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Guardian of Life Dreams Term Plan

Offers Life cover for Whole Life or for Limited Term for age 85 years
A special 16% Level Premium Discount for women
Health Management Services worth Up to ₹75,000 p.a.
Choice of Pure Protection or Return of Premium optionKnow More

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Lifetime protection till age 99 years
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Option to get your money back (Return of Premium- ROP)
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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 Plus Plan

Instant Issuance
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No medicals
Tax benefits as per prevailing tax laws

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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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Value Shield Plus

Flexible Premium Payments Options
Life cover for Whole of Life
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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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Guardian of Life Dreams Term Plan

Offers Life cover for Whole Life or for Limited Term for age 85 years
A special 16% Level Premium Discount for women
Health Management Services worth Up to ₹75,000 p.a.
Choice of Pure Protection or Return of Premium option

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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 Plus 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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Value Shield Plus

Flexible Premium Payments Options
Life cover for Whole of Life
Special discounts for Salaried customer and Female Lives
Enhanced coverage with optional comprehensive riders

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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% Premium invested to Maximize Fund Value

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Money Balance Plan

Optimised Investment Strategy
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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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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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Market Linked Returns
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Short-Term Payments, Long-Term Gains
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Lifetime Income Till 99 years of age
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Guarantee Of Life Dreams Plan

Choice of 3 income Options
UpTo 5% Extra Income on Online Purchase
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Option to Choose the date to receive a regular income.

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Growth of Life Dreams Plus Plan

Start income as early as the 1st policy month or defer it up to 10 years
(GPB) Policy benefits continue for your nominee even in your absence
Choose long-term income or whole-life income
Flexibility to choose Life cover option up to 11x

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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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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.
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Guarantee Of Life Dreams Plan

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Life Long Guaranteed Income Plan

Short-Term Payments, Long-Term Gains
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Lifetime Income Till 99 years of age
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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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One-time payment (Single Pay)
Tax saving benefits*
Life Cover that is 1.25 times higher

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Term Rider Plan (non-linked)

Additional Life Cover for up to 5-30 years
Guaranteed Lumpsum Death Benefit
Enjoy Tax Benefits on Premiums You Invest.

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Term Rider (linked)

Additional Life Cover for up to 5-67 years
Lump sum death benefit equal to the sum assured
Enjoy Tax Benefits on Premiums You Invest.

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3 Coverage Options
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Policy Remains Effective in Your Absence (WOP)
10 Critical Illness Cover

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Up to 2 Cr. Additional cover
Protect your loved ones at affordable price.
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Up to 2 Cr. Additional cover over existing policy
Protect your loved ones at affordable price.
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Up to 1 Cr. Additional cover
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Tax Advantages

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Up to 1 Cr. Additional cover
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What are the Documents Required for Term Insurance Purchase & Claims in India

IndiaFirst Life
• 23 Sep, 2026

Explore Term Plans

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Importance of Term Insurance
Essential Documents Required for Term Insurance
Documents Required for Salaried Applicants
Documents Required for Self-employed Applicants
Documents Required for Housewives
Documents Required for NRI Applicants
Why are Documents Required for a Term Plan?
Documents Required for Filing a Term Insurance Claim
Why Is Submitting Proper Documents for Term Insurance Crucial?
Importance of Timely Submission of Documents
Common Mistakes to Avoid
Dealing with Missing Documents
Before You Go module
FAQs

Key Takeaways

Term insurance applications generally require identity, address, age and income proofs, while medical reports may also be required depending on factors such as age, health, lifestyle and coverage.
Document requirements can vary by applicant category, with salaried, self-employed, housewife and NRI applicants potentially needing different income, employment, financial or residency documents.
Submitting complete, accurate and up-to-date documents helps insurers verify your details, assess risk, determine suitable coverage and premiums, and reduce delays during application and claim processing.

