Enjoy 0% GST on your policy premium. Get ₹1 Cr. Life Cover at just ₹22.5/day* + 10%^ Online Discount with IndiaFirst Life ELITE Term Plan (UIN 143N070V01). *^T&C Apply.
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Elite Term Plan
Lifetime protection till age 99 years
High cover at affordable cost
Convenient premium payment options
Sum Assured as lumpsum or monthly instalments
Super Protection Plan
Option to get your money back (Return of Premium- ROP)
Flexibility to pay premiums at your convenience
Lifetime protection till age 99 years
Sum Assured as lumpsum or monthly instalments
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Life Plan
Flexibility to choose the duration
Family will receive the payout
Flexibility to choose the assured amount
Long term protection
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Protect Shield Plus Plan
Instant Issuance
Flat rate cover
No medicals
Tax benefits as per prevailing tax laws
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Saral Jeevan Bima Plan
Life Insurance Cover of up to ₹50 lakhs.
Flexible premium payment options
Up to 40 years of protection for loved ones.
Protection against COVID-19 with lump sum benefit.
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Term Rider Plan
Additional Life Cover for up to 5-30 years
Guaranteed Lumpsum Death Benefit
Enjoy Tax Benefits on Premiums You Invest.
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Elite Term Plan
Benefits at Maturity & Life cover
High cover at affordable cost
Convenient premium payment options
Sum Assured as lumpsum or monthly instalments
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Super Protection Plan
Option to get your money back (Return of Premium- ROP)
Flexibility to pay premiums at your convenience
Lifetime protection till age 99 years
Sum Assured as lumpsum or monthly instalments
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Life Plan
Flexibility to choose the duration
Family will receive the payout
Flexibility to choose the assured amount
Long term protection
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Protect Shield Plus Plan
Flexibility to choose the duration
Family will receive the payout
Flexibility to choose the assured amount
Long term protection
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Saral Jeevan Bima Plan
Life Insurance Cover of up to ₹50 lakhs.
Flexible premium payment options
Up to 40 years of protection for loved ones.
Protection against COVID-19 with lump sum benefit.
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Radiance Smart Invest Plan
Zero Fund allocation charges
10 different funds to choose from
3 plan options to achieve your investment goals
100% money invested for higher returns
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Money Balance Plan
Optimised Investment Strategy
Flexible-Premium Payment
Partial Withdrawal Flexibility
Convenient Fund Accessibility
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TULIP Plus Plan
Up to 100x life insurance cover
Up to 750%* return of Premium Allocation charges
Riders designed to cover additional risks
Reduced premium allocation charge for higher premiums
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TULIP Pro Plan
Up to 20X Life Cover for Your Loved Ones
Additional Coverage through TERM Rider
Multiple Investment Strategies and up to 10 Diversified Funds
Up to 600% of Premium Allocation Charges returned at Maturity
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Wealth Maximizer Plan
Market Linked Returns
Free switches for maximum gain
Long-term loyalty benefits
Add top-up premiums
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Assured Income For Milestones Plan
Guaranteed long-term income plan
Ideal for milestone-based financial planning
Three customizable benefit options
Immediate or deferred income variants
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Guarantee Of Life Dreams Plan
Choice of 3 income Options
UpTo 5% Extra Income on Online Purchase
Enhanced Income Benefit for Women
Option to Choose the date to receive a regular income.
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Guaranteed Single Premium Plan
One-time payment (Single Pay)
Tax saving benefits*
Life Cover that is 1.25 times higher
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Mahajeevan Plus Plan
Life cover of up to 15 or 20 years
Periodic Cash backs
Uninterrupted Life Cover
Money Back Discounts with Early Premium Payments
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Smart Retirement Plan
Market-linked returns, with 3 new funds!
2 plan options to secure your retirement
ZERO allocation or administration charges.
Guaranteed Additions* of up to 5% in Year 1
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Guaranteed Pension Plan
Income for Life
5 Annuity Choices
Joint Life Security
Escalating Annuity option
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Guaranteed Annuity Plan
Retirement Planning
12 Annuity Options
Exclusive benefits for NPS subscribers
Continuity with Joint Life Option
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Guaranteed Retirement Plan
Assured Returns
Beat Inflation
Choose How to Save
Save Longer for up to 40 years
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Assured Income For Milestones Plan
Guaranteed long-term income plan
Ideal for milestone-based financial planning
Three customizable benefit options
Immediate or deferred income variants
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Guarantee Of Life Dreams Plan
Choice of 3 income Options
UpTo 5% Extra Income on Online Purchase
Enhanced Income Benefit for Women
Option to Choose the date to receive a regular income.
