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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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Ensure a certain & secure future for your loved ones!

Life Insurance Plans by IndiaFirst Life

IndiaFirst Life Insurance offers various types of life insurance plans to meet different goals of your life and to ensure your loved ones' protection. A life insurance policy need not be difficult to understand. At IndiaFirst Life, we take pride in creating life insurance solutions that are simple, affordable, and
effective.

  • Secure your loved ones
  • Build wealth
  • Plan for second inning of your life
  • Invest for your kid’s education
  • Get guaranteed income
  • Enjoy dual benefits of insurance

Explore Our Life Insurance Plans 

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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
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Tax Saving
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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
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Tax Saving
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IndiaFirst Life Radiance Smart Invest Plan

Product Name
IndiaFirst Life Radiance Smart Invest Plan
Product Description

Have you heard of a plan that not only gives you a life cover but also helps in wealth creation? Enjoy 2 benefits in 1 plan with

Product Benefits
  • Zero allocation charges
  • Give you a life cover
  • Covers death caused by accidents
  • Helps in investment optimization
  • Reduce risks
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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 
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IndiaFirst Life Money Balance Plan

Product Name
IndiaFirst Life Money Balance Plan
Product Description

Balanced growth, secured future: A unique unit-linked insurance plan balancing market investments and security.

Product Benefits
  • Automatic fund management for risk balance
  • Life cover with investment growth
  • Systematic switching between equity and debt
  • Tax-efficient ULIP investment
  • Liquidity through partial withdrawals
  • ULIP policy with a safety net
  • Ideal for conservative investors
  • Easy online policy management
  • Assured ULIP life insurance benefits
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IndiaFirst Life Guarantee of Life Dreams Plan

Product Name
IndiaFirst Life Guarantee of Life Dreams Plan
Product Description

Wouldn't it be wonderful if we had a second source of income to support our dreams? Here is a way to make your dreams come true where you can start earning an income from the end of the 1st month itself.

Product Benefits
  • Choice of 3 income Options
  • Guaranteed Long-Term Income
  • Life Insurance Cover
  • Benefits of long-term Savings.
  • Protection even if you miss one premium.
  • Tax benefits
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IndiaFirst Life Fortune Plus Plan

Product Name
IndiaFirst Life Fortune Plus Plan
Product Description

Start a personalized journey with this guaranteed savings life insurance plan that provides flexible premiums, guaranteed survival benefits, and cash bonuses (if declared) along with life insurance cover during the entire policy term of 15 or 20 years. 

Product Benefits
  • Shorter pay commitment of 6,7,8,9 or 10 years. 
  • Get Guaranteed survival benefit.
  • Accumulate benefits with interest.
  • Sum Assured, bonuses*, and interests at maturity.
  • Policy remains effective in your absence (WOP).
  • Flexible premium payments options.
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IndiaFirst Life Smart Save Plan

Product Name
IndiaFirst Life Smart Save Plan
Product Description

Smart saving, smarter investing: Tailor your investments and insurance with this versatile ULIP insurance plan.

Product Benefits
  • Customisable investment strategies
  • Life cover with market-linked returns
  • Multiple fund options for diverse portfolios
  • Flexibility in premium payments
  • Top-up facility for additional investment
  • Tax benefits on premiums and returns
  • Easy switch between funds
  • Secure online policy management
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IndiaFirst Life Mahajeevan Plus Plan

Product Name
IndiaFirst Life Mahajeevan Plus Plan
Product Description

Imagine security, savings and cash flow all bundled up to fit your unique financial needs. 

Product Benefits
  • Life cover of up to 15 or 20 years
  • Periodic Cash backs
  • Flexible payment options
  • Uninterrupted Life Cover
  • Potential Bonus Earnings
  • Money Back Discounts with Early Premium Payments
  • Tax Benefits*
  • Added Protection with Riders
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IndiaFirst Maha Jeevan Plan

Product Name
IndiaFirst Maha Jeevan Plan
Product Description

Enjoy a guaranteed maturity amount, annual bonuses^, flexible life insurance coverage options and potential terminal bonuses. Tailor your coverage to meet your family's financial needs.

Product Benefits
  • Flexible Payouts of 15-25 Years
  • Get guaranteed maturity benefit + bonuses (if declared)
  • Policy remains effective in your absence (WOP).
  • Flexible Premium Payment Options
  • Tax Benefits*
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IndiaFirst Life Long Guaranteed Income Plan

Product Name
IndiaFirst Life Long Guaranteed Income Plan
Product Description

An endowment life insurance plan which guarantees regular income, making it an excellent guaranteed savings plan. 

