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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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Visualize your Plan
65 years
Minimum age: 15 years
Maximum age:
9/12/15 years
5/7/10 years
| Premium Paying Mode | Minimum Premium |
|---|---|
| Monthly | Rs 522 |
| Quarterly | Rs 1,554 |
| Half Yearly | Rs 3,071 |
| Yearly | Rs 6,000 |
₹6,000
How people have benefitted from IndiaFirst Life
From the onboarding process to the comprehensive medical tests, IndiaFirst Life ensured a hassle-free journey for me. The features of the plan I purchased are as per my expectations, providing me with peace of mind for future.
Mohit Agarwal
(Mumbai, 21st March 2024)
How people have benefitted from IndiaFirst Life
Buying IndiaFirst Life's life-insurance policy was a pleasant experience for me. The hassle-free nature of interaction with the company's representative was a boon and so was the inclusion of must-have features in their policy plans.
Satyam Nagwekar
(Mumbai, 22nd March 2024)
How people have benefitted from IndiaFirst Life
IndiaFirst Life's Radiant Smart Invest Plan has completely won me over! It's like having a trusted ally in my financial journey. With its flexible fund switch options, I've been able to craft my investments just as I envisioned. In just a year, I've seen a remarkable 20% return on my investments! The support from the onboarding team has been absolutely fantastic, making me feel truly cared for and supported.
Paulomi Banerjee
(Kolkata, 21st March 2024)
IndiaFirst Life POS Cash Back Plan is a non linked, non participating, limited premium, money back insurance plan. The policy provides security for your family while providing periodical payouts despite the ups and downs of life. Under this policy, you can choose how much you would like to insure yourself based on your requirements. We suggest you make sure this amount is what your family needs to avoid cash flow problems in case of the Life Assured's untimely demise.
Yes, Government taxes will be applicable as per prevailing government regulations which are subject to change from time to time. These taxes will be borne by you, the policyholder.
Yes, you can return your policy within the Free Look period;
In case you do not agree to the any policy terms and conditions, you have the option of returning the policy to us stating the reasons there of, 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. On receipt of your letter along with the original policy document, we shall arrange to refund you the premium, subject to deduction of the proportionate risk premium for the period of cover and stamp duty.
Do you get any refund when you cancel your policy?
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
No, loan facility is not available under this policy.
This is a limited premium policy with the option of choosing a policy term of 9/ 12/ 15 years.
2.A. What is the premium paying term available under the policy?
| Policy Term | Premium Payment Term |
|---|---|
| 9 years | 5 years |
| 12 years | 7 years |
| 15 years | 10 years |
The life assured has the option to pay monthly/ quarterly/ six monthly or yearly
| Premium Paying Mode | Minimum Premium |
|---|---|
| Monthly | ₹ 522 |
| Quarterly | ₹ 1554 |
| Half Yearly | ₹ 3071 |
| Yearly | ₹ 6000 |
The following premium frequency factors for monthly, quarterly and six monthly policies will apply on the yearly premium to paid the premium for the below frequency.
| Premium Frequency | Factor To Be Applied To Yearly Premium |
|---|---|
| Monthly | 0.0870 |
| Quarterly | 0.2590 |
| Half Yearly | 0.5119 |
You have the option to choose the sum assured on maturity as per your needs and requirement.
| Sum Assured on maturity | Limit |
|---|---|
| Minimum | ₹ 50,000 |
| Maximum | ₹ 10,00,000 |
The guaranteed additions will depend on the policy term as mentioned below:
| Policy Term | Rate of Guaranteed Additions as % of one Annualized Premium at every policy year end |
|---|---|
| 9 years | 5% of Annualized Premium |
| 12 years | 6% of Annualized Premium |
| 15 years | 7% of Annualized Premium |
The Guaranteed Additions will accrue at the end of the policy year and will continue to accrue in the same way after completion of premium payment term provided all premiums are paid till the date of maturity.
Yes, the policy offers a high sum assured rebate as mentioned below -
| Sum Assured Band | Discount in premium per thousand Sum Assured on maturity (in Rs) |
|---|---|
| ₹ 50 thousand to less than ₹ 1 lakh | Nil |
| ₹ 1 lakh to less than ₹ 2 lakhs | 6 |
| ₹ 2 lakhs to less than ₹ 5 lakhs | 9 |
| ₹ 5 lakhs and above | 10 |
The life assured will receive 60% of the sum assured at maturity along with guaranteed additions based on the policy term as maturity benefit. The benefit will be payable at the end of policy term.
This policy may include the 'Life Assured', the 'Policyholder', the 'Nominee' and the 'Appointee'.
Who is a Life Assured'?
Life assured is the person, on whose life the policy has been issued. Risk Cover starts immediately on the Policy start date. On the Life Assured's death, the benefit is paid out and the policy ends. Any person can be the life assured, as long as –
| Policy Term | Minimum Age at Entry attained | Maximum Age at Entry attained |
|---|---|---|
| 9 Years | 15 Years | 45 Years |
| 12 Years | 15Years | 50 Years |
| 15 Years | 15 Years | 50 Years |
| Maximum Maturity age |
|---|
| 65 years as on the last birthday |
Who is a policyholder?
A policyholder is the person who holds the policy. The policyholder may or may not be the Life Assured. You must be at least 18 years as on your last birthday at the time of applying for the policy, to be a policyholder.
Who is a nominee?
Nominee(s) is the person nominated by the Life Assured under this Policy who is authorized to receive the claim benefit payable under this Policy and to give a valid discharge to the Company on settlement of the claim. Nomination should be in accordance with provisions of Sec 39 of the Insurance Act 1938 as amended from time to time.
Who is an appointee?
Appointee is the person to whom the proceeds/ benefits secured under the Policy are payable if the benefit becomes payable to the nominee(s) and nominee(s) is minor as on the date of claim payment.
The Risk commencement date is the date from which the insurance coverage starts under this Policy. The Risk Commencement date is the same as the date of issuance of the policy or the policy start date.
In case of life assured's unfortunate demise, we will pay the death benefit to the nominee/ appointee/ legal heir/ assignee / person.
The death benefit shall be the sum of Sum Assured on death and guaranteed addition till date of death where Sum Assured on death is defined as highest of :
The guaranteed Sum Assured on maturity is the Basic Sum Assured or an Absolute amount assured to be paid on death.
In the life assured's unfortunate demise, after the payment of death benefit, the policy gets terminated and hence no Survival Benefit or Maturity benefit is payable.
In case of policyholder's untimely demise while the life assured is a minor, the surviving parent or legal guardian or anyone with an insurable interest in the minor's life will be the policyholder.
The life assured will automatically become the policyholder once he/ she attains 18 years' age.
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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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