Term insurance is a fundamental aspect of financial planning, providing a safety net for your family's future in case of unforeseen circumstances. Knowing what documents are required for term insurance is crucial to ensure a smooth application process and timely approval of your policy. This comprehensive guide will walk you through the essential documents needed for term insurance in India, helping you prepare effectively.

Importance of Term Insurance

It is a type of life insurance that provides coverage for a specified period or "term." If the policyholder passes away during this term, the beneficiaries receive a death benefit. Term insurance is a cost-effective way to secure considerable financial protection. It is a popular choice among individuals looking to protect their family's financial future.

Essential Documents Required for Term Insurance

To streamline the application process for a term insurance plan, it's important to have all the necessary documents ready. These documents help verify your identity, address, age, income, and health status. Here's a detailed breakdown of the documents required for term insurance:

1. Proof of Identity

It is crucial for verifying the applicant's identity. Accepted documents include:

Aadhaar Card

Passport

Voter ID Card

Driving License

PAN Card

These documents help establish your identity and are critical in preventing fraudulent activities.

2. Proof of Address

It confirms your residential address. Acceptable documents include:

Aadhaar Card

Utility Bills (Electricity, Water, Gas)

Bank Statement (Recent)

Passport

Voter ID Card

Ensuring your address proof is up to date is important to avoid any delays in processing your application.

3. Proof of Age

It is necessary to determine the premium and coverage amount for your term insurance policy. Acceptable documents include:

Birth Certificate

Passport

Aadhaar Card

School/College Leaving Certificate

PAN Card

Accurate age documentation is vital for the correct calculation of premiums and benefits.

4. Income Proof

It helps the insurer assess your financial capability and determine the appropriate coverage amount. Documents required include:

Salary Slips (Last 3-6 months)

Income Tax Returns (ITR)

Bank Statements (Last 6 months)

Form 16

These documents ensure you can afford the premium payments and that the coverage amount is adequate for your needs.

5. Medical Reports

They provide information about your health status. These may include:

Medical Examination Reports

Health Check-up Reports

Insurers often require medical examinations to get detailed insights into your health condition, which can impact the premium and coverage.

Documents Required for Salaried Applicants

If you are a salaried employee, the insurer generally asks for documents that establish your regular income and employment. These may include:

Salary slips for the previous three to six months
Form 16 issued by your employer
Income Tax Returns for the previous two or three financial years
Bank statements showing salary credits
Employment certificate or appointment letter, if requested
Identity, address, and age proofs

These documents help the insurer assess your income continuity, premium-paying ability, and eligibility for the chosen sum assured.

Documents Required for Self-employed Applicants

Self-employed applicants may need to provide more detailed financial records because their income may vary from year to year. Commonly requested documents include:

Income Tax Returns for the previous two or three financial years
Computation of income
Audited balance sheet and profit-and-loss account
Bank statements for the previous six to twelve months
GST registration, business registration certificate, or professional licence, where applicable
Identity, address, and age proofs

The insurer may request additional business-related documents depending on the nature of your work, income pattern, and coverage amount.

Documents Required for Housewives

A housewife can apply for term insurance even without an independent income, subject to the insurer’s eligibility and underwriting criteria. The documents commonly requested may include:

Identity, address, and age proofs
Recent photographs
Husband’s or earning spouse’s income documents
Marriage certificate, if requested
Bank statements or details of household income
Existing insurance policy details
Medical reports or examination results, where required

The available sum assured may be determined using factors such as the family’s income, the spouse’s insurance coverage, the applicant’s age, education, and overall financial profile.

The documentation and eligibility requirements for term insurance for a housewife may vary depending on the insurer and the policy selected. Providing complete and accurate documents can help facilitate the application and underwriting process.

