टर्म इंश्युरन्स प्लान्स
उत्पन्नावर आधारित टर्म प्लान्स
टर्म इंन्श्योरेन्स कव्हरेज पर्याय
प्रत्येकासाठी टर्म इंन्श्योरेन्स
कव्हरेज सर्व वयासाठी टर्म इंन्श्योरेन्स
टर्म इंन्श्योरेन्स केलक्युलेटर
टर्म इंन्श्योरेन्स रायडर्स
बचत प्लान्स
युलिप प्लान्स
सेवानिवृत्ती आणि पेन्शन प्लान्स
गेरेन्टीड रिटर्न्स प्लान्स
टर्म इंन्श्योरेन्स प्लान्स
लाइफ इंन्श्योरेन्स रायडर
ग्रुप आणि कॉर्पोरेट लाइफ इंन्श्योरेन्स प्लान्स
चाइल्ड इंन्श्योरेन्स प्लान्स
इन्व्हेस्टमेंट केलक्युलेटर
इंन्श्योरेन्स केलक्युलेटर
आरोग्य केलक्युलेटर
फिनान्शिअल प्लेननिंग केलक्युलेटर
ज्ञान केंद्र
ज्ञान केंद्र
क्लेमस
डाउनलोड सेकशन
आमच्यापर्यंत पोहोचा
वेळ निवडा.
तुमच्यासाठी योग्य वेळ आम्हाला सांगा.
लाईफ इंश्युरन्स खरेदी करण्यासाठी तज्ञास विचारा
तुम्ही तुमच्या कुटुंबाच्या भविष्याला प्राधान्य देत आहात हे जाणून आम्ही आनंदी आहोत. सर्वोत्तम इंश्युरन्स प्लान शोधण्यात आमचे लाईफ इंश्युरन्स तज्ञ तुम्हाला मदत करतील. कॉलची वेळ निश्चित करण्यासाठी, कृपया खालील काही तपशील शेयर करा.
पुरुष
महिला
इतर
तुमचे तपशील प्रविष्ट केल्याबद्दल धन्यवाद
तुमच्या मौल्यवान अभिप्रायांमुळे आम्हाला आमची सेवा सुधारण्यात आणि आणखी कार्यक्षम बनवण्यात महत्वाची भूमिका बजावते.
Minimum: 40 years as on last birthday
Maximum: 80 Years as on last birthday
लोकांना इंडियाफर्स्ट लाईफचा कसा फायदा झाला आहे
विनासायास नोंदणी प्रक्रिया
माझ्यासाठी नोंदणीपासून सर्व वैद्यकीय तपासण्यांपर्यंत, इंडियाफर्स्ट लाईफ ने सर्व काही सुकर केले. मी घेतलेल्या प्लॅनची वैशिष्ट्ये माझ्या अपेक्षांप्रमाणे आहेत, जी मला भविष्याबद्दल मनःशांती देतात.
मोहित अगरवाल
(मुंबई, 21 मार्च 2024)
लोकांना इंडियाफर्स्ट लाईफचा कसा फायदा झाला आहे
ऑनलाईन खरेदीचा सुखद अनुभव
इंडियाफर्स्ट लाईफकडून लाईफ इन्शुरन्स पॉलिसी विकत घेणे हा माझ्यासाठी सुखद अनुभव होता. कंपनीच्या प्रतिनिधींसोबत विनासायास संवाद हा वरदानासारखा होता आणि त्याचप्रमाणे अति आवश्यक वैशिष्ट्यांना प्लॅनमध्ये घेणेही.
सत्यम नागवेकर
(मुंबई, 22 मार्च 2024)
लोकांना इंडियाफर्स्ट लाईफचा कसा फायदा झाला आहे
माझ्या आर्थिक प्रवासातील विश्वासू सहकारी
इंडियाफर्स्ट लाईफ रेडियंट स्मार्ट इन्व्हेस्ट प्लॅन ने मला जिंकून घेतले! आर्थिक प्रवासात विश्वासू सहकारी असल्यासारखे आहे. त्याच्या फंड स्विचच्या फ्लेक्झिबल पर्यायांमुळे, मी जसा विचार केला होता त्याप्रमाणे माझ्या गुंतवणुकी करू शकतो. माझ्या गुंतवणुकीवर 20% चे घसघशीत परतावे मिळाले आहेत! नोंदणी टीम कडून मिळालेला आधार खूपच सुंदर होता, ज्यामुळे माझी खरोखरच काळजी घेत असल्याचे आणि आधार दिल्याचे जाणवले.
