IndiaFirst Life Mahajeevan Plus Plan

(Non-Linked, Participating, Individual, Limited Pay, Money Back Savings Life Insurance Plan)

Introducing a money back endowment life Insurance plan where your dreams and peace of mind take centre stage. Imagine security, savings and cash flow all bundled up to fit your unique financial needs. Whether it's securing your loved ones' future or having periodic cash ready at

Life cover of up to 15 or 20 years
Periodic Cash backs
Uninterrupted Life Cover
Money Back Discounts with Early Premium Payments
Tax Benefits*
Added Protection with Riders

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Overview
Key Features
How to Buy
Eligibility Criteria
Customer Feedback
FAQ

Key Features of IndiaFirst Life Mahajeevan Plus Plan

Long-Term Protection

Create a robust shield for your loved ones with life insurance cover options spanning up to 15 or 20 years, ensuring enduring protection.

Periodic Money Backs

Enjoy periodic cash inflows at the end of the 3rd, 7th, and 11th policy year, amounting to 103% of your Annualized Premium.

Flexible Utilization

Direct your periodic money back to fund immediate needs or allocate it towards covering your next annual premium.

Maturity Benefits

Benefit from the Maturity Benefit and accrued Simple Reversionary Bonus, if declared, along with Terminal Bonus, if declared, at the end of the policy term.

Convenient Premium Payment

Choose a shorter 12-year period to pay your premiums while still getting all the benefits of the policy for its full length.

Early Premium Payment Discounts

Receive a discount on renewal premiums by paying them early, adding an element of financial savings to your policy.

Extended Life Cover Benefit

Even if you miss a premium payment, continue to enjoy the life cover benefit for a full year after you've paid two full years' premiums.

Convenient Online Purchase

Purchase the policy with ease through the online mode, providing you the convenience of securing your financial future at your own pace and convenience.

How to buy IndiaFirst Life Mahajeevan Plus Plan?

Step 1

Provide Your Basics

Start by sharing simple information like your name, mobile number, age & gender.

Step 2

Select Your Terms

Choose a suitable policy term, payment duration, and frequency to match your preferences.

Step 3

Review Your Personal Quote

Take a moment to go through the personalized quote generated just for you.

Step 4

Consult with Our Experts

Connect with our knowledgeable sales representatives, who will guide you on the way forward.

Step 5

Secure Your Plan

Finalize your application by making the necessary payment. Your journey to a secure financial future begins!

How does Mahajeevan Plus Plan plan work?

Mr Kumar

At Age 25

Mr Kumar bought a life insurance plan - IndiaFirst Life Mahajeevan Plus, choosing a 15-year plan and paying INR 24,000 for 12 years for a Guaranteed Sum Assured at Maturity of INR 2,33,040.

25-39 Years

He received his survival payouts at the end of the 3rd, 7th and 11th policy years of INR 24,720, which is 103% of the Annualized Premium.

At Age 40

Mr Kumar is set to receive a big sum, either INR 3,41,404 @8% or INR 2,33,040 @4%, as per option opted during policy purchase, including bonuses (if declared).

Mr Kumar's Family

Unfortunately, Mr Kumar dies in 14th policy year and his family death benefit of INR 3,02,400, with options to get it all at once or as income over 5 years.

Eligibility Criteria

Age at Entry

Question: Age Criteria:
Sequence
Answer: Minimum Entry Age

1 month for a policy term of 20 years
3 years for a policy term of 15 years

Maximum Entry Age

55 years
Tags

Age at Maturity

Question: Age at Maturity
Sequence
Answer: Minimum Age at Maturity

18 years for a policy term of 15 years
20 years for a policy term of 20 years

Maximum Age at Maturity

75 years
Tags

Policy Term (PT)

Question: Policy Term:
Sequence
Answer: 15 or 20 years
Tags

Premium Payment Term

Question: Premium Payment Term:
Sequence
Answer: 12 years
Tags

Guaranteed Sum Assured on Maturity:

