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நீங்கள் 100 செலுத்தினால், நாங்கள் 105 முதலீடு செய்வோம்*. இந்தியாவின் முதல் ஸ்மார்ட் ரிட்டையர்மென்ட் திட்டத்தை அறிமுகப்படுத்துகிறோம். இது, புத்திசாலித்தனமான வாடிக்கையாளர்களுக்கான சிறந்த ஓய்வூதியத் திட்டம். *நிபந்தனைகள் பொருந்தும். (UIN: 143L076V01)

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நீங்கள் 100 செலுத்தினால், நாங்கள் 105 முதலீடு செய்வோம்*. இந்தியாவின் முதல் ஸ்மார்ட் ரிட்டையர்மென்ட் திட்டத்தை அறிமுகப்படுத்துகிறோம். இது, புத்திசாலித்தனமான வாடிக்கையாளர்களுக்கான சிறந்த ஓய்வூதியத் திட்டம். *நிபந்தனைகள் பொருந்தும். (UIN: 143L076V01)

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உங்களுக்கு ஏற்ற நேரத்தை எங்களுக்குத் தெரியப்படுத்துங்கள்.

லைஃப் இன்சூரன்ஸ் வாங்குவது குறித்து நிபுணரிடம் கேளுங்கள்

உங்கள் குடும்பத்தின் எதிர்காலத்திற்கு நீங்கள் முன்னுரிமை அளிக்கிறீர்கள் என்பதை அறிந்து நாங்கள் மகிழ்ச்சி அடைகிறோம். சிறந்த இன்சூரன்ஸ் பிளானை தேர்ந்தெடுக்க எங்கள் லைஃப் இன்சூரன்ஸ் நிபுணர் உங்களுக்கு உதவுவார். அழைப்பை திட்டமிட, கீழே உள்ள சில விவரங்களைப் பகிருங்கள்.

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உங்கள் விவரங்களைச் சமர்ப்பித்ததற்கு நன்றி

எங்கள் பிரதிநிதி விரைவில் உங்களைத் தொடர்புகொள்வார்.

உங்கள் அன்புக்குரியவர்களுக்கு ஒரு குறிப்பிட்ட மற்றும் பாதுகாப்பான எதிர்காலத்தை உறுதி செய்யுங்கள்!

ஆயுள் காப்பீட்டு பாலிசி

இந்தியா ஃபர்ஸ்ட் லைஃப் இன்சூரன்ஸ் பல்வேறு வகையான லைஃப் இன்சூரன்ஸ் பிளான்களை உங்கள் வாழ்க்கையின் வெவ்வேறு இலக்குகளை சந்திக்கவும் உங்கள் அன்புக்குரியவர்களின் பாதுகாப்பை உறுதி செய்யவும் வழங்குகிறது. ஆயுள் காப்பீட்டு பாலிசியை புரிந்துகொள்வது கடினம் அல்ல. இந்தியா ஃபர்ஸ்ட் லைஃப்பில், எளிய, ஏற்றுக்கொள்ளக்கூடிய விலையிலான மற்றும் பயனுள்ள ஆயுள் காப்பீட்டுத் தீர்வுகளை உருவாக்குவதில் நாங்கள் பெருமை கொள்கிறோம்.

  • உங்கள் அன்புக்குரியவர்களை பாதுகாக்கவும்
  • செல்வத்தை உருவாக்குங்கள்
  • உங்கள் வாழ்க்கையின் இரண்டாவது இன்னிங்ஸை திட்டமிடுங்கள்
  • உங்கள் குழந்தையின் கல்விக்காக முதலீடு செய்யுங்கள்
  • உத்தரவாதமான வருமானம் கிடைக்கும்
  • காப்பீட்டின் இரட்டை பலன்களை அனுபவிக்கவும்
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வாழ்க்கை காப்பீட்டு திட்டங்கள்

What is a Life Insurance Policy?

A life insurance plan is essentially an agreement between an insurance provider and a customer. The insurance company commits to pay a lump sum to one or more beneficiaries in the event of the insured person’s passing during the policy term. And the policyholder pays a fixed amount at regular intervals to keep the policy active. To put it simply, life insurance acts like a financial safety net for your loved ones.

Today, you will find different types of life insurance plans online. Some focus on financial returns, such as ULIPs that offer investment-linked growth and guaranteed returns plans offering a source of income. Others primarily offer financial security, such as term insurance plans and savings plans. Hence, it is imperative to gauge your needs before choosing a life insurance plan.