Documents Required for NRI Applicants

Non-resident Indians may be able to purchase term insurance in India, subject to the insurer’s rules and applicable regulations. They may be asked to provide:

A valid passport
PAN card
Overseas address proof
Indian address proof, where applicable
Visa, residence permit, or work permit
Recent photographs
Overseas employment and income documents
Income Tax Returns or equivalent tax documents
Indian and overseas bank statements
Foreign Account Tax Compliance Act and Common Reporting Standard declarations
Medical examination reports, if required

Documents issued outside India may need to be attested by an Indian embassy, consulate, notary, or another authorised institution. Requirements can vary according to the applicant’s country of residence and the insurer’s underwriting policy.

Why are Documents Required for a Term Plan?

Documents are needed when purchasing term insurance, as they help in creating trust and verification between you and the insurance provider.

Help in Risk Assessment

The main reason there are documents required for term insurance is the need to allow the insurer to carry out a thorough risk assessment.

The insurer uses the various documents to verify your identity, age, income, and health status. This helps the insurer determine the premium for your policy. For instance, when applying for a ₹1 crore term insurance cover, your income proofs show that you are capable of affording the costs of such a plan. The proof also helps the insurer recommend a sum assured suitable for your financial standing. You can also use a term insurance calculator to get an estimate of the premiums for your plan, and choose the right sum assured as per your budget.

Fraud Prevention

By submitting the required term insurance documents, you also do your bit in preventing insurance fraud. The correct documents ensure compliance with Know Your Customer (KYC) norms.

Documents like Aadhaar card, PAN card, and address proof help in establishing your identity and prevent misrepresentation. Similarly, medical documents can provide the insurer with important information about your health statistics, so that they can offer the right coverage terms for you and your loved ones.

Using a term insurance calculator can give you an estimate, but final premium approval depends on the insurer verifying the documents. This process protects both parties - it ensures you get the right coverage while allowing the insurer to maintain fair pricing for all policyholders.

Documents Required for Filing a Term Insurance Claim

The documents required for term insurance claims can be categorised as follows:

Primary Claim Documents:

Duly filled and signed claim form provided by the insurer.

Original policy document.

Death certificate of the life assured (original copy issued by the municipal authority).

Proof of identity of the nominee/claimant (Aadhaar Card, PAN Card, Passport, or Voter ID) and proof of address.

Medical & Incident-Related Documents (as and when applicable):

Physician's statement or medical records from the treating hospital.

For accidental death: A copy of the First Information Report (FIR) and the post-mortem report.

For unnatural death: Police report.

Financial Documents:

Nominee's bank account details and a cancelled cheque for the direct transfer of the claim amount.

Discharge form from the hospital, if the policy had a critical illness rider and the claim is being made under it.

There might be additional documents required by the insurer, depending on the claim. It is advisable to provide the required documents at the earliest to ensure a steady, hassle-free claim process.

You can keep the various term insurance documents required for a claim ready at a safe place, which your nominee is aware of. It will ensure that the financial benefit from the life insurance policy reaches the nominee without unnecessary delay.

Why Is Submitting Proper Documents for Term Insurance Crucial?

Submitting complete and accurate documents helps the insurer assess your application fairly and issue the policy on appropriate terms. These documents are crucial for term life insurance for several reasons:

Identity verification: KYC documents establish your identity and help prevent impersonation and fraud.
Accurate underwriting: Age, income, occupation, health, and lifestyle information allows the insurer to evaluate the risk and calculate the applicable premium.
Suitable coverage: Income documents help determine whether the requested sum assured is reasonable in relation to your financial profile.
Faster processing: Clear, valid, and up-to-date documents reduce the chances of repeated verification requests or application delays.
Easier claim settlement: Consistent and truthful information can reduce complications when your nominee files a claim.

You must disclose all material information accurately, including existing illnesses, tobacco or alcohol use, occupation-related risks, and existing insurance policies before buying a term life plan. Incorrect or incomplete disclosures may affect the policy or a future claim, subject to applicable law and policy terms.

