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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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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.

cover-life

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.

wealth-creation

Flexible Utilization

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

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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.

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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.

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Early Premium Payment Discounts

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

wealth-creation

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.

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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.

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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.

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Step 2

Select Your Terms

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

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Step 3

Review Your Personal Quote

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

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Step 4

Consult with Our Experts

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

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Step 5

Secure Your Plan

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

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How does this plan work?

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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.

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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.

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At Age 40

Mr Kumar is set to receive a big sum, either INR 3,46,647 @8% or INR 2,33,040 @4%, as per option opted during policy purchase, including bonuses (if declared).

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Mr Kumar's Family

Unfortunately, Mr Kumar dies and his family death benefit of INR 4,00,859 @8% or INR 3,02,400 @4%, with options to get it all at once or as income over 5, 10, or 15 years.

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Eligibility Criteria

Age at Entry

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

Age at Maturity

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

Policy Term (PT)

Answer

12 years

Premium Payment Term

Answer

12 years

Guaranteed Sum Assured on Maturity:

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

Sum Assured On Death

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

Maximum premium

Answer

No limit subject to Board-approved underwriting policy

Minimum Premium for ages 50 years or less

Answer
  • Yearly: INR 12,000
  • Half-yearly: INR 6,143
  • Quarterly: INR 3,108
  • Monthly: INR 1,044

Minimum Premium for ages above 50 years

Answer
  • Yearly: INR 24,000
  • Half-yearly: INR 12,286
  • Quarterly: INR 6,216
  • Monthly: INR 2,088

Premium Paying Modes

Answer
  • Yearly
  • Half-yearly
  • Quarterly
  • Monthly

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

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
 

  1. 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.

  2. 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 basic eligibility criteria in this policy (product at a glance)

Answer
CriteriaDetails
Minimum Age at Entry1 monthFor Policy Term 20 years
3 yearsFor Policy Term 15 years
Maximum Age at Entry55 years
Minimum Age at Maturity20 yearsFor Policy Term 20 years
18 yearsFor Policy Term 15 years
Maximum Age at Maturity75 years
Premium Payment Term12 years
Policy Term15 years, 20 years
Guaranteed Sum Assured on MaturityMinimumMaximum
Age at entryAmountNo limit subject to Board approved underwriting policy
Up to 50 years
51 years to 55 years
INR 1,10,280
INR 2,18,880
Sum Assured on DeathMinimumMinimum
Age at entryAmountNo limit subject to Board approved underwriting policy
Up to 50 years 51
years to 55 years
INR 1,20,000
INR 2,40,000
Premium (Rs.)MinimumPremium (Rs.)
Age at entry 50 years or lessAge at entry above 50 yearsNo limit subject to Board approved underwriting policy
INR 12,000 YearlyINR 24,000 Yearly
INR 6,143 Half – yearlyINR 24,000 Yearly
INR 6,143 Half – yearlyINR 6,216 Quarterly
 INR 1,044 MonthlyINR 2,088 Monthly
Premium Paying Modes and Modal FactorsPremium FrequencyFactor to be applied to Annual Premium
Half – yearly0.5119
Quarterly0.2590
Monthly0.0870


Note:
 

  1. For minor life age at entry less than 3 years, risk cover will commence one day prior to completion of 2 years from date of commencement of policy or attainment of age 3 years whichever is earlier. For minor life with age at entry greater than or equal to 3 years, the risk cover will commence immediately. The following conditions are applicable under minor life assured:

    • The policyholder will pay the premium.   
    • Either the natural parent or legal guardian who has insurable interest of the minor life can be the proposer/ policyholder
    • As and when the life assured attains majority, i.e 18 years the policy will vest on the life assured
    • On the death of the policyholder during minority of the life assured, the surviving parent or legal guardian who has insurable interest of the minor life will be the policyholder. 
    • The policy will continue, in case IndiaFirst Life Waiver of Premium Rider is not opted and there is no surviving parent or legal guardian  but the premium is received. In case of nonpayment of premium, policy status will be as mentioned in Section 15.
    • If IndiaFirst Life Waiver of Premium Rider is opted at inception, then policy will continue as in-force and proceeds will be paid as per policy terms and conditions to the life assured.
       