IndiaFirst Life Finds

According to a survey carried out by the collaboration between the Indian Council of Medical Research (ICMR) and the Public Health Foundation of India (PHFI), the IHME, and experts from across India, in 2016, the life expectancy of males was 66.9 years and that of females was 70.3 years.

Is Buying a Life Insurance Policy Important?

With a life insurance plan, you can better deal with the following aspects of your and your loved ones’ lives:

Financial Security

A death benefit can be used to meet financial obligations and outstanding debt, which helps take the burden off of your nominee/family member.

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Coverage of Income Loss

A death benefit can be used to replace the loss of a source of income. You can opt for certain plans tailored to offer this kind of help.

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Inheritance and property management

Dealing with inheritance processes and estate planning may need a steady cashflow in place. A well-planned life insurance purchase may help you set up the same.

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End-of-Life Expenses

Payouts received from a life insurance plan can be used for end-of-life expenses and funeral costs, both of which can often come up without warning.

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Stability in business

Business-related expenses such as the setting up of contracts, paying off of debts, and putting money into certain initiatives, can come up unannounced. Again, making a well-planned choice when you buy a life insurance policy could help in times of need.

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Financial security after retirement

Staying stress-free during retirement cannot be possible without financial security. Pension/retirement plans can help you achieve the same.

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Peace of Mind

An essential aspect of your and your family members’ lives, peace of mind can be achieved with a life insurance policy (even if it is a basic term insurance policy). The financial backup it provides can help keep worries at bay.

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Who Should Buy a Life Insurance Policy in India?

Anyone who understands the implications of future risk and wishes to secure their loved ones should purchase a life insurance policy. For someone in their 20s, a life insurance policy can help cover expenses such as school debts. Someone who has just crossed the age of 30 can use a life insurance policy for maybe a monthly income or any other similar need. 

It can be said that any stage of life that a person is in, a life insurance policy can help them with unforeseen and unwelcome situations. A person can also purchase a long-term insurance policy for life.

The suitability of a life insurance policy does not restrict itself only to age.

You can also purchase a policy if the insured individual –

  • Is not a permanent citizen of the country

  • Indulges in smoking

  • Is suffering from a medical condition

  • Is affected by a disability

For the above situations, the policy particulars, such as premium value and sum assured will vary on a case-to-case basis. 

Tip: One can use an online life insurance calculator to understand the particulars of a policy. The tool takes in basic personal information of the life insured, along with the selected policy features, to provide estimates of the premium payments.

Build your future with IndiaFirst Life

With our range of plans offering various kinds of life insurance benefits, you can

  • Protect your loved ones

  • Build the family legacy

  • Plan your child’s future

  • Plan your retirement

  • Set up a second income

  • Buy a house

Basic Life Insurance Terminology

In order to understand life insurance policy details and buy life insurance, there are a few basic life insurance terms you should know.
 

Policy holder

When you buy life insurance and make periodic life insurance premium payments, you become a life insurance policy holder. While you own the policy, the life assured within the life insurance cover could be someone else.

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Life assured

The insured person who has life cover as mentioned in the life insurance policy details.

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Life insurance premium

The amount you pay to buy life insurance and keep the policy active.

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Sum assured

The guaranteed sum of money that your nominees/beneficiaries will receive in case of the life insurance policy holder's demise.

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Death benefit

This is the amount paid to the nominee if the policy holder dies during the policy term. The death benefit and the sum assured are not the same—the death benefit is likely to be higher than the sum assured as it includes rider benefits and bonuses (if any).

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Survival/maturity benefit

A survival benefit is paid to the policy holder upon completing a pre-determined amount of life policy tenure. In contrast, a maturity benefit is paid when the insured outlasts the life insurance policy term. Pure protection or term life insurance plans do not offer either benefit.

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Riders

Riders are additional features that can be added to life insurance plans for a fee to expand the scope of the basic life cover policy. Typical life insurance rider options include accidental death benefit rider, accidental total and permanent disability benefit, critical illness cover, and waiver of life insurance premium rider.

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IndiaFirst Life Empowers

IndiaFirst Life has an informative guide for individuals new to life insurance, called Insurance Ki Kitaab. With this initiative, IndiaFirst Life looks to empower people with the right knowledge about life insurance and a good understanding of its significance in their lives.

