Menu
close
विशेषज्ञ से पूछें arrow
search
mic
close-search

No results for

Check that your search query has been entered correctly or try another search.

जीवन बीमा खरीदने के लिए हमारे विशेषज्ञ की राय लें

हमें यह जानकर बहुत खुशी हुई कि आप अपने परिवार के भविष्य को वरीयता देते हैं। हमारे जीवन बीमा विशेषज्ञ आपके लिए उपयुक्त बीमा प्लान ढूंढने में मदद करेंगे। कृपया अपना विवरण साझा करें ताकि हम आपको कॉल कर सकें।

right-icon-placeholder
right-icon-placeholder
male male

पुरुष

male male

महिला

male male

अन्य

Explore Our Term Insurance Plans 

alt

Products

IndiaFirst Life Plan

Product Name
IndiaFirst Life Plan
Product Description

Protect your family's future with IndiaFirst Life Plan – a plan that caters to your family's protection requirements and offers great benefits to keep your loved ones secure.

Product Benefits
  • Flexible Policy Term Options
  • Guaranteed Death Benefits
  • Choice to Customise Life Coverage
  • Tax Benefits
Porduct Detail Page URL

Get Quote

Product Buy Now URL and CTA Text

Learn More

Dropdown Field
Tax Saving

alt

Products

IndiaFirst Life Guaranteed Protection Plus Plan

Product Name
IndiaFirst Life Guaranteed Protection Plus Plan
Product Description

Need a protection plan that is tailored especially for your needs? Look no further! This plan aims to give you and your family financial security in an easy and convenient way.

Product Benefits
  • Return of Premium Option
  • Affordable ₹1 Crore Cover
  • Flexible Payout Options
  • Lifetime Coverage Till 99 Years
  • Joint Life Benefit
  • Policy remains effective in your absence (WOP)
  • Critical Illness Cover
Porduct Detail Page URL

Get Quote

Product Buy Now URL and CTA Text

Learn More

Dropdown Field
Tax Saving
alt

Products

IndiaFirst Life Guaranteed Single Premium Plan

Product Name
IndiaFirst Life Guaranteed Single Premium Plan
Product Description

Wondering if there is a way to get 7x return on your investments? Your search ends here! With this single payment plan, you can achieve your financial goals. 

Product Benefits
  • Guaranteed 7x returns on investment 
  • One-time payment (Single Pay) 
  • Tax saving benefits 
  • Life Cover that is 1.25 times higher 
Porduct Detail Page URL

Get Quote

Product Buy Now URL and CTA Text

Learn More

Dropdown Field
Guaranteed Returns

Different Types of Life Insurance Policies

Participating (par)

These policies usually have a minimum guaranteed amount that is payable upon death or maturity in addition to the bonuses declared from time to time. The bonuses once declared, accrue to the policy and are guaranteed. 

secure-future

Non-participating (non-par)

These products are also known as term plans, a pure protection plan provides life coverage, spanning 99 to 100 years, for the policy's duration in exchange for a premium to be paid every year. 

low-premium

Non-participating Savings

The are the products that offer benefits that are guaranteed in absolute terms at the beginning of the policy, thereby transferring the risk of guarantees and returns to the insurance company. 

protect-asset

Unit Linked Insurance Plans (ULIP)

It offers a combination of investment and protection where customers have the flexibility to decide the asset classes in which their contributions are invested, depending on their risk appetite. 

protect-lifestyle

Why do I need Life Insurance Plans?

  • One of the fundamental reasons to buy life insurance is to ensure that your family members have financial support in case of your demise.
  • Irrespective of their age, your children will always be your responsibility. Life insurance investment & savings plans help you save for your child’s future. 
  • With the right types of life insurance plans, you can ensure that a second stream of income is created to replace your professional income after retirement.
  • Different types of life insurance plans are connected to different investment instruments that help you achieve your investment and insurance goals. 
  • Life insurance plans provide death benefits or life cover to take care of the debt or liabilities in case something happens to you.
  • Plans that offer life insurance with cash back provide periodic payments which can be used to meet financial contingencies.
  • You get to enjoy the tax benefits on the premium paid and on sum assured under Section 80C and 10(10) D of the Income Tax Act, 1961 
term-work-policy

How to buy a Life Insurance Plan?

