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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Long Guaranteed Income Plan
Short-Term Payments, Long-Term Gains
Guaranteed Income to fulfill Financial Goals
Lifetime Income Till 99 years of age
Continuous Life Cover without any interruption
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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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Growth of Life Dreams Plus Plan
Start income as early as the 1st policy month or defer it up to 10 years
(GPB) Policy benefits continue for your nominee even in your absence
Choose long-term income or whole-life income
Flexibility to choose Life cover option up to 11x
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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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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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Unit-Linked Pension Plan (ULPP)
Zero Charges Plan
You Pay 100. We Invest 105
Market-Linked Growth
Flexible Premium Options
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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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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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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Guaranteed Single Premium Plan
One-time payment (Single Pay)
Tax saving benefits*
Life Cover that is 1.25 times higher
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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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Term Insurance Calculator
Use our Term Insurance Calculator to estimate the right cover for your family’s financial security.
Child Plan Calculator
Plan your child’s education and future goals with our easy Child Plan Calculator.
Retirement Planning Calculator
Estimate how much you need to save for a comfortable and stress-free retirement.
Cost of Delay Calculator
See how delaying investments can impact your long-term wealth creation.
Human Life Value Calculator
Calculate your Human Life Value and understand the insurance cover your family needs.
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.
Lumpsum Calculator
Calculate your estimated returns on your lumpsum investment
Step-up SIP Calculator
See how increasing your SIP each year boosts your wealth. Use our Step-Up SIP Calculator for smarter financial planning
SWP Calculator
Check how much monthly income your investment can generate and how long your corpus can last.
Income Tax Calculator
Calculate your tax liability and plan your taxes efficiently.
Home Loan EMI Calculator
Calculate your home loan EMIs and manage repayments with ease.
Car Loan EMI Calculator
Find out your car loan EMI and choose the right repayment plan.
Personal Loan EMI Calculator
Estimate your personal loan EMIs before applying for a loan.
Inflation Calculator
Understand how inflation will affect your expenses and future goals
Gratuity Calculator
Calculate the gratuity amount you may receive based on your tenure and salary.
Salary Calculator
Calculate your take-home salary after deductions and allowances.
BMI Calculator
Check your Body Mass Index and understand your health better.
Nominee Central
Your one-stop hub to help your loved ones easily access, understand, and manage everything related to life insurance nomination and claims.
Life Insurance Ki Kitaab
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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Visualise your Plan
Maximum Age at Maturity: 50 years
Single Pay
5/ 7/ 10 years
5 years PT - Rs. 1,000
7 years PT – Rs. 715
10 years PT – Rs. 500
5 years PT : ₹40,000
7 years PT : ₹28,570
10 years PT : ₹20,000
Rs. 5000
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)
IndiaFirst Life “INSURANCE KHATA” Plan (Micro- Insurance Product) is a Non-Linked, Non-Participating, Individual Life Micro Insurance Product, Savings Plan. The policy is designed to offer financial protection in the form of a life cover for the family along with an assured benefit on maturity in case the life assured survives till the end of the policy term.
This policy works on assured benefits and hence, you know your benefits even before you buy the policy. Affordable protection is definitely an added advantage. Individuals aged between 18 to 45 years, looking for readymade, easy-to-buy covers; can purchase this policy.
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 purchase of the policy.
Yes, while we do not encourage you to surrender your policy, you may choose to surrender the same for immediate cash requirement, in case of an emergency.
You can surrender the policy any time during the policy term after payment of premium. The policy pays a surrender value, if the policy holder surrenders the policy any time during the policy term after acquiring paid up value. The policy will acquire paid-up value immediately after issuance.