Question: Guaranteed Sum Assured on Maturity:
Sequence
Answer: Minimum

Up to 50 years: INR 1,10,280
51 to 55 years: INR 2,18,880

Maximum

No limit subject to Board-approved underwriting policy
Tags

Sum Assured On Death

Question: Sum Assured:
Sequence
Answer: Minimum

Up to 50 years: INR 1,20,000
51 to 55 years: INR 2,40,000

Maximum

No limit subject to Board-approved underwriting policy
Tags

Maximum premium

Question: Maximum premium
Sequence
Answer: No limit subject to Board-approved underwriting policy
Tags

Minimum Premium for ages 50 years or less

Question: Minimum Premium for ages 50 years or less:
Sequence
Answer: Yearly: INR 12,000
Half-yearly: INR 6,143
Quarterly: INR 3,108
Monthly: INR 1,044
Tags

Minimum Premium for ages above 50 years

Question: Minimum Premium for ages above 50 years:
Sequence
Answer: Yearly: INR 24,000
Half-yearly: INR 12,286
Quarterly: INR 6,216
Monthly: INR 2,088
Tags

Premium Paying Modes

Question: Premium Paying Modes
Sequence
Answer: Yearly
Half-yearly
Quarterly
Monthly
Tags

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)

How can we help?

View All FAQ

General
Policy Types
Premiums and Payments
Claim and Beneficiary

What is the IndiaFirst Life Mahajeevan Plus Plan?

Answer

The IndiaFirst Life Mahajeevan Plus Plan is like a special savings and life insurance plan. It's a type of life insurance moneyback endowment plan where you only have to pay for 12 years, but it keeps you protected for a long time – either 15 or 20 years.

One of the most important aspects of this money-back plan is that the life cover benefit will continue even if a premium payment is missed. This ensures that the policyholder's family will still be protected for a year without any interruption. Additionally, the policy includes multiple money-back disbursements throughout the policy term, which helps to address any liquidity needs.

You are prohibited from accepting rebate in any form Prohibition of Rebate:

Answer: 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 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 Policy, nor shall any person taking out or renewing or continuing a Policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer.

Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend to ten lakh rupees.

What are the survival benefits in the policy?

Answer: You stand to receive periodic money back in this policy. You will receive these payouts of 103% of the Annualized Premium at the end of 3rd, 7th and 11th policy year during the policy term. Maturity and Survival benefits are subject to survival of life assured and policy being in-force.

Can I get a loan in this policy?

Answer

Yes, you may benefit from a loan facility under this policy.

The amount of the loan that you may avail at any point of time will depend on the surrender value. You may avail of a loan amount up to 80% of the available surrender value. The minimum loan amount should be Rs.1,000.

The basis used for the calculation of interest rate on loan is 10-year G-Sec rate as at the end of last financial year plus the absolute margin of 250 basis points rounded up to the nearest 50 basis points. The derived interest rate will be applicable in the succeeding financial year. Currently, the interest rate on loan for FY 2024-25 is 10.00% p.a. (Simple). It is arrived by adding a margin of 250 basis points on the effective annual 10-year G-Sec and rounding up to the nearest 50 basis points (10.00% ~ 7.18% + 2.50%).

For other than in-force and fully paid-up policies, if the outstanding loan along with interest exceeds 90% of the surrender value, company will send a notice to the policy holder to repay the loan partially or completely. If loan is not repaid subsequent to receipt of the notice, then we will adjust the outstanding loan along with interest before any payment of benefits. After recovering the outstanding loan along with interest, remaining benefit, if any, will be payable.

What is the Life Cover Continuance benefit in this policy?

Answer

Your policy will have life cover continuance benefit if two full year premiums have been paid.

Under this benefit; if you miss to pay premium for one policy year after your policy acquires paid up value; the death benefits under the policy will continue as per the in-force policy for one year from the date of “First Unpaid Premium”.

