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Spouse cover: Maximum 50% of the original cover
Term cover: 100% of Base Life cover (Subject to board approved underwriting policy)
Same as base plan
Same as base plan
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)
The sum insured in the policy will be as decided by you or your member as per the need. However, the minimum sum insured would be the base plan’s minimum sum insured or Rs. 5000, whichever is lower of the two.
| Rider Option | Maximum per Life |
|---|---|
| Spouse Cover | Rider attached with IndiaFirst Group Term Life Plan: 1 Cr* Rider attached with IndiaFirst Life Group Credit Life Plus Plan: 2 Cr* |
| Term Rider | Base Life cover subject to Board approved underwriting policy |
Note:
IndiaFirst Life Group Additional Benefit Rider Plan is a non-linked, 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 an unfortunate event.
There are two rider options in the policy which the Master Policyholder/ Member can choose at the inception of the cover commencement:
| Rider Options | Coverage Option | Description | Details |
|---|---|---|---|
| Group Additional Benefit Rider | Spouse Cover Benefit | 100% Rider Sum Insured paid out on the death of the spouse during the term of the policy | In the event of death of the spouse during the term of the rider, the beneficiary would receive a lump sum benefit equal to rider Sum Insured Spouse cover is limited to a maximum of 50% of Member’s Death cover |
| Term Rider Benefit | 100% Rider Sum Insured paid out Death during the term of policy | This option provides a lump sum benefit equal to rider Sum Insured in the event of the death of the member during the term of the rider. The rider terminates once the full amount is paid to the beneficiary. Term Rider benefit is not applicable under IndiaFirst Life Group Credit LifePlusPlan |
Note: For transgender lives, if any, male rates will be applicable
You as a Master policyholder can choose any one or both of the above options.
The rider term as well as the premium payment term will be same as that of the base plan. The rider will not be offered if the term of the rider exceeds outstanding term under the base policy.
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
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 not is revived within 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.
There is no maturity benefit payable under this policy.
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.
No, loan is not allowed in this policy.
Get Guaranteed financial cushion for yourself and your family members.
Tailored to meet diverse healthcare needs, this corporate health plan ensures financial security during hospitalisation, disabilities, critical illnesses, and more!
Tailored for groups it stands as a group protection insurance. This group life insurance offers security for all.
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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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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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