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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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90 days
Immediate Income and Intermediate Income Option:
For PPT 6 – 50 years
For PPT 8 and 10 – 55 years
Deferred Income Option:
For PPT 6 – 50 years
For PPT 8 and 10 – 60 years
30 years
90 years
Yearly: 48,000
Half Yearly: 24,571
Quarterly: 12,432
Monthly: 4,176
Minimum: 4,80,000
Maximum: No Limit, as per Board Approved Underwriting Policy
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)
This is a non-linked, non-participating, individual savings limited premium paying life insurance plan which offers a shorter pay commitment of 6, 8 or 10 years and provides regular income for 30 or 40 years along with a Life Cover to ensure your loved ones stay protected. Not just this, the policy will also ensure, continuation of your life cover benefit even in case you miss to pay one premium, thus protecting your family with a continued life cover for one year.
There are three Income options in this plan. Income option, Policy Term, Premium Payment Term and Annualized Premium amount chosen at inception can’t be subsequently change.
| Income Option/ Income Payment Frequency | Yearly | Half-yearly | Quarterly | Monthly |
|---|---|---|---|---|
| Immediate Income Option | End of 12th Month | End of 6th Month | End of 3rd Month | End of 1st Month |
| Intermediate Income Option | End of 60th Month | End of 54th Month | End of 51st Month | End of 49th Month |
| Deferred Income Option | End of 120th Month | End of 114th Month | End of 111th Month | End of 109th Month |
Note: All benefits will be payable in arrears, i.e., at the end of specified frequency.
You can also choose to get your Income in Half-Yearly, Quarterly or Monthly frequency. In that case, the first income instalment payment will be done as follows:
| Income Option/ Income Payment Frequency | Yearly | Half-yearly | Quarterly | Monthly |
|---|---|---|---|---|
| Immediate Income Option | End of 12th Month | End of 6th Month | End of 3rd Month | End of 1st Month |
| Intermediate Income Option | End of 60th Month | End of 54th Month | End of 51st Month | End of 49th Month |
| Deferred Income Option | End of 120th Month | End of 114th Month | End of 111th Month | End of 109th Month |
| Criteria | Minimum | Maximum |
|---|---|---|
| Age at Entry | 90 days | mmediate Income and Intermediate Income Option For PPT 6 – 50 years For PPT 8 and 10 – 55 years Deferred Income Option For PPT 6 – 50 years For PPT 8 and 10 – 60 years |
| Age at Maturity | 30 years | 90 years |
| Premium Payment Terms (PPT, in years) | 6 / 8 / 10 | |
| Policy Term (PT, in years) | 30 / 40 | |
| Premium Payment Frequency and Minimum Premium (Rs.) | Yearly | 48,000 |
| Half Yearly | 24,571 | |
| Quarterly | 12,432 | |
| Monthly | 4,176 | |
| Sum Assured (in Rs.) | 4,80,000 | No Limit, as per Board Approved Underwriting Policy |
Note:
Experience flexibility with our insurance saving plan - Save the Date feature! Unlike other income tax saving schemes, you can opt for annual income payments and select a date within 365 days after the first income due date to receive survival benefits. Align it with any Special Date, be it birthdays or anniversaries. Payouts occur on this chosen date, with an interest of 3.0% p.a. compounded monthly until then. Remember, the last instalment is paid on the Maturity date. Once chosen at the time of inception of the policy, this option remains fixed for the policy term.
Unlock discounts on renewal premiums with this savings policy. Pay premiums at least one month prior to the premium due date till eleven months within the financial year and enjoy savings. The discount rate is calculated based on the 5-year G-Sec bond yield at the quarter's start. Changes require IRDAI approval, and the rate is calculated from the advance premium payment date to the due date in complete months.
Secure your loved ones' future with our life insurance with a savings plan with a Life Cover Continuance Benefit. Even after the first unpaid premium, the full death benefit remains for one year. Options after this period include reviving the policy by paying all due premiums with interest, extending the period by paying one due premium with interest or continuing with reduced paid-up benefits by not paying due premiums.