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Guaranteed Single Premium Plan
One-time payment (Single Pay)
Tax saving benefits*
Life Cover that is 1.25 times higher
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Life Long Guaranteed Income Plan
Short-Term Payments, Long-Term Gains
Guaranteed Income to fulfill Financial Goals
Lifetime Income Till 99 years of age
Premium Payback Assurance
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Term Rider Plan
Additional Life Cover for up to 5-30 years
Guaranteed Lumpsum Death Benefit
Enjoy Tax Benefits on Premiums You Invest.
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Waiver of Premium Rider
3 Coverage Options
Guaranteed Financial Protection For Your Loved Ones
Policy Remains Effective in Your Absence (WOP)
10 Critical Illness Cover
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ADB Rider
Up to 2 Cr. Additional cover over existing policy
Protect your loved ones at affordable price.
Tax Advantages
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TPD Rider
Up to 1 Cr. Additional cover
Protect your loved ones at affordable price.
Tax Advantages
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Group Living Benefits Plan
Comprehensive Group Health Insurance
Affordable Heatlh Coverage for Corporate
COVID-19 Protection for Group Life Insurance
Fixed Benefit Assurance
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Group Term Plan
Affordable Group Term Insurance
Voluntary or Automatic Enrollment
Enhanced Coverage with EDLI
Flexible Premium Payment
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New Corporate Benefit Plan
A separate plan for each scheme
Minimum guaranteed return of 0.5% p.a.
Yearly Bonus as per company’s performance
Earn easy returns
Little Champ Plan
Financial Protection
Customisable Policy
Guaranteed Payouts
Flexible Coverage Options
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Cost of Delay Calculator
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Human Life Value Calculator
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Paid-Up Calculator
Check the paid-up value of your policy and make informed financial decisions.
Annuity Calculator
Estimate your regular income after retirement using our Annuity Calculator.
ULIP Calculator
Estimate potential returns on your ULIP investments over the policy term.
Compound Interest Calculator
Understand how your money grows over time with the power of compounding.
Future Wealth Creation Calculator
Plan your investments effectively to achieve your long-term wealth goals.
SIP Calculator
Calculate returns on your monthly SIP investments in just a few clicks.
SSY Calculator
Use our simple SSY calculator and figure out how much you can save for your daughter’s future.
RD Calculator
Calculate the maturity amount of your recurring deposit investments easily.
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Estimate your retirement corpus and pension through National Pension Scheme investments.
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Your simple, go-to guide for understanding life insurance basics.
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Enjoy 0% GST on your policy premium. Get ₹1 Cr. Life Cover at just ₹22.5/day* + 10%^ Online Discount with IndiaFirst Life ELITE Term Plan (UIN 143N070V01). *^T&C Apply.
Know More
Tired of complicated insurance? We’ve made it effortless - Introducing IndiaFirst Life app-like tool Calculate, plan, and protect—all from your device. Your future is just a tap away.
Install now!
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Term Insurance For Coverage for all Ages
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For Death Benefit multiple of 1.25 times/ 10 times of Total Premiums Paid
For Death Benefit multiple of 10 times of Total Premiums Paid
For Death Benefit multiple of 1.25 times Total Premiums Paid
For Death Benefit multiple of 1.25 times/ 10 times of Total Premiums Paid
For Death Benefit multiple of 10 times of Total Premiums Paid
For Death Benefit multiple of 1.25 times Total Premiums Paid
How people have benefitted from IndiaFirst Life
Hassle-free Onboarding Process
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
Pleasant Online Buying Experience
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
Trusted ally in my financial journey
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 a Non-Linked, Non-Participating, Individual, Single Premium Savings, Life Insurance Plan. Simply put, this is a simple savings plan that financially protect your loved ones. It is a one-time premium payment plan that a gets you life insurance coverage throughout the policy term. This plan not only ensures financial security for your family in case of an unfortunate event but also guarantees a lump sum benefit at the end of the policy term.
| Criteria | Details | |
|---|---|---|
| Minimum Age at Entry | 90 days | For Death Benefit multiple of 1.25 times/ 10 times of Total Premiums Paid |
| Maximum Age at Entry | 70 years | For Death Benefit multiple of 1.25 times Total Premiums Paid |
| 45 years | For Death Benefit multiple of 10 times of Total Premiums Paid | |
| Minimum Age at Maturity | 18 years | For Death Benefit multiple of 1.25 times/ 10 times of Total Premiums Paid |
| Maximum Age at Maturity | 85 years | For Death Benefit multiple of 1.25 times Total Premiums Paid |
| 60 years | For Death Benefit multiple of 10 times of Total Premiums Paid | |
| Premium Payment Term | Single Pay | |
| Policy Term | 5 years, 10 years, 15 years, 20 years, 25 years, 30 years | |
| Sum Assured on Maturity | Minimum | Maximum |
| INR 1,12,000 | No limit subject to Board approved underwriting policy | |
| Single Premium (excluding GST) | Minimum | Maximum |
| INR 1,00,000 | No limit subject to Board approved underwriting policy | |
Note:
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 buying this policy.