The amount payable on surrender will be higher of Guaranteed Surrender Value (GSV) or Special Surrender Value (SSV). The GSV factors are dependent upon policy year of surrender and policy term. The GSV factors will be applicable on total premium paid excluding applicable tax, if any, extra premium and rider premium, if any. (Refer Annexure I for the GSV factor table). The SSV will be SSV factor multiplied by the paid-up value. The GSV factors can be referred to on our website www.indiafirstlife.com. The SSV factors will be determined from time to time by the company subject to IRDAI approval.
| Criteria | Parameters | |
|---|---|---|
| Age at Entry | Minimum | 18 years for all policy terms |
| Maximum | 45 years for policy term 5 years 43 years for policy term 7 years 40 years for policy term of 10 years | |
| Maximum Age at Maturity | 50 years | |
| Premium Payment Term | Single Pay | |
| Policy Term | 5 / 7 / 10 years | |
| Premium | Minimum | Rs. 1,000 for 5 year policy term Rs. 715 for 7 year policy term Rs. 500 for 10 year policy term |
| Maximum | Rs. 40,000 for 5 year policy term Rs. 28,570 for 7 year policy term Rs. 20,000 for 10 year policy term | |
| Sum Assured on Death | Rs. 5000 | |
In case of survival of the life assured till the end of the policy term, the policyholder stands to receive Guaranteed assured benefit on maturity, which is X% of Single Premium paid, excluding applicable tax; if any and extra premium if any, at maturity Where X% is defined in the table below.
Guaranteed Sum Assured on Maturity as a % of Single Premium
| Age/Policy Term | X% | ||
|---|---|---|---|
| 5 | 7 | 10 | |
| 18 | 106.64% | 115.04% | 126.29% |
| 19 | 106.39% | 114.52% | 125.18% |
| 20 | 106.15% | 114.00% | 124.06% |
| 21 | 105.90% | 113.48% | 122.95% |
| 22 | 105.66% | 112.97% | 121.83% |
| 23 | 105.41% | 112.45% | 120.72% |
| 24 | 105.17% | 111.93% | 119.61% |
| 25 | 104.92% | 111.41% | 118.49% |
| 26 | 104.68% | 110.89% | 117.38% |
| 27 | 104.43% | 110.37% | 116.26% |
| 28 | 104.18% | 109.86% | 115.15% |
| 29 | 103.94% | 109.34% | 114.04% |
| 30 | 103.69% | 108.82% | 112.92% |
| 31 | 103.20% | 108.30% | 111.81% |
| 32 | 103.20% | 107.78% | 110.69% |
| 33 | 102.96% | 107.26% | 109.58% |
| 34 | 102.71% | 106.75% | 108.46% |
| 35 | 102.47% | 106.23% | 107.35% |
| 36 | 102.22% | 105.71% | 106.24% |
| 37 | 101.97% | 105.19% | 105.12% |
| 38 | 101.73% | 104.67% | 105.12% |
| 39 | 101.48% | 104.15% | 102.89% |
| 40 | 101.24% | 103.64% | 101.78% |
| 41 | 100.99% | 103.12% | |
| 42 | 100.75% | 102.60% | |
| 43 | 100.50% | 102.08% | |
| 44 | 100.26% | ||
| 45 | 100.01% | ||
In case of death due to suicide within 12 months from the date of commencement of risk under the policy, the nominee or beneficiary of the policyholder shall be entitled to 80% of the total premiums paid(which is Single premium excluding applicable taxes and extra premium, if any) 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.
A lump sum amount will be paid to the nominee/ appointee / legal heir in the untimely event of the Life Assured’s demise as per the following table.
| Death Benefit |
|---|
| Higher of 125% of the single premium or minimum guaranteed assured benefit on maturity or absolute amount assured to be paid on death. |
The minimum guaranteed assured benefit on maturity is as defined in question 4 below.
The absolute amount assured to be paid on death is the Sum Assured on death and will be determined on the basis of following table:
| Policy Term | Age at Entry (Years) | Death Benefit |
|---|---|---|
| 5 | 18 to 45 | 5*SP |
| 7 | 18 to 43 | 7*SP |
| 10 | 18 to 40 | 10*SP |
SP = Single Premium
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.
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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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