पौलोमी बॅनर्जी
(कोलकाता, 21 मार्च 2024)
You can return your policy document if you disagree with any of the terms and conditions within the first 15 (fifteen) days of receipt of your Policy document. In case you have bought this Policy through Distance Marketing or electronic mode, then, you may return the Policy within 30 (thirty) days from the date of receipt of your Policy document.
You will need to send us the original Policy document and a written request stating your reasons for cancellation, post which we will cancel the policy and refund your Premium within 15 days of receipt of the request after deducting annuity paid, if any and stamp duty paid.
In case of a contract of compulsory annuity purchase from IndiaFirst Life Insurance Company, the money will not be refunded if the free look option is availed with in free look period however, you can choose to avail another annuity option as available in the product within the free look period.
In case you have purchased this policy out of Transfer proceeds (QROPS) or out of corpus from vesting of your pension policy from any other company, insurer, or institution (including NPS); we will refund the monies directly to the respective account from where purchase price was received. We will not pay you any interest on the monies held by us during this interim period.
The annuity rates will be level and guaranteed for life in absolute terms at the time of purchasing except the Escalating Life Annuity and Escalating Life Annuity with Return of Purchase Price option. Such annuity amount shall become payable as long as the annuitant survives.
The following enhancement factors will be applicable on annuity rate based on the different bands of purchase price:
| Purchase Price Band | Enhancement Factor |
|---|---|
| 1,00,000 to less than 2,50,000 | 0.00% |
| 2,50,000 to less than 5,00,000 | 1.50% |
| 5,00,000 to less than 10,00,000 | 1.75% |
| 10,00,000 and above | 2.50% |
Tax benefits (if any) may be available on premiums paid and benefit receivable 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 purchasing an annuity.
Revival is not applicable under this policy.
Since this is a single pay plan, all premiums are payable in a Lump sum at the start of the Policy. Hence, no grace period is applicable under this plan.
This is a non linked, non participating, annuity plan. The plan provides you 12 different options to choose from, to get a - regular income on a Monthly / Quarterly / Half-yearly / Yearly basis as chosen. This policy is available for both, our existing as well as new customers.
| Product Snapshot | |
|---|---|
| Age at entry (First Annuitant) | Minimum: 40 years as on last birthday Maximum: 80 years as on last birthday |
| Premium (Purchase Price) | Minimum: INR 100,000 Maximum: No limit |
| Annuity Amount | Minimum: INR 1,000 per month Maximum: No limit subject to underwriting |
This policy may include the ‘Annuitant’, the ‘Nominee(s)’ and the ‘Appointee’.
Who is an Annuitant?
An Annuitant is person entitled to receive the payouts. In case of Joint Life, the Primary Annuitant will initially receive the annuities, while the Secondary Annuitant will receive the annuities, in the event of death of the Primary Annuitant, as opted.
An annuitant has to be –
| Minimum Age | Maximum Age | |
|---|---|---|
| First Annuitant | 40 years as on last birthday (45 years in case of Deferred Life Annuity with return of Purchase Price and Deferred Life Annuity) | 80 years as on last birthday |
Who is a nominee(s)?
Nominee(s) is the person entitled to receive the purchase price under Return of Purchase Price option or Annuities under Annuity Certain option when the life assured has died before the end of chosen certain period.
Who is an appointee?
Appointee is the person to whom the proceeds/benefits secured under the Policy are payable if the benefit becomes payable to the nominee(s) and nominee(s) is minor as on the date of annuity payment.