Importance of Timely Submission of Documents

The timely submission of all necessary documents is crucial for the smooth processing of your term insurance application. Delays in document submission can lead to processing delays, which might postpone the commencement of your coverage. Here are a few tips to ensure timely submission:

Organise Documents in Advance:

Gather and organise all required documents before starting the application process.

Double-check Information:

Ensure all information on the documents is accurate and up to date.

Submit Online:

Where possible, submit documents digitally to speed up the process.

Common Mistakes to Avoid

When applying for a term insurance plan, avoid these common mistakes to ensure a hassle-free process:

Incomplete Documentation:

Ensure all the required documents for term insurance are submitted in full and on time.

Incorrect Information:

Double-check all information provided for accuracy and cross-verify it with the details on your documents.

Ignoring Medical Tests:

Complete any required medical tests promptly to avoid delays.

Dealing with Missing Documents

Losing important documents can be stressful, but most documents can be recovered by following a few steps.

For missing policy documents, immediately contact your insurance provider. They will tell you about the process to obtain a duplicate copy. In most cases, you will have to submit a written application, along with an indemnity bond. A small fee might also be required.

If your KYC documents, like Aadhaar or PAN, are lost, apply for duplicates through the respective government portals. Similarly, bank documents can also be obtained by contacting the nearest branch.

When crucial documents required for term insurance claims go missing, informing the relevant authority at the earliest should be the first step. It is best to follow their guidance on how to proceed.

As a preventive measure, consider maintaining digital copies and a document checklist. These can help ensure your life insurance protection remains accessible when needed

Understanding and preparing the documents required for term insurance is essential for a seamless application process. By having all necessary documents ready and using tools (such as a term insurance premium calculator), you can ensure your application is processed quickly and efficiently. This proactive approach helps secure the financial future of your loved ones without unnecessary delays.

Gathering and organising the documents needed for term insurance is a crucial step in securing a term insurance plan. Ensure you have all the required documents ready to facilitate a smooth application process and timely approval of your policy. This preparation not only helps in faster processing but also ensures you get the best possible coverage for your needs.

Before You Go module

Getting your paperwork in order takes a bit of effort, but it's a one-time task. Your family's financial security shouldn't have to wait on it.

[Calculate your ideal life cover now]

FAQs

Document Loss and Recovery

What should I do if my term insurance policy document is lost?

Immediately inform your insurance provider in writing and apply for a duplicate policy document. You will need to submit a written application, an indemnity bond, and may have to pay a nominal fee. The insurer will guide you through the process ahead.

Can I still file a claim without the original policy document?

Yes, you can file a claim even if your policy document is lost. Inform the insurance company about the missing document while submitting the claim. You will need to provide other necessary documents required for term insurance claims and complete additional formalities (such as signing an indemnity bond) as required by the insurer.

Document Requirements

What is the most important document for term insurance claims?

The death certificate can be considered the most crucial among all term insurance documents required for claim processing. However, all documents (including policy papers, claim forms, and nominee identification) are equally important for smooth claim settlement.

How long does it take to get duplicate policy documents?

Insurance companies issue duplicate term policy documents within 10-12 days of receiving your complete application with all required supporting documents and fees.

What documents are required to purchase term insurance?

You will generally need identity, address, age, and income proofs, along with recent photographs and a completed proposal form. Medical reports may also be required depending on your age, health, lifestyle, and selected coverage.

Are income documents compulsory for term insurance?

Income proof is commonly required because it helps the insurer assess your eligibility for the requested sum assured and your ability to pay the premiums. The exact requirements can differ by insurer, applicant category, and coverage amount.

Can a housewife purchase term insurance without income proof?

A housewife may be eligible for term insurance even without an independent income. The insurer may instead assess the earning spouse’s income, family finances, existing coverage, education, age, and other underwriting factors.

What income proof can a self-employed applicant provide?

Self-employed applicants may provide Income Tax Returns, audited financial statements, computations of income, bank statements, GST records, or business registration documents. Requirements vary according to the insurer and requested coverage.