Policyholder will have an option to further extend the benefit of “Life Cover Continuance Benefit” if he/she pays due premium with applicable interest within one year from date of “First Unpaid Premium.” On such payment, Life cover continuance benefit will be applicable, for one year from the revised “Unpaid Premium” date. If you do not pay due premium within 12 months from the date of “First Unpaid Premium” then the policy will get converted to reduced paid up policy.

At the end of life cover continuance period, you will have the following options to exercise –

Pay all the due premiums with revival interest as applicable and revive the policy
Pay one due instalment premium with revival interest and extend the life cover continuance benefit for one year from first unpaid premium date
If due premium(s) along with revival interest, if any are not paid then continue the policy with reduced paid up benefits

We will deduct due (before date of occurrence of death) instalment premium(s) from the death benefit in case of death of the life assured during the Life Cover Continuance period of one year from the date of First Unpaid Premium.

What are your options to revive the policy?

Answer

You may revive your policy within 5 years from the due date of first unpaid regular premium but before the expiry of the policy term by –

paying all unpaid due Premiums along with interest; and
providing satisfactory evidence of health, if required, as per the Board approved underwriting policy. The cost of medicals, if any, will be borne by the policyholder.

A lapsed Policy will only be revived along with all its benefits in accordance with our board approved underwriting policy. If the policy is revived, then all benefits as per policy terms and conditions for an in force policy will be restored.

Note: The basis used for the calculation of interest rate on revival is 10-year G-Sec rate as at the end of last financial year plus the absolute margin of 300 basis points rounded up to the nearest 50 basis points. The derived interest rate will be applicable during the next financial year. Currently, the interest rate on revival for financial year 2024-25 is 10.50% p.a. (Simple). It is arrived by adding a margin of 300 basis points on the effective annual 10-year G-Sec rate and rounding up to the nearest 50 basis points (10.50% ~ 7.18% + 3.00%)

Can you surrender your policy?

Answer

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.

At the time of surrender higher of Guaranteed Surrender Value (GSV) or Special Surrender Value (SSV) will be payable. The surrender value payable will vary by policy term and policy year of surrender.

Guaranteed Surrender Value (GSV)

The policy shall acquire a Guaranteed Surrender Value on payment of premium for at least two consecutive years.

The GSV factors are dependent upon policy year of surrender and policy term. The GSV factors will be applicable on Total Premium Paid and any subsisting Simple reversionary bonus accrued till date of surrender.

GSV = GSV factor for premium * Total Premium Paid

Plus GSV factor for Simple reversionary bonus * accrued Simple reversionary bonus (if any)

Less sum of all survival benefits paid, if any till the date of surrender.

Special Surrender Value (SSV)

Special Surrender Value shall become payable after completion of first policy year provided one full year premium has been paid. It reflects the notional asset share, guaranteed maturity, or survival benefits under the policy.

The SSV will be = { ( Total No of premiums paid/Total No of premiums payable during the policy term)*(Guaranteed Sum Assured on maturity plus sum of all survival benefits under the policy)

Plus Accrued Simple Reversionary Bonus(if any)} multiplied by the SSV1 factor prevailing at the time of surrender

Plus

{ ( Total No of premiums paid/Total No of premiums payable during the policy term)*(Guaranteed Sum Assured on Death)

Plus Accrued Simple Reversionary Bonus(if any)} multiplied by the SSV2 factor prevailing at the time of surrender

Less

sum of all survival benefits paid, if any, till the date of surrender

Surrender value will be higher of SSV and GSV, where SSV will be calculated as mentioned above plus Terminal bonus (if declared).

Terminal Bonus, if declared will be payable, only if policyholder surrenders the policy after completion of premium payment term

What is the Free Look Period available in your policy?

Answer

You can return your policy within the Free Look period;

In case you do not agree to any of the policy terms and conditions, you have the option to review the terms and conditions of the policy and if you disagree to any of those terms or conditions, you have the option of returning the policy to the insurer for cancellation, stating the reasons for your objection 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?

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 paid

Less iii. Expenses incurred on medical examination, if any

Are there any Riders available in this policy?