We provide you with 12 different options to purchase an annuity as per your requirements. The annuity amount in these options (except for Deferred Annuity options i.e. Option 6 & 7), will be payable in arrears, immediately after the commencement of the policy as per annuity payment frequency chosen by you, the annuitant. For Option 6 & 7, annuity is payable in arrears immediately after the completion of deferment period The details of each are as given below –
| S.No. | Annuity Option | Benefits |
|---|---|---|
| 1. | Life Annuity |
|
| 2. | Life Annuity with return of 100% of purchase price |
|
| 3. | Joint Life Last Survivor Annuity for Life |
|
| 4. | Joint Life Last Survivor Annuity for Life with return of 100% of purchase price |
|
| 5. | Annuity Certain for a period of 5,10,15 years and Life thereafter |
|
| 6. | Deferred Life Annuity where deferment period is 5 to 10 years |
|
| 7. | Deferred Life Annuity with Return of Purchase Price where deferment period is 5 to 10 years |
|
| 8. | Life Annuity with Return of Purchase Price on diagnosis of Critical Illness or Death |
|
| 9. | Life Annuity with Return of Purchase Price in parts |
|
| 10. | Escalating Life Annuity |
|
| 11. | Escalating Life Annuity with Return of Purchase price |
|
| 12. | NPS – Family Income |
|
Let’s take an example:
Rakesh, 60 years, took a voluntary retirement from his reputed job to take time off and follow his dream of writing. He wants to buy an annuity from his retirement corpus. He has invested in the IndiaFirst Life Guaranteed Annuity Plan to:
Note :- The Purchase Price is paid at the beginning of the policy year and all the policy benefits are paid at the end of the chosen benefit frequency.
| Annuity Mode | Annuity Mode |
|---|---|
| Minimum Annuity installment per month | INR 1,000 |
| Minimum Annuity installment per annum | INR 12,500 |
| Maximum Annuity installment | No limit subject to Board approved Underwriting criteria, if any. |
Can you increase your annuity payments?
Yes; you can increase your annuity amount through top-up option.
You may choose to receive your annuity payments in Monthly, Quarterly, Half-yearly or Yearly frequencies as per your need. The first annuity payment will be due on monthly, quarterly, half-yearly, yearly, in arrear, with respect to the annuity payment mode chosen. Annuity instalment amount will be determined by multiplying the yearly annuity rate with the factors as per annuity frequency chosen as per below table:
| Annuity Payment Frequency | Factor to be multiplied with yearly annuity Rate |
|---|---|
| Yearly | 1 |
| Half-Yearly | 0.49 |
| Quarterly | 0.24 |
| Monthly | 0.08 |
The premium (purchase price) in this policy is a one-time payment, as per below given limits.
| Minimum Premium | Maximum Premium |
|---|---|
| Rs 100,000 | No limit |
तुम्ही अशा एखाद्या प्लान बद्दल ऐकले आहे का, जो तुम्हाला लाईफ कव्हरसोबत संपत्तीच्या निर्माणात देखील मदत करतो? 1 प्लानमध्ये 2 लाभांचा इंडियाफर्स्ट लाईफ रेडियन्स स्मार्ट इनव्हेस्ट प्लानसोबत आस्वाद घ्या.
आपल्या स्वप्नांना पाठिंबा द्यायला जर आपल्याकडे उत्पन्नाचा दुसरा स्त्रोत असेल तर किती चांगले होईल नाही का? तुमच्या स्वप्नांना सत्यात आणण्याचा हा एक मार्ग आहे, ज्यायोगे तुम्ही 1ल्या महिनाअखेरीपासून उत्पन्न मिळवण्यास सुरुवात करु शकता.
इंडियाफर्स्ट लाईफ गॅरंटेड रिटायरमेंट प्लानसोबत तणावमुक्त निवृत्ती मिळवा. तुमच्या वित्ताच्या जडणघडणीसाठी हा ठोस परताव्यांचे वचन देण्यासोबत तुम्हाला तुमच्या पध्दतीने अधिकाधिक बचतीची मुभा देतो. अतिरिक्त लाभ आणि टॅक्स पर्क्ससोबत तुमच्या बचतींना वृध्दिंगत करा.