Can NRIs apply for term insurance in India?

Yes, NRIs may apply for term insurance in India, subject to the insurer’s eligibility rules and applicable regulations. Passport, visa, overseas address, income, employment, bank, tax, and medical documents may be required.

Is an Aadhaar card compulsory for purchasing term insurance?

Aadhaar may be accepted as identity and address proof, but the insurer may also accept other officially valid documents. Applicants should check the insurer’s current KYC requirements.

Can I submit term insurance documents online?

Many insurers accept documents through their online application process. The copies must be clear, valid, complete, and in the prescribed format. Physical verification or additional documents may still be requested.

Can a term insurance claim be filed without the original policy document?

A claim can generally still be initiated if the original policy document is unavailable. The claimant should notify the insurer and complete any additional requirements, such as submitting a declaration or indemnity bond.

How long does it take to receive a duplicate policy document?

There is no single standard timeline applicable to every insurer. The time taken depends on the insurer’s process and whether the request, supporting documents, declarations, and applicable fee have been submitted correctly.

What are the Documents Required for Term Insurance Purchase & Claims in India

Importance of Term Insurance

Essential Documents Required for Term Insurance

Documents Required for Salaried Applicants

Documents Required for Self-employed Applicants

Documents Required for Housewives

Documents Required for NRI Applicants

Why are Documents Required for a Term Plan?

Documents Required for Filing a Term Insurance Claim

Why Is Submitting Proper Documents for Term Insurance Crucial?

Importance of Timely Submission of Documents

Common Mistakes to Avoid

Dealing with Missing Documents

Before You Go module

FAQs

Are you an employee of IndiaFirst Life?

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What are the Documents Required for Term Insurance Purchase & Claims in India

Importance of Term Insurance

Essential Documents Required for Term Insurance

Documents Required for Salaried Applicants

Documents Required for Self-employed Applicants

Documents Required for Housewives

Documents Required for NRI Applicants

Why are Documents Required for a Term Plan?

Documents Required for Filing a Term Insurance Claim

Why Is Submitting Proper Documents for Term Insurance Crucial?

Importance of Timely Submission of Documents

Common Mistakes to Avoid

Dealing with Missing Documents

Before You Go module

FAQs

Are you an employee of IndiaFirst Life?

Related Articles

Importance of Term Insurance

Essential Documents Required for Term Insurance

1. Proof of Identity

2. Proof of Address

3. Proof of Age

4. Income Proof

5. Medical Reports

Documents Required for Salaried Applicants

Documents Required for Self-employed Applicants

Documents Required for Housewives

Documents Required for NRI Applicants

Why are Documents Required for a Term Plan?

Help in Risk Assessment

Fraud Prevention

Documents Required for Filing a Term Insurance Claim

Primary Claim Documents:

Medical & Incident-Related Documents (as and when applicable):

Financial Documents:

Why Is Submitting Proper Documents for Term Insurance Crucial?

Importance of Timely Submission of Documents

Organise Documents in Advance:

Double-check Information:

Submit Online:

Common Mistakes to Avoid

Incomplete Documentation:

Incorrect Information:

Ignoring Medical Tests:

Dealing with Missing Documents

Before You Go module

FAQs

Document Loss and Recovery

What should I do if my term insurance policy document is lost?

Can I still file a claim without the original policy document?

Document Requirements

What is the most important document for term insurance claims?

How long does it take to get duplicate policy documents?

What documents are required to purchase term insurance?

Are income documents compulsory for term insurance?

Can a housewife purchase term insurance without income proof?

What income proof can a self-employed applicant provide?

Can NRIs apply for term insurance in India?

Is an Aadhaar card compulsory for purchasing term insurance?

Can I submit term insurance documents online?

Can a term insurance claim be filed without the original policy document?

How long does it take to receive a duplicate policy document?

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