Product Benefits
  • Short-Term Payments, Long-Term Gains
  • Guaranteed Income to fulfill Financial Goals
  • Lifetime Income Till 99 years of age
  • Premium Payback Assurance
  • Continuous Life Cover without any interruption
  • Enhance with Optional Riders
  • Tax Benefits*
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IndiaFirst Life Cash Back Plan

Product Name
IndiaFirst Life Cash Back Plan
Product Description

A plan that offers guaranteed payouts at regular intervals to meet your specific financial needs.

Product Benefits
  • Pay for shorter period, enjoy long term benefit 
  • Get Periodic Payouts
  • You can stay invested for 9, 12, or 15 years
  • Guaranteed Payouts at regular intervals
  • Receive Guaranteed Additions# after completion of every policy year!
  • Comprehensive Risk Cover
  • Tax Benefits*
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IndiaFirst Simple Benefit Plan

Product Name
IndiaFirst Simple Benefit Plan
Product Description

Introducing a non-linked endowment life insurance plan offering life cover, assured savings, and bonuses on specific events.

Product Benefits
  • Flexible Policy Term
  • Instant Policy Issuance
  • Comprehensive Death Benefit
  • Guaranteed Maturity Payout
  • Tax Benefits*
  • Receive reversionary & terminal bonus (if declared)
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IndiaFirst Life Guaranteed Monthly Income Plan

Product Name
IndiaFirst Life Guaranteed Monthly Income Plan
Product Description

A non-linked, participating, limited premium, life insurance plan which offers guaranteed monthly income and life cover – an ideal blend for your family's security and prosperity.

Product Benefits
  • Guaranteed Monthly income
  • Choose Policy term between 16 to 27 years.
  • Flexible Premium Payment Options
  • Stand to Receive from 105% to 125% of your premiums Annually 
  • Comprehensive Death Benefit
  • Tax Benefits*
  • Receive Simple Reversionary Bonus & Terminal Bonus (if declared)
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IndiaFirst Life Micro Bachat Plan

Product Name
IndiaFirst Life Micro Bachat Plan
Product Description

Save smartly for your future goals with just 5 years of premiums. Get covered for up to 10 or 15 years, ensuring peace of mind for your loved ones.

Product Benefits
  • 5-year premiums for long-term goals 
  • Life cover for an entire year even if one premium is missed 
  • Annual bonuses for boosting savings 
  • Accidental Death Benefit option 
  • Payouts in a lump sum or instalments over 5 years for death benefit 
  • Tax benefits on premiums and maturity amount as per prevailing tax laws 
  • Waiver of Premium Rider option 
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IndiaFirst Life Saral Bachat Bima Plan

Product Name
IndiaFirst Life Saral Bachat Bima Plan
Product Description

A comprehensive savings plan for your family's financial security with guaranteed benefits, shorter payment terms & life cover. 

Product Benefits
  • Long-Term Protection 
  • Shorter Pay Commitment of 5 or 7 years. 
  • Yearly Guaranteed Additions
  • Flexible Death Benefits
  • Receive Additional Sum Assured on Accidental Death
  • Policy Remains Effective in Your Absence (WOP)
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IndiaFirst Life Guaranteed Benefit Plan

Product Name
IndiaFirst Life Guaranteed Benefit Plan
Product Description

A non-linked, limited premium endowment policy with 5/ 6/ 7-year commitment, providing savings, protection, and flexible options to suit your needs. 

Product Benefits
  • Choose Income or Lumpsum Benefit
  • Customize your plan
  • Limited Premium Payment Period
  • Continuous Life Cover
  • Waiver of Premium Rider
  • Tax Benefits* 
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IndiaFirst Life Smart Pay Plan

Product Name
IndiaFirst Life Smart Pay Plan
Product Description

A smart solution designed to offer money-back plan with shorter pay commitments, liquidity, and life cover.

Product Benefits
  • Shorter Premium Payment Period
  • Uninterrupted Life Cover
  • Get 103% of one annual premium as Survival Benefit 
  • Get Sum Assured at Maturity + bonuses (if declared) 
  • Policy remains effective in your absence (WOP) 
  • Tax Benefits*
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IndiaFirst Life Micro Insurance Khata Plan

Product Name
IndiaFirst Life Micro Insurance Khata Plan
Product Description

A simple, secure, micro-life insurance and endowment plan. This savings plan protects your family's needs in case of emergencies, while also ensuring returns on your investment.

Product Benefits
  • Simple and easy to purchase policy 
  • Family financial protection 
  • Guaranteed benefit on maturity 
  • Flexible coverage options 
  • Increase coverage with additional premiums 
  • Assured benefit clarity right at the inception 
  • Tax benefits on premium and maturity amount 
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IndiaFirst Life POS Cashback Plan

Product Name
IndiaFirst Life POS Cashback Plan
Product Description

Plan offers you the best of both worlds: Regular Cashback to enjoy your present and a Guaranteed Maturity Payout to plan your future.