आमच्या गॅरंटेड ॲन्युइटी प्लानसोबत मन:शांती तसेच आर्थिक स्थिरता मिळवा. या प्लानची रचना तुमच्या समृध्द भविष्याला संरक्षित करण्यासाठी विशेष स्वरुपात करण्यात आली असून सोबत तुमच्या हयातभर नियमित उत्पन्नाची खात्री दिली जाते.
सर्व पहा
Protect your family’s future.
Hi, great to know that you want to build a legacy for your family, let us understand your requirements better.
Nice to meet you <first name>
Great, when do you celebrate your birthday?
How much do you earn annually?
What is the insurance cover amount you are looking for?
You are just one step away to get your personalized quotation. Please help us with the below information:
Build a legacy for your family.
Hi, great to know that you want to become the wind beneath your child’s wings. Let us understand your requirement better:
Nice to meet you <first name>
Great, when do you celebrate your birthday?
How much do you earn annually?
What is the insurance cover amount you are looking for?
You are just one step away to get your personalized quotation. Please help us with the below information:
Build wealth for your child’s future.
Hi, great to know that you want plan for your comfortable and super fun retirement, let us understand your requirements better.
Great to know that! <name> is identified as?
Great, when do you celebrate your birthday?
How much do you earn annually?
What is the insurance cover amount you are looking for?
You are just one step away to get your personalized quotation. Please help us with the below information:
Plan for your golden retirement years
Hi, great to know that you want to plan for your second income, let us understand your requirements better.
Nice to meet you <first name>
Great, when do you celebrate your birthday?
How much do you earn annually?
What is the insurance cover amount you are looking for?
You are just one step away to get your personalized quotation. Please help us with the below information:
Plan for your second income
Hi, great to know that you want invest for your dream house, let us understand your requirements better.
Nice to meet you <first name>
Great, when do you celebrate your birthday?
How much do you earn annually?
What is the insurance cover amount you are looking for?
You are just one step away to get your personalized quotation. Please help us with the below information:
Buy your dream house.
Hi, great to know that you are planning for your family’s future, let us understand your requirements better.
Nice to meet you <name> , What do you identify as?
Great, when do you celebrate your birthday?
How much do you earn annually?
What is the insurance cover amount you are looking for?
You are just one step away to get your personalized quotation. Please help us with the below information:
Life+ वृत्तपत्राची सदस्यता घेतल्याबद्दल धन्यवाद!
तुमचा इनबॉक्स रहा - अनेक उत्तम गोष्टी तिथे मिळणार आहेत
फसवे फोन कॉल्स आणि काल्पनिक/फसव्या ऑफर्सपासून सावध रहा
IRDAI किंवा तिचे अधिकारी विमा पॉलिसी विकणे, बोनस जाहीर करणे किंवा प्रीमियमची गुंतवणूक यासारख्या कृतींमध्ये गुंतत नाहीत. असे फोन कॉल्स येणाऱ्या लॊकांनी पोलिसांकडे तक्रार नोंदवावी अशी विनंती केली जाते.
आम्हाला फॉलो करा
नोंदणीकृत कार्यालय
12वा आणि 13वा मजला, नॉर्थ [सी] विंग, टॉवर 4, नेस्को आयटी पार्क, नेस्को सेंटर, वेस्टर्न एक्सप्रेस हायवे, गोरेगाव (पूर्व), मुंबई - 400063.
आयआरडीएआय माहिती
आयआरडीएआय नोंदणीकृत क्र. 143 | सीआयएन: U66010MH2008PLC183679 वर दर्शवलेला ट्रेड लोगो आमचे प्रमोटर्स आणि शेयरधारकांपैकी एक बँक ऑफ बडोदाशी संबंधित आहे आणि लायसन्स अंतर्गत इंडियाफर्स्ट लाईफ इंश्युरन्स कंपनी लिमिटेड द्वारे वापरला जात आहे.
जोखिम कारक, संबंधित नियम व अटीं आणि अपवादांविषयी अधिक तपशीलांसाठी, कृपया विक्री पूर्ण करण्याआधी उत्पादनाचे ब्रोशर काळजीपूर्वकपणे वाचा.
ग्राहक 
वितरक 
कर्मचारी 