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
Yes, you have an option to opt for IndiaFirst Life Waiver of Premium (WOP) Rider (UIN : 143B017V01). This rider when opted, supports you, by waiving off the future premiums of your base policy in case the policyholder/ life assured suffers from death, accidental total permanent disability or critical illnesses as defined under the rider basis the rider option as chosen. The options for policyholder/ life assured are as mentioned below.
| OPTION | BENEFIT |
|---|---|
| Waiver of Premium on Death | This option provides benefit of waving all future premiums due and payable under the base policy on Death of the Policyholder (only when life assured and Policy Holder are different individuals under base policy), subject to rider and base policy being in force. |
| Waiver of Premium on Accidental Total Permanent Disability or (diagnosis of) Critical Illness | This option provides the benefit of waving all future premiums due and payable under the base policy on either or simultaneous happening of the following events – Accidental Total Permanent Disability of the rider life assured or on the confirmed diagnosis of the rider life assured suffering from any one of the critical illnesses covered under the rider, subject to rider and base policy being in force. |
| Waiver of Premium on Death or Accidental Total Permanent Disability or Critical Illness | This option provides the benefit of waving all future premiums due and payable under the base policy on earlier happening of either of the following events - Death of the rider life assured or Accidental Total Permanent Disability of rider life assured or on the confirmed diagnosis of the rider life assured suffering from any one of the Critical Illnesses covered under the rider, subject to rider and base policy being in force. To opt for this option, life assured and Policy Holder should be different individuals under base policy |
In case you opt for this rider, premium under this rider shall not exceed 30% or 100% of premium under the base policy depending on the rider option chosen. Additionally, this rider will not be offered if the term of the rider exceeds outstanding Premium Payment Term under the base policy.
You can avail a loan up to 80% of the acquired Surrender Value, if any. The minimum loan amount which can be availed is INR 25,000.
It is advisable to continue your policy to enjoy full benefits of your policy. However, we understand that in certain circumstances you may want to surrender your policy.
Surrender Value is acquired, if you have paid your Premiums for at least first two full policy years.
You may surrender this Policy during the Policy Term, by submitting a written request to us any time after the Policy has acquired the Surrender Value. Please remember, you cannot revive your Policy once it is surrendered.
The amount payable on surrender will be higher of Guaranteed Surrender Value (GSV) and Special Surrender Value (SSV).
The Guaranteed Surrender Value (GSV) will be GSV factor * Total Premiums Paid less sum of all survival benefits and Loyalty Cashback and Guaranteed Cashback, if any, already paid under the policy up to the date of surrender
GSV factors are dependent upon policy year of surrender and policy term.
The Special Surrender Value will be calculated as below:
SSV Factor1 * Max [(Paid-up Sum Assured on Death), (Paid-up Sum Assured on Maturity, minus the survival benefits paid to date)]
plus
SSV Factor2a * (Paid-up Income)
plus
SSVFactor 2b * (Future Loyalty Income, applicable for fullypaid-uppoliciesunderdeferredincomeoption)
plus
SSV Factor3 * [(Paid-up Sum Assured on Maturity)]
plus
SSV Factor4 * [(Paid Up Guaranteed Cashback)]
For more details on guaranteed surrender value factors, please refer to Policy Document or visit our website, www.indiafirstlife.com or get in touch with your financial advisor
Any change in SSV factors is subject to Regulatory approval.
Tax benefits may be available on premiums paid and benefits receivable as per prevailing Income Tax Laws. These are subject to change from time to time as per the Government Tax laws. Please consult your tax consultant before investing.
You may revive your Policy within 5 years from the due date of first unpaid regular premium but before the Maturity Date by:
A Policy will only be revived along with all its benefits in accordance with our board approved underwriting policy. The current interest charged in FY23 for revival is 10.50% p.a. which may be revised from time to time. Any change in revival interest rate is subject to prior approval from IRDAI.
In case of revival of a lapsed policy, all the Survival Benefits payouts as applicable and due while the policy was in lapsed status shall be paid out as lump sum without any interest.
In case of revival of a paid-up policy, all the Survival Benefit payouts as applicable and due for an In-force policy minus any paid-up Survival Benefit payouts already paid while the policy was in Paid-Up status, shall be paid out as a lump sum without any interest.
On revival, all the benefits as per policy Terms and Conditions will be restored as for an in-force policy. If the lapsed Policy is not revived till the expiry of the revival period, the Policy will terminate and you will not be entitled to receive any benefits.
You can return your policy if you disagree with any of the terms and conditions within the first 15 days for all channels except Distance Marketing or electronic mode where it is 30 days from receipt of your policy document. You are required to send us the original Policy document and a written request stating the reasons for cancellation.