Answer

Yes, you can opt for the following riders in the policy –

A. IndiaFirst Life Waiver of Premium (WOP) Rider (UIN: 143B017V01)

B. IndiaFirst Term Rider (UIN:143B001V02)

IndiaFirst Life Waiver of Premium Rider

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.

IndiaFirst Term Rider

IndiaFirst Term Rider will enhance your life cover in the policy. The additional sum assured opted under the rider policy will be payable in case of untimely event of the Life Assured’s demise. However, the sum assured under IndiaFirst Term Rider cannot be more than the sum assured opted for under the base policy.

Note: Rider will not be offered if the term of the rider exceeds outstanding premium paying term under the base policy. The premium for health related or critical illness riders benefit shall not exceed 100% of premium under the base policy, the premiums under all other life insurance riders benefit put together shall not exceed 30% of premiums under the base policy and any benefit arising under the mentioned riders shall not exceed the sum assured under the base policy.

How does this policy works?

Answer

We have explained the working of the policy with a sample illustration below.

Mr. Kumar, 25 years bought the IndiaFirst Life Mahajeevan Plus Plan for a policy term of 15 years. He paid annual premium of 24,000 for 12 years for a Guaranteed Sum Assured at Maturity of INR 2,33,040.

He received his survival payouts at the end of 3rd , 7th and 11th policy years of INR 24,720 which is 103% of the Annualized Premium.

At the end of the policy term, he will receive 3,41,404 @8% or 2,33,040 @4% inclusive of the bonuses, if declared.

Even in case he dies during the policy term, in 14th policy year, his loved ones will be safeguarded with the Death Benefit of INR (3,02,400 @8% or 3,02,400 @4%). His nominee(s) can choose to receive the death benefit as lumpsum or as income over a period of 5 years.

Sample Maturity Amount for Policy Term 15 years and 20 years

Age	Annualized Premium	Survival Benefit at the end of 3rd, 7th and 11th Policy Year	Policy Term 15 years	Policy Term 15 years	Policy Term 20 years	Policy Term 20 years
Age	Annualized Premium		Sum Assured at Maturity @8% p.a.	Sum Assured at Maturity @4% p.a.	Sum Assured at Maturity @8% p.a.	Sum Assured at Maturity @4% p.a.
25 years	1,00,000	1,03,000	14,93,641	10,19,550	21,77,280	10,88,640
35 years	1,00,000	1,03,000	14,64,414	9,99,600	21,23,280	10,61,640
45 years	1,00,000	1,03,000	13,27,496	9,74,400	20,76,840	10,38,420
55 years	1,00,000	1,03,000	13,73,657	9,37,650	19,69,920	9,84,960

Is there a grace period for missed premiums?

Answer: We provide you with a grace period which is the time provided for payment of premium from the premium due date during which the policy is considered to be in-force with the risk cover.

This policy has a grace period of 30 days for yearly, half-yearly and quarterly frequencies and 15 days for monthly frequency from the premium due date. In case of death of the life assured during this period, death benefit after deducting due premiums till date of occurrence of death, will be paid to the nominee(s)/appointee/legal heir.

During this period, the policy will be considered to be in-force.

Do I get a discount on renewal premiums, if paid in advance?

Answer: We will offer discount on renewal premium amount if you pay the premium at least one month prior to premium due date till 12 months prior to premium due date, provided this period falls within the same financial year as the premium due date. The premium due in one financial year may be collected in advance in earlier financial year for a maximum period of three months in advance of the due date of the premium to be eligible for discount. No discount will be offered if premium is paid within one month prior to premium due date.

What happens in case you miss paying the premiums for the IndiaFirst Life Mahajeevan Plus Plan?

Answer

If premiums are not paid within the grace period, and the policy hasn't acquired a guaranteed surrender value, it will lapse. In case of a lapsed policy, the risk cover ceases, and no further benefits will be payable.

If less than two full years' premiums have been paid, the policy will lapse. However, it can be revived within the revival period. If not revived, it will be foreclosed after the revival period without any benefits.
After the grace period, if at least two full years' premiums have been paid and subsequent premiums are not paid, the policy acquires paid-up value.