Product Benefits
  • Family security 
  • Regular payouts 
  • Limited premium 
  • Tax benefits 
  • Flexible term options 
  • High risk cover 
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IndiaFirst CSC Shubhlabh Plan

Product Name
IndiaFirst CSC Shubhlabh Plan
Product Description

Enjoy the convenience of smaller savings with IndiaFirst CSC Shubhlabh Plan, a low premium insurance plan that protects your family from life’s uncertainties while growing your investment year on year.

Product Benefits
  • Hassle-free enrollment 
  • Guaranteed extra returns @ 4% p.a. for first 5 years
  • Easy access to funds after 5 years
  • Build wealth & get life cover.
  • Flexible premium payments options.
  • Tax benefits* 
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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. 

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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. 

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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. 

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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. 

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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 
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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. 

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Step 2

Additional Details

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

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Step 3

Get Quote

Quickly generate a quote to calculate your premium or returns. 

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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.

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Step 5

Pay Premium to Activate Cover

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

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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.

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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.

What are the life insurance terms you should know?

Answer

In order to understand life insurance policy details and buy life insurance, there are a few basic life insurance terms you should know.
 

  • Policy holder – When you buy life insurance and make periodic life insurance premium payments, you become a life insurance policy holder. While you own the policy, the life assured within the life insurance cover could be someone else.
  • Life assured – The insured person who has life cover as mentioned in the life insurance policy details.
  • Life insurance premium – The amount you pay to buy life insurance and keep the policy active.
  • Sum assured – The guaranteed sum of money that your nominees/beneficiaries will receive in case of the life insurance policy holder's demise.
  • Death benefit – This is the amount paid to the nominee if the policy holder dies during the policy term. The death benefit and the sum assured are not the same—the death benefit is likely to be higher than the sum assured as it includes rider benefits and bonuses (if any).
  • Survival/maturity benefit – A survival benefit is paid to the policy holder upon completing a pre-determined amount of life policy tenure. In contrast, a maturity benefit is paid when the insured outlasts the life insurance policy term. Pure protection or term life insurance plans do not offer either benefit.
  • Riders – Riders are additional features that can be added to life insurance plans for a fee to expand the scope of the basic life cover policy. Typical life insurance rider options include accidental death benefit rider, accidental total and permanent disability benefit, critical illness cover, and waiver of life insurance premium rider

What are the tax benefits of life insurance plans?

Answer

Life insurance plans are tax-efficient instruments.
 

  • Tax Benefits On Life Insurance Premium Amounts
    Under provisions of the IT Act – Section 80C, you can claim a tax deduction of up to Rs. 1.5 lakhs on premiums paid for life insurance of India. Pension life insurance cover premiums are eligible for deductions under Section 80CCC. A maximum deduction of Rs. 25,000 is allowed under Section 80D for health insurance plans.
  • Tax Benefits On Life Insurance Cover Claims
    One of the best benefits of life insurance plans is that the claims received are tax-free under Section 10(10D).
  • Commuted Pension Tax Benefits
    Under Section 10(10A) of the IT Act, 1/3rd of the sum withdrawn as cash from deferred annuity life insurance policy plans is called commuted pension and is tax-free.

How Much Life Insurance Cover Do You Need?

Answer

Analyze your financial situation—income, liabilities, and future responsibilities before you buy life insurance. Calculate the life insurance cover you need based on your current income, potential growth prospects in terms of salary, current living standards and expenses, projected future living costs, inflation, financial liabilities such as loans, and responsibilities such as children's education and marriage.

What are the factors affecting the life insurance premium?

Answer

The life insurance premium you pay depends on several factors, such as:
 

  • Age – The earlier you buy life insurance online or offline, the lower the life insurance premium will be.
  • Gender – Women tend to live longer than men and are typically offered lower life insurance premium rates.
  • Medical history – Even with no medical life insurance policies, you are required to disclose past medical history and family history of illnesses as it impacts your life insurance premium.
  • Smoking habit – Smokers have a higher mortality rate and tend to contract more illnesses than non-smokers. Life insurance premium amounts reflect risk, so smokers tend to pay a higher life insurance premium.
  • Insurer – Choose a transparent and reliable company offering life insurance plans in India to ensure that you get the most competitive rates

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

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 the benefits of life insurance plans. 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 Options Available In Indiafirst For Life Insurance Plans?

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

Eligibility Criteria

The minimum age at entry is 18 years for self and spouse.

Answer

The minimum age at entry is 18 years for self and spouse.

Minimum age at entry for a child is 0-90 days.

Answer

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.

Answer

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.

Answer

The minimum education qualification is graduation for term plan.

 

The minimum yearly income is 2 Lakh, this may differ basis policy types.

Answer

The minimum yearly income is 2 Lakh, this may differ basis policy types.

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