Do you get any refund when you cancel your policy?
Yes. We will refund an amount equal to the –
Premium paid
Less: i. Pro-rata risk premium
Less ii. Any stamp duty paid
Less iii. Expenses incurred on medical examination if any
Where pro-rata risk premium is the proportionate risk premium for the period of cover
Distance Marketing includes every activity of solicitation (including lead generation) and sale of insurance products through the following modes: (i) Voice mode, which includes telephone-calling; (ii) Short Messaging service (SMS); (iii) Electronic mode which includes e-mail, internet and interactive television (DTH); (iv) Physical mode which includes direct postal mail and newspaper & magazine inserts; and, (v) Solicitation through any means of communication other than in person
We will pay enhanced Base Income if higher Annualized Premium is chosen by you. The Annualized Premium bands are - 48,000 - 99,999 | 1,00,000 -2,49,999 | 2,50,000 – 4,99,999 | 5,00,000 and above
Navigating missed premium payments is essential to safeguarding your financial stability. In case you miss paying premiums, here's what happens: Whether you have a savings insurance plan or just another life insurance plan, understanding the repercussions is vital.
In case you miss paying premiums, here's what happens:
This policy will acquire a guaranteed surrender value upon payment of the first two years' premiums in full.
If premiums are not paid within the grace period and the policy hasn't acquired a guaranteed surrender value, it will lapse.
Risk cover ceases, and no further benefits are payable. However, you can revive the lapsed policy within the revival period.
If the policy remains lapsed and is not revived during the revival period, it will be foreclosed without paying any benefit.
If you miss paying a premium after the policy has acquired a Surrender Value, you'll be eligible for our Life Cover Continuance Benefit. Refer to section 5 in brochure for details.
In case of non-payment of premium within the grace period, the policy will acquire paid-up value provided at least two full years' premiums have been paid.
A Reduced Paid-Up policy can be revived within five years from the date of the first unpaid premium, subject to conditions.
If the policy in Reduced Paid-Up mode is not revived during the revival period, it will continue in the reduced paid-up mode until maturity, death, or surrender of the policy.
The Reduced Paid-up Sum Assured on death or Maturity, including paid-up benefits income benefits, shall not be less than the total premiums paid under the policy.
Death Benefit: The benefit will be higher of:
Paid-up Sum Assured on Death,
Paid-up Sum Assured on Maturity minus survival benefits paid to date, or
Applicable Surrender Value as on the date of death.
Survival Benefit: Paid-up Income based on Income option and payment frequency chosen at inception and Paid-up Guaranteed Cashback, if applicable, will be payable.
Maturity Benefit: The maturity benefit would be the Paid-up Sum Assured on Maturity.
These provisions ensure that even if premiums are missed, there are options available to maintain the policy's benefits and value.
Regular Premiums can be paid to us by monthly/ quarterly/ half yearly/ yearly payment mode, as selected by you in the Proposal Form. The Premium Payment frequency can be altered at any policy anniversary, subject to meeting minimum premium criteria. The following premium frequency factors will apply on annual premiums:
| Premium Frequency | Factor to be applied on Annual Premium |
|---|---|
| Yearly | 1.00 |
| Half-Yearly | 0.5119 |
| Quarterly | 0.2590 |
| Monthly | 0.0870 |
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.
Income can be taken in Yearly, Half-Yearly, Quarterly or Monthly frequency. Income instalment amount will be determined by multiplying the yearly income with the factors as per table below
| Income Payment Frequency | Factor |
|---|---|
| Yearly | 1.00 |
| Half-Yearly | 0.49 |
| Quarterly | 0.24 |
| Monthly | 0.08 |
The income benefits will be payable in arrears as per the income payment frequency chosen.
At any policy anniversary, income frequency may be altered as per the policyholder preference, by giving advance notice at least one month in advance. This option can be exercised once every 5 years.
You are provided a Grace Period of 15 days under monthly mode and one month but not less than 30 days for other premium payment modes in case you miss your due premium on the due dates. In case of the Life Assured’s death or occurrence of any covered event as per the benefit option chosen during the Grace Period, we will pay the benefit after deducting the unpaid due premiums till date of death or date of the covered event. During this period the policy will be considered in-force.
In all the Income Options, you pay premiums for a certain period and receive regular income till the end of the chosen policy term. The time at which income starts and the increase of income depends on the Income Option chosen.