Important Notes:

A Reduced Paid-Up policy can be revived to the original benefits within five years from the first unpaid premium.
If a Reduced Paid-Up policy is not revived during the revival period, it continues in that status until maturity, death, or surrender.
A Fully Paid-Up policy occurs when all due premiums are paid during the policy term.

After the policy becomes paid-up:

Death Benefit (Reduced Paid-Up): Upon death after one year from the first unpaid premium, the benefit is the Reduced Paid-Up Sum Assured on death plus accrued Simple Reversionary Bonuses.
Survival Benefit (Paid-Up): No survival benefit is payable on the survival of the Life Assured in reduced paid-up status.
Maturity Benefit (Paid-Up): The benefit is the Reduced Paid-Up Sum Assured on maturity plus accrued Simple Reversionary Bonus, if declared, less any paid survival benefit.

Is there any discount when paying high premium in the policy?

Answer

Yes, there is an enhancement of maturity benefit factor when paying high premium as per below table–

High Premium Enhancement Factor (% of Maturity Benefit Factor Enhanced)
Annual Premium Band/ Policy Term	15 years	20 years
Less than 50K	Nil	Nil
50K to less than 1L	3%	5%
1L to less than 5L	5%	8%
5 Lacs and above	7%	10%

What do you get at the end of the policy term (maturity benefit)?

Answer: You stand to receive the Guaranteed Sum Assured on maturity PLUS accrued Simple Reversionary Bonus, if declared PLUS Terminal Bonus, if declared, as the maturity benefit at the end of policy term

On payment of the maturity benefit, the policy will terminate, and no more benefits will be payable.

Guaranteed Sum Assured on maturity which is X times the annualized premium as mentioned in Annexure – A.

What happens in case of the life assured's demise in the IndiaFirst Life Mahajeevan Plus Plan?

Answer

In case of death of the Life Assured, the following death benefit will be paid to the nominee(s) given the policy is in force or fully paid-up. The defined death benefit is paid out and the policy terminates.

The nominee(s) will receive higher of:

a. Sum Assured on Death (SAD) PLUS Accrued Simple Reversionary Bonus, if declared, PLUS Terminal Bonus, if declared

b. 105% of total premiums paid till date of death.

Where Sum Assured on death (i.e. SAD)is defined as 10 times of the Annualized Premium.

You can also opt for riders as specified in Section 7.Please refer rider brochure for more details.

In the unfortunate event of life assured’s demise during the term of the policy, Death Benefit is paid out to nominee(s) either as lumpsum or as a monthly income over next 5 years.

Note:

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 or on death of Life Assured. In case of instalment payment of death benefit,

the instalment benefit amount = S/a(n)(12)

where

S – lump sum amount

a(n)(12) - annuity factor

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 off 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%). The annuity factor defined above will not be changed once the instalment payment starts.

What are the bonuses declared in the IndiaFirst Life Mahajeevan Plus Plan?

Answer

The IndiaFirst Life Mahajeevan Plus Plan is eligible for two types of bonuses:

a) Simple Reversionary Bonus (SRB):

Calculated on the Guaranteed Sum Assured at Maturity.
Rates are not fixed or guaranteed, subject to change, but once declared, they become guaranteed.
In the event of the policy being under Paid-Up Mode, no future simple reversionary bonus (if declared) will be added.

b) Terminal Bonus (TB):

Declared based on the company's investment experience and in accordance with the Board-approved bonus policy.
Payable on death, maturity, or surrender, as per policy terms and conditions.
Payable after the completion of the premium payment term.
No Terminal Bonus (if declared) is payable if the policy is under Paid-Up Mode.

It's important to note that the declaration and payment of bonuses are subject to the Board Approved Bonus Policy of the company.

What happens in case the life assured commits suicide (Suicide Exclusion)?

Answer: In case of life assured’s 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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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.

IndiaFirst Life Mahajeevan Plus Plan

IRDAI Redg. No. 143 CIN U66010MH2008PLC183679 | UIN (143N059V03)