Step 1

Basic details

Share your basic details like name, dob, mobile number, gender, person for whom you want to buy the policy, email id etc. 

choose-plan

Step 2

Additional Details

Share life cover, investment, or annuity details as per your goal. 

premium-amount

Step 3

Get Quote

Quickly generate a quote to calculate your premium or returns. 

select-stategy

Step 4

Payment details

You can choose from our online plans and make the payment on the website, or our sales expert will reach out to you to explain the details further.

make-payments

Step 5

Pay Premium to Activate Cover

Finalize your plan, complete details, pay online, and submit documents for instant activation.

premium-amount

Why Choose IndiaFirst Life Insurance Plans?

Our online buying processes, easy payment methods, comprehensive product information, and sales team that helps you choose the best life insurance plans make us your best choice.

category-benefit

Trusted by 1.6 Crore+ Customers for their life insurance policy

Promoted by Bank of Baroda and Union Bank of India

High Claim Settlement Ratio of 97.04%

Seamless Online and Offline Experience

100% Genuine Claims are Settled in 1 day.

Know the Features of Term Insurance

When considering Term Insurance, the first crucial step is to calculate the coverage you need and avoid the pitfall of under-insuring. As life evolves and requirements change, it's essential to safeguard your family adequately. Utilize our Term Plan Calculator to determine the optimal coverage and prioritize your loved ones' financial well-being with the right amount of protection.

Affordable Life Cover

Secure financial protection for yourself and your family at a reasonable cost.

tax-benefit

Tailored Safety

Customize your policy to match your safety needs with a choice of 3 coverage options.

tax-benefit

Flexible Payouts

Nominee receives the death benefit as a lump sum or monthly income based on your selected coverage option.

tax-benefit

Lifetime Coverage

Enjoy coverage for your entire life, with the option to pay premiums for a short duration.

tax-benefit

Sum Assured Enhancement

Easily increase your sum assured during significant life stages, such as Marriage, Home Loan, or childbirth, without additional underwriting.

tax-benefit

Return of Premiums

Get your premiums back through the Return of Premiums Option.

tax-benefit

Smart Life Option

Reduce your sum assured by 50% after reaching a certain age at the end of the policy term.

tax-benefit

Spousal Coverage

Extend coverage to your spouse under a single policy for added peace of mind.

tax-benefit

Why are life insurance riders important for me?

Answer

Life insurance riders can enhance the effectiveness of your basic life insurance plan. Via riders, you can avail better protection and enhanced coverage. Some examples are the waiver of premiums and coverage for terminal illnesses. What kind of rider is important for you will directly depend on your situation. Do take the help of a life insurance calculator to understand how adding riders defines your policy’s purchase value.

What does a life insurance plan not cover?

Answer

The things not covered by a life insurance policy, called as exclusions, depend on the type of policy and the insurer you opt for. Many exclusions may revolve around the cause and the conditions surrounding the demise of the insured individual.

For example, a life insurance policy may not cover the following kinds of situations–

  • Demise due to driving under the influence of intoxicating substances

  • Demise due to engagement in any illegal activity

  • Demise due to HIV/AIDS

  • Demise due to homicide

  • Demise due to natural disasters

  • Demise due to participation in any adventure sport

  • Demise due to participation in any dangerous competitive sport or activity

  • Demise due to pregnancy or childbirth complications

  • Demise due to self-inflicted injury

  • Demise due to undisclosed pre-existing health conditions

At what age should one buy a life insurance policy?

Answer

Ideally, a person should buy a life insurance policy the moment they begin to have people financially dependent on them, such as a parent, spouse, or child. The earlier the purchase made in life, the lower the premiums for the policy will be. At times, the insurance company would need the insured individual to undergo certain medical check-ups to better ascertain their health. Again, the younger the individual undergoing the tests, the lesser the probability of getting any concerning test results and subsequently higher premium values.

Can a disabled person be covered by life insurance?

Answer

Yes. In most cases, a disabled person can be covered by life insurance. However, the policy’s terms and conditions may differ from the more standard inclusions and exclusions. One should consult an expert to explain their situation and then understand what policy would best suit the needs of a disabled person.

Can a life insurance policy cover an individual who smokes?

Answer

Yes. However, for insuring individuals who smoke, the life insurance policy quotes will be higher, since smoking is considered a health hazard. Compare the premium estimates for different plans before zeroing in on one.

Can a person be covered by life Insurance if they’re suffering from a terminal illness?

Answer

Yes, in most cases. A person suffering from a terminal illness will have a higher probability of passing away and facing additional end-of-life medical expenses. Therefore, insurers need all relevant information of the individual beforehand to set the correct terms and conditions for a policy to be purchased and come into effect. As long as all the requirements set by the insurer are met, a person suffering from a terminal illness can avail of life insurance coverage.

Can a person with a pre-existing illness be covered under a life insurance policy?