The amount of income payable has two components:
a. Immediate Income Option:
I. Survival Benefit
Loyalty Income (% Increase in Base Income)
| Premium Payment Term | Policy Year | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | |
| 6 | 0% | 6% | 12% | 18% | 24% | 30% | ||||
| 8 | 0% | 8% | 16% | 24% | 32% | 40% | 48% | 56% | ||
| 10 | 0% | 10% | 20% | 30% | 40% | 50% | 60% | 70% | 80% | 90% |
II. Maturity Benefit
On survival till the end of the policy term provided all due premiums have been paid, Sum Assured on Maturity will be payable.
Where,
Sum Assured on Maturity is equal to the 100% of sum of all Annualized Premium payable under the policy.
Illustration
Savi, a healthy 30 year old and a new mother, wants a second income to cater to the needs of her growing family. She opts to purchase ‘Immediate Income’ Option of IndiaFirst Life Guarantee Of Life Dreams, and chooses to pay an Annual Premium of Rs 1,00,000 annually (excl taxes) for 10 years with a policy term of 30 years. She chooses an Annual Income Payment frequency.
| Premium Payment Term | Policy term | Annual Premium | Base Income (annual) | % increase in Base Income from 2nd year onwards |
|---|---|---|---|---|
| 10 years | 30 years | Rs 1,00,000 | Rs 22,153 | 10% every year |
Income payable to Savi will increase every year till the end of the Premium Payment Term (PPT), provided all the due premiums for that respective year have been paid. The table below shows income schedule
| End of Policy year | Income | |
|---|---|---|
| 1 | 22,153 | <--Income payable from this year |
| 2 | 24,369 | |
| 3 | 26,584 | |
| 4 | 28,799 | |
| 5 | 31,015 | |
| 6 | 33,230 | |
| 7 | 35,445 | |
| 8 | 37,661 | |
| 9 | 39,876 | |
| 10 to 30 | 42,091 | |
| Maturity Benefit | 10,00,000 |
The table below shows the Base Income, for different combinations of premium payment term and policy term.
| Premium Payment Term | Policy term | |
|---|---|---|
| 30 years | 40 years | |
| 6 years | 16,887 | 17,609 |
| 8 years | 20,231 | 21,320 |
| 10 years | 22,153 | 23,475 |
The income depicted in table will increase as detailed in section 4.a.I above.
b. Intermediate Income Option:
I. Survival Benefit
Loyalty Income (% Increase in Base Income)
| Premium Payment Term | Policy Year | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | |
| 6 | 0% | 5% | 10% | 15% | 20% | 25% | ||||
| 8 | 0% | 10% | 20% | 30% | 40% | 50% | 60% | 70% | ||
| 10 | 0% | 15% | 30% | 45% | 60% | 75% | 90% | 105% | 120% | 135% |
II. Maturity Benefit
On survival till the end of the policy term provided all due premiums have been paid, Sum Assured on Maturity will be payable.
Where,
Sum Assured on Maturity (SAM) is equal to 100% of sum of all Annualized Premium payable under the policy.
Illustration
Pranav, a healthy 35 years old man, buys IndiaFirst Life Guarantee Of Life Dreams Plan under the ‘Intermediate Income’ Option to by paying an Annual Premium of Rs. 2,00,000 (excl. taxes) for 10 years and choosing a policy term of 30 years. He chooses an Annual Income Payment frequency.
| Premium Payment Term | Policy term | Annual Premium | Base Income (annual) | % Increase in Base Income from 2nd year onwards | Income payable from end of 5th policy year |
|---|---|---|---|---|---|
| 10 years | 30 years | Rs 2,00,000 | Rs. 46,288 | 15% every year | Rs. 74,061 |
Income for Pranav will increase every year till the end of the Premium Payment Term (PPT), provided all the due premiums for that respective year have been paid. The table below shows income schedule:
| End of Policy year | Income | |
|---|---|---|
| 1 | - | |
| 2 | - | |
| 3 | - | |
| 4 | - | |
| 5 | 74,061 | <--Income payable from this year |
| 6 | 81,004 | |
| 7 | 87,947 | |
| 8 | 94,890 | |
| 9 | 1,01,834 | |
| 10 to 30 | 1,08,777 | |
| Maturity Benefit | 20,00,000 |
The table below shows the Income payable to Pranav at end of 5th Policy Year, for different combinations of premium payment term and policy term.
