovered from the fund or contribution. At any point of time if the fund value falls below life cover premiums then policy terminates
Benefit Payable on Surrender
You can surrenderthe policy at any time during the year. Surrender value should be determined by applying market value reduction if any to the account value.
Market value reduction will be applicable for bulk exits and complete surrender. Bulk exits is the amount to be paid on total exits in any event exceeds 25% of the total fund of the scheme at the beginning of the financial year, such transactions shall be treated as Bulk Exits, where exits shall be as per scheme rules and exit shall mean exit of the member from the group.
Yes, you can cancel your policy if you disagree with any of the terms and conditions within the first 15 days (free look period) of the receipt of your policy document. You can return the policy to us, while stating your reasons for the same.
Do you get any refund when you cancel your policy?
Yes. We will refund an amount equal to the - Premium/Contributions paid less:
I. Pro-rata risk premium
ii. Any stamp duty paid
| Type of Charge | Charge Details | Description |
|---|---|---|
| Life Cover Premium | Re 1 per 1000 per member per annum irrespective of the age and gender of the member | This will be charged annually either from the contribution or from the fund |
Are there any taxes applicable? If yes, who bears it?
The applicable taxes will be borne by you, the Master Policyholder.
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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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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