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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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Explore Our Term Insurance Plans 



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



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


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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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. 


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. 


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. 


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. 


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 

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. 


Step 2

Additional Details

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


Step 3

Get Quote

Quickly generate a quote to calculate your premium or returns. 


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.


Step 5

Pay Premium to Activate Cover

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


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.


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.


Tailored Safety

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


Flexible Payouts

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


Lifetime Coverage

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


Sum Assured Enhancement

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


Return of Premiums

Get your premiums back through the Return of Premiums Option.


Smart Life Option

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


Spousal Coverage

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


What are the life insurance terms you should know?


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?


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?


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?


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?


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?


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 – 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.

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