Upon reaching the end of the policy term, you will receive the Sum Assured on Maturity (SAM). SAM is a guaranteed amount payable at the policy's maturity, calculated as the Guaranteed Maturity Multiple (GMM) multiplied by the Single Premium (excluding any extra premium). GMM varies based on the age of the insured, chosen Death Benefit Multiple, and Policy Term.
There is an enhancement of maturity benefit factor when paying high premium as per below table –
| Premium Bands / Policy Term | 5 | 10 | 15 | 20 | 25 | 30 |
|---|---|---|---|---|---|---|
| 5,00,000 to 9,99,999 | 1.01 | 1.01 | 1.01 | 1.01 | 1.01 | 1.01 |
| 10,00,000 and above | 1.02 | 1.02 | 1.02 | 1.02 | 1.02 | 1.020 |
The above factors are multiplicative in nature and will be applied on the Guaranteed Maturity Multiple provided in Annexure A. You or your nominee have the option to receive the money either as a lump sum or in monthly instalments over 5 years.
In case of instalment payment of maturity benefit, the instalment benefit amount will be calculated as dividing lump sum amount (say, S) by annuity factor (i.e. a(n)(12)) i.e. S/a(n)(12)) where n is the instalment period of 5 years. The interest rate used to determine annuity factor is {5-year G-Sec rate less 2.00%, rounded down to the nearest 25 bps}, where the 5-year G-Sec is at the beginning of the financial year. The applicable interest rate for FY 24-25 is 5% p.a. (i.e. ~7.18% (5-year G-Sec rate) less 2.00%).
We have explained the working of the policy with a sample illustration below.
Mr. Kumar, 40 years bought the IndiaFirst Life Guaranteed Single Premium Plan. He decides to pay a single premium of INR 10 Lakhs (excluding taxes) for a policy term of 10 years.
At the end of the policy term, he will receive a maturity benefit of Rs. 17,85,000 as opted during policy inception. Maturity Benefit shall be subject to applicable tax laws.
Even in case he dies during the policy term, his loved ones will be safeguarded with the Death Benefit of INR 12.5 Lakhs. His nominee(s) can choose to receive the death benefit as lumpsum or as income over a period of 5 years.
You can avail a loan up to 80% of the acquired Surrender value, if any. The minimum loan amount which can be availed is Rs. 25,000.
It is advisable to continue your policy to enjoy full benefits of your policy. However, we understand thatin certain circumstances you may wantto surrender your policy. The policy will acquire Surrender value immediatelyonthepaymentofSinglePremium.
At the time of surrender, higher of Guaranteed Surrender value (GSV) or Special Surrender value (SSV) will be payable. The GSV applicable will vary by policy term and policy year of surrender. In case of SSV, it will also vary basis attained age of life assured.
The GSV factors are dependent upon policy year of surrender and policy term and will be calculated as follows:
GSV factor applicable at the time of surrender multiplied with the Total Premiums Paid (TPP).
GSV factors are mentioned in Annexure B.
The SSV will be calculated as follows:
SSV Factor1* Sum Assured on Death (SAD) + SSV Factor2 * Sum Assured on Maturity (SAM)
The SSV factor will be determined by us from time to time subject to prior Regulatory approval.
You can return your policy within the Free Look period; In case you disagree with any of the policy terms and conditions and have not made any claim, you shall have the option of returning the policy to us for cancellation, stating the reasons for the same, within 30 days from the date of receipt of the policy whether received electronically or otherwise.
Do you get any refund when you cancel your policy within Free Look Period?
Yes. We will refund an amount (within 7 days of receipt of such request) equal to the –
Premium paid
Less i. proportionate risk premium for the period of cover and the expenses
Less ii. Any stamp duty charges
Less iii. Expenses incurred on medical examination of the proposer, if any
In case of death of the Life Assured during the policy term, the following death benefit will be paid to the nominee(s). The defined death benefit is paid out and the policy terminates.
The nominee(s) will receive higher of:
a. Sum Assured on Death
or
b. Surrender value as on Date of Death
Where Sum Assured on Death is defined as: Death Benefit Multiple times Total Premiums Paid.
In case of life assured’s death due to suicide within 12 months from the date of commencement of risk under 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.
Fraud/ Misstatement would be dealt with in accordance with provisions of Section 45 of the Insurance Act 1938, as amended from time to time.
Please refer to the Sales brochure for more details.
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Disclaimer
*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 buying this policy.
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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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