| Premium Payment Term | Policy term | |
|---|---|---|
| 30 years | 40 years | |
| 6 years | 54,226 | 54,859 |
| 8 years | 67,206 | 69,084 |
| 10 years | 74,061 | 76,701 |
The income depicted in table will increase as detailed in section 4.b.I above.
c. Deferred Income Option:
I. Survival Benefit
| Loyalty Income (% increase in Base Income) | Policy Term = 30 years | Policy Term = 40 years | ||||
|---|---|---|---|---|---|---|
| Policy Year \ Premium Payment Term | 6 years | 8 years | 10 years | 6 years | 8 years | 10 years |
| 1-15 | 0% | 0% | 0% | 0% | 0% | 0% |
| 16-20 | 15% | 30% | 45% | 15% | 30% | 45% |
| 21-25 | 30% | 60% | 90% | 30% | 60% | 90% |
| 26-30 | 45% | 90% | 135% | 45% | 90% | 135% |
| 31-35 | NA | NA | NA | 60% | 120% | 180% |
| 36-40 | NA | NA | NA | 75% | 150% | 225% |
| Cashback Type | When will the Loyalty Cashback be paid? |
|---|---|
| Loyalty Cashback | Payable at the end of the 3rd Policy year |
| Guaranteed Cashback | Payable at the end of the Premium Payment Term |
II. Maturity Benefit
On survival till the end of the policy term provided all due premiums have been paid, Sum Assured on Maturity will be payable.
Where,
Sum Assured on Maturity is equal to 150% of sum of all Annualized Premium payable under the policy.
Illustration
Vaibhav, a healthy 40 year old male, buys IndiaFirst Life Guarantee Of Life Dreams Plan under the Deferred Income Option by paying an Annual Premium of Rs. 5,00,000 (excl. taxes) for 10 years and choosing a policy term of 30 years. He chooses an Annual Income Payment frequency.
| Premium Payment Term | Policy term | Annual Premium | Income payable from end of 10th policy year |
|---|---|---|---|
| 10 years | 30 years | Rs 5,00,000 | Rs. 2,23,146 |
Regular Income will be payable to Vaibhav from the end of 10th policy year. In addition, Loyalty Income will also be payable. The table below show the income benefit payable
| End of Policy year | Cashbacks | Income | |
|---|---|---|---|
| 1 | - | ||
| 2 | - | ||
| 3 | 2,50,000 | - | |
| 4 | - | ||
| 5 | - | ||
| 6 | - | ||
| 7 | - | ||
| 8 | - | ||
| 9 | - | ||
| 10 | 2,50,000 | 2,23,146 | <--Income payable from this year |
| 11-15 | 2,23,146 | ||
| 16-20 | 3,23,562 | ||
| 21-25 | 4,23,977 | ||
| 26-30 | 5,24,393 | ||
| Maturity Benefit | 75,00,000 |
The table below shows the Income payable to Vaibhav at end of 10th Policy Year, for different combinations of premium payment term and policy term.
| Premium Payment Term | Policy term | |
|---|---|---|
| 30 years | 40 years | |
| 6 years | 1,11,699 | 1,24,236 |
| 8 years | 1,78,668 | 1,89,378 |
| 10 years | 2,23,146 | 2,29,824 |
The income depicted in table will increase as detailed in section 4.c.I above.
^If Income payment frequency chosen is annual. For other than annual income payment frequency all benefits will be
payable in arrears, i.e., at the end of specified frequency.
Death Benefit (applicable to all income options)
In case of death of the Life Assured during the policy term, when the policy is in force and all due premiums have been paid, the death benefit will be payable, and the policy will terminate.
Death Benefit will be highest of:
where Sum Assured on Death is 10 times of Annualized Premium Sum Assured on Maturity is X% of sum of all Annualized Premium payable under the policy where X% is 100% for Immediate and Intermediate Income options and 150% for Deferred Income option.
Where, Annualized Premium shall be the premium amount payable in a year chosen by the policyholder, excluding the taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any.
Where, Total Premiums Paid means total of all premiums received, excluding any extra premium, any rider premium and applicable taxes.
The death benefit defined above will be paid either as lump sum amount or in monthly instalments over the period of 5 years as opted by the policyholder/ nominee at any time during policy period / on death of Life Assured.
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 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.
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