  2. Ages specified are as on last birthday.

  3. Annualized Premium shall be the premium payable in a year chosen by the policyholder, excluding the applicable taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any

  4. Total Premiums Paid means total of all premiums received, excluding any extra premium, rider premium and applicable taxes.

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. We will charge simple interest at a rate of 9% per annum which may be revised by us from time to time subject to IRDAI approval. As and when the loan principal along with accrued interest exceeds the surrender value, the policy will be compulsorily surrendered and outstanding loan along with accrued interest will be recovered from surrender proceeds. This compulsory surrender will not apply for in force and full paid up policies.

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 the policy has acquired paid up value.

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 revival interest rate 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. No simple reversionary bonus, if declared will be accrued during life cover continuance period till all the due premium(s) along with interest, if any are not received. 


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 –
 

i. paying all unpaid due Premiums along with interest; and

ii. 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 current interest charged for delay in premium payment is 7.70% p.a. which may be revised from time to time. Any change in basis of calculation of revival interest rate is subject to prior approval from IRDAI 

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. The policy will acquire surrender value after first two full years’ premiums have been paid.

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. The GSV factors are dependent upon policy year of surrender and policy term.


The Guaranteed Surrender Value (GSV) will be GSV factor for premium * total premium paid Plus GSV factor for simple reversionary bonus * accrued simple reversionary bonus, if declared, Less sum of all survival benefits paid, if any till the date of surrender.

The Special Surrender Value 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 declared)} multiplied by the SSV 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.

GSV factors are mentioned in Annexure B.

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 15 days from the date of receipt of the policy. The free-look period for policies purchased through distance marketing or electronic mode will be 30 days.


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 and rider premium, if any, for the time the policy was in force
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.

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.
 

OPTIONBENEFIT
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 IllnessThis 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 IllnessThis 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 work?

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 3,46,647 @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 (4,00,859 @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, 10, 15 years.

 

Sample Maturity Amount for Policy Term 15 years and 20 years

 

AgeAnnualized PremiumSurvival Benefit at the end of 3rd, 7th and 11th Policy YearPolicy Term 15 yearsPolicy Term 15 yearsPolicy Term 20 yearsPolicy Term 20 years
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 1,00,0001,03,000 14,44,3639,71,000 23,68,800 10,08,000 
35 years1,00,0001,03,000 14,16,100 9,52,000 23,10,050 9,83,000 
45 years1,00,0001,03,000 13,80,400 9,28,000 22,59,525 9,61,500 
55 years1,00,0001,03,000 13,28,338 8,93,000 21,43,200 9,12,000 

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
NilNil
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 the life assured's unfortunate demise, the death benefit will be paid to the nominee(s), given the policy is in force or fully paid up.

 

The nominee(s) will receive the higher of:

 

a. Sum Assured on Death along with Accrued Simple Reversionary Bonus, if declared, and Terminal Bonus, if declared.

 

OR

 

b. 105% of the total premiums paid until the date of death.

 

where, The Sum Assured on Death is 10 times the Annualised Premium.

 

The nominee(s) can choose to receive this benefit as either a lump sum or as a monthly income spread over 5, 10, or 15 years.

 

Policyholders have the option to enhance the death benefit coverage by selecting additional riders, as outlined in Section 7 of the policy. For comprehensive details on available riders, please refer to the rider brochure.

 

Note: Death benefit will be paid either as a lump sum amount or in monthly instalments over the period of 5,10, or 15 years as opted by the policyholder/ nominee(s) at any time during the policy period or on the death of Life Assured.

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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Why IndiaFirst life

1.6 Crore

Lives secured since Inception

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Available in 16,500+

BOB & UBI Branches

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26,796 Crore

AUM as of Feb'2024

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1 Day

Claim settlement assurance

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1800 209 8700

Customer Care Number

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8828840199

For online policy purchase

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+91 22 6274 9898

Chat with us on WhatsApp

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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.