Answer

Yes, a person with a pre-existing illness can be covered under a life insurance policy. The aspiring policyholder should ensure that all information pertaining to any relevant pre-existing illness is provided to the insurance company. Failure to do so may impact the claim process and the active status of the policy in the future.

Is buying more than one life insurance policy a wise decision?

Answer

It depends on your needs. There is no rule against purchasing more than one policy. One should only ensure that the premium payments involved do not strain their finances. Consider the post-purchase journey as well, where one has to manage different premium payment frequencies and amounts.

For individuals new to life insurance, a single comprehensive policy covering all situations and providing all essential benefits will be much easier to purchase and manage.

What are the benefits of buying a life insurance plan online?

Answer

Buying online life insurance offers many advantages. If you buy life insurance online, you are purchasing directly without paying commission to intermediaries. You can make an informed choice by checking online life insurance policy reviews, comparing types of life insurance policy options, and understanding the benefits of life insurance policies. You get access to online services and 24x7 customer support when you buy online life insurance policy plans. As compared to offline purchasing, you can buy life insurance online quickly, easily, and in a paperless manner.

What are the different life insurance plan options offered by IndiaFirst Life?

Answer

IndiaFirst Life Insurance provides different types of life insurance policy options, including whole life assurance policy, permanent life insurance plans, pure protection life cover, and life insurance investment plans. 

The primary categories or types of life insurance plans offered by IndiaFirst Life include:

  • ULIP - IndiaFirst Life Wealth Maximizer Plan, IndiaFirst Money Balance Plan, IndiaFirst Life Radiance Smart Invest Plan

  • Non-participating savings - IndiaFirst Life Guaranteed Benefit Plan, IndiaFirst Life Cash Back Plan, IndiaFirst Life Long Guaranteed Income Plan, IndiaFirst Life Saral Bachat Bima Plan, IndiaFirst Life e-Term Plus Plan, IndiaFirst Life Guaranteed Pension Plan, IndiaFirst Life ‘Insurance Khata’ Plan, IndiaFirst Life Guaranteed Annuity Plan

  • Participating - IndiaFirst Life Mahajeevan Plus Plan, IndiaFirst Life Micro Bachat Plan, IndiaFirst Life Little Champ Plan, IndiaFirst Life Guaranteed Monthly Income Plan

  • Non-participating protection - IndiaFirst Life Guaranteed Protection Plan

  • Riders - IndiaFirst Life Waiver of Premium Rider, IndiaFirst Term Rider

What are the different options available for life insurance premium payments?

Answer

The options to make life insurance premium payments are many. Some common ones are -

  • Paying every month

  • Paying every quarter

  • Paying twice in a year

  • Paying once in a year

What happens if the insured individual outlives the life insurance policy?

Answer

It depends on the policy that has been purchased. A typical life insurance policy does not offer any benefit if the insured person outlives the policy tenure. However, certain plans are designed to provide benefits upon survival. Consult with an expert to know more about such plans.

What is the meaning of paid-up value in life insurance?

Answer

After a certain period (say 3 to 5 years), upon failure to make the premium payments, a reduced sum assured amount is paid out instead of the actual pre-decided amount at the time of purchase. This reduced amount is said to be a ‘paid-up value’. Upon the passing away of the life insured, for no premium payments made beyond a certain year, the paid-up value is offered to the nominee and not the original sum assured value.

What will happen if a life insurance nominee dies before the insured individual?

Answer

A nominee who passes away will by default be ineligible to claim any entitled benefits from the policy. In such a situation, the policyholder can change the nominee. The details of this process and the subsequent changes and impact on the policy benefits can be discussed with the insurance company and/or an insurance policy expert.

Will I have to pay tax on a life insurance policys maturity benefit?

Answer

No. The maturity benefit is tax-free, courtesy of Section 10(10D) of the Income Tax Act of 1961. Do note that tax laws are subject to change with time, and you will have to keep updating yourself with the latest information in order to make the best use of your policy.

Eligibility Criteria – Life Insurance Plans

At its essence, a life insurance policy is a contract signed between the life insurance provider and a policy holder. To buy a Life insurance plan an individual must meet certain eligibility criteria. 

  • The minimum age at entry is 18 years for self and spouse.
  • Minimum age at entry for a child is 0-90 days. 
  • The maximum age depends on the specific policy. It may differ between 60 to 80 years. 
  • The minimum education qualification is graduation for term plan.
  • The minimum yearly income is 2 Lakh, this may differ basis policy types.

1800 209 8700

Customer Care Number

whatsapp

8828840199

For online policy purchase

call

+91 22 6274 9898

Chat with us on WhatsApp

mail