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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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5 to 30 years. Term chosen for the rider should be equal to or less than the term chosen for the base plan to which the rider is attached.
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)
A rider is an add-on benefit to any base insurance plan.
IndiaFirst Term Rider enhances the life cover of the life assured over and above the cover offered under the chosen base plan. In case of the life assured’s unfortunate demise, the nominee will receive the sum assured under the rider along with any death benefit amount under base plan.
| Regular premium | Single premium |
|---|---|
| 5 to 30 years | 5 to 30 years |
Term chosen for the rider should be equal to or less than the term chosen for the base plan to which the rider is attached.
| Minimum sum assured | Maximum sum assured |
|---|---|
| Rs 1,00,000 | Rs 20,00,00,000 |
*The life cover should be in multiples of Rs 1,000. The maximum sum assured under IndiaFirst Term Rider cannot exceed the basic sum assured under the base plan.
The maximum maturity age should not be more than 70 years as on your last birthday or age at maturity under the base plan, whichever is lower.
The eligibility criteria for the policy is as follows-
| Minimum age while applying for the plan | Maximum age while applying for the plan |
|---|---|
| 18 years | 65 Years |
You also stand to get tax benefits on the premiums paid and benefit received as per prevailing Income Tax Laws. Tax benefits are subject to change from time to time as per the Income Tax Act, 1961. Please consult your tax consultant before investing.
If the base policy lapses, then rider policy will cease. If you do not pay your due premiums before the end of the grace period, your policy lapses. You may revive your policy within a specified period by simply paying the pending premium along with interest/Late fees from the due date of first unpaid premium.
You may revive your lapsed policy, as long as you do it within a period of five consecutive years for nonlinked products and three consecutive years for linked products from the due date of the first unpaid regular premium but before the maturity date. The revival is subject to satisfactory medical and financial requirements raised by the Company. The medical cost, if any, is to be borne by you. If you do not revive your policy by the end of the revival period, the policy terminates, and you will not be entitled to receive any benefits.
| Regular premium | Single premium |
|---|---|
| Monthly (through ECS or Direct Debit), six monthly, yearly | One-time payment only |
The rider premiums need to be paid as per the frequency chosen under the base plan. The following premium frequency factors for six monthly and monthly plans will apply on annual premiums.
| Premium frequency | Factor to be applied to annual premium |
|---|---|
| Six-monthly | 0.5119 |
| Monthly | 0.0870 |
Yes, you can return your policy within the Free Look period;
In case you do not agree to the any policy terms and conditions, you have the option of returning the policy to us stating the reasons thereof, within 30 days from the date of receipt of the policy whether received electronically or otherwise.
Do you get any refund when you return your policy?
Yes. We will refund an amount equal to the – Premium paid
Less: i. Pro-rata risk premium for the time the policy was in force
Less ii. Any stamp duty paid
Less iii. Expenses incurred on medical examination, if any
Prohibition of Rebate: Section 41 of the Insurance Act, 1938, as amended from time to time, states:
No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the Plan, nor shall any person taking out or renewing or continuing a Plan accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer. Provided that acceptance by an insurance agent of commission in connection with a policy of life insurance taken out by himself on his own life shall not be deemed to be acceptance of a rebate of premium within the meaning of this sub-section if at the time of such acceptance the insurance agent satisfies the prescribed conditions establishing that he is a bonafide insurance agent employed by the insurer.
In the unfortunate event of the life assured’s demise during the term, the nominee will receive a lump sum amount equal to the sum assured under the IndiaFirst Term Rider.
There is no maturity or survival benefit payable under this rider.
The Premiums should be paid on or before the due dates to avoid any lapsation. You are provided a Grace Period of 15 days under monthly mode and 30 days for other premium payment modes, in case you miss your due premium on the due dates.
All your policy benefits continue during this grace period and the policy will be considered to be in-force.
In case of death due to suicide within 12 months from the date of commencement of risk under the policy or from the date of revival of the policy, as applicable, the nominee or beneficiary of the policyholder shall be entitled to at least 80% of the total premiums paid till the date of death or the surrender value available as on the date of death whichever is higher, provided the policy is in force.
Fraud/ Misstatement would be dealt with in accordance with provisions of Section 45 of the Insurance Act 1938, as amended from time to time.
Section 45 of the Insurance Act 1938, as amended from time to time states
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BEWARE OF SPURIOUS PHONE CALSS AND FICTIOUS/FRADULENT OFFERS
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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12th and 13th Floor, North [C] wing, Tower 4, Nesco IT Park, Nesco Center, Western Express Highway, Goregaon (East), Mumbai – 400063.
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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