பல்வேறு வகையான ஆயுள் காப்பீட்டுக் கொள்கைகள்

பார்ட்டிசிபேட்டிங் (par)

இந்த பாலிசிகள் வழக்கமாக குறைந்தபட்ச உத்தரவாதத் தொகையைக் கொண்டிருக்கும், அது அவ்வப்போது அறிவிக்கப்படும் போனஸுடன் கூடுதலாக இறப்பு அல்லது முதிர்ச்சியின் போது செலுத்தப்படும். போனஸ் அறிவிக்கப்பட்டதும், பாலிசியில் சேரும் மற்றும் உத்தரவாதம் அளிக்கப்படும்.

நான்-பார்ட்டிசிபேட்டிங்(non-par)

இந்தத் தயாரிப்புகள் டேர்ம் பிளான்கள் என்றும் அழைக்கப்படுகின்றன, ஒரு தூய பாதுகாப்புத் திட்டம், ஒவ்வொரு ஆண்டும் செலுத்த வேண்டிய பிரீமியத்திற்கு ஈடாக பாலிசியின் காலத்திற்கு 99 முதல் 100 ஆண்டுகள் வரை ஆயுள் கவரேஜை வழங்குகிறது.

நான்-பார்ட்டிசிபேட்டிங் சேவிங்ஸ்

பாலிசியின் தொடக்கத்தில் முழுமையான விதிமுறைகளில் உத்தரவாதம் அளிக்கப்படும் பலன்களை வழங்கும் தயாரிப்புகள், இதன் மூலம் உத்தரவாதங்கள் மற்றும் வருவாய்களின் அபாயத்தை காப்பீட்டு நிறுவனத்திற்கு மாற்றும்.

யூனிட் லிங்க்ட் இன்சூரன்ஸ் பிளான்கள் (ULIP)

இது முதலீடு மற்றும் பாதுகாப்பின் கலவையை வழங்குகிறது, அங்கு வாடிக்கையாளர்கள் மாற்றியமைக்கக்கூடிய தன்மையைக் கொண்டு, அவர்களின் பங்களிப்புகள் அவர்களின் இடர் ஏற்றுக்கொள்ளும் திறனைப் பொறுத்து முதலீடு செய்யப்பட்டுள்ள சொத்து பிரிவுகளைத் தீர்மானிக்கும்,

Based on the above categorisation, a life insurance company usually offers the following products –
 

Term Insurance Plans

The simplest type of life insurance providing a death benefit upon the untimely demise of the policyholder.

Endowment Plans

Low-risk savings options offering a death benefit along with pay-outs. 

Retirement Plans

Designed to be purchased during the working years of an individual and to create a corpus for the individual to rely on during their retirement years.

Savings Plans

Encourages disciplined savings by disbursing invested money at steady intervals. They may also offer a death benefit and may include critical illness coverage.

Group Insurance Plans

Meant to cater to many individuals (group) by providing life insurance coverage to the nominees of all members of the group.

Child Insurance Plans

Designed to provide a death benefit along with pay-outs at different stages of the child’s education.

Wealth Creation Plans

ULIP-based products providing the benefits of market growth along with life insurance coverage.

Money-Back Plans

Offers financial life insurance coverage along with payouts based on the money invested.

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Explore Our Life Insurance Plans 

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IndiaFirst Life Plan

Product Name
IndiaFirst Life Plan
Product Description

Protect your family's future with IndiaFirst Life Plan – a plan that caters to your family's protection requirements and offers great benefits to keep your loved ones secure.

Product Benefits
  • Flexible Policy Term Options
  • Guaranteed Death Benefits
  • Choice to Customise Life Coverage
  • Tax Benefits
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IndiaFirst Life Radiance Smart Invest Plan

Product Name
IndiaFirst Life Radiance Smart Invest Plan
Product Description

Have you heard of a plan that not only gives you a life cover but also helps in wealth creation? Enjoy 2 benefits in 1 plan with

Product Benefits
  • Zero allocation charges
  • Give you a life cover
  • Covers death caused by accidents
  • Helps in investment optimization
  • Reduce risks
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IndiaFirst Life Guaranteed Single Premium Plan

Product Name
IndiaFirst Life Guaranteed Single Premium Plan
Product Description

Wondering if there is a way to get 7x return on your investments? Your search ends here! With this single payment plan, you can achieve your financial goals. 

Product Benefits
  • Guaranteed 7x returns on investment 
  • One-time payment (Single Pay) 
  • Tax saving benefits 
  • Life Cover that is 1.25 times higher 
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IndiaFirst Money Balance Plan

Product Name
IndiaFirst Money Balance Plan
Product Description

Balanced growth, secured future: A unique unit-linked insurance plan balancing market investments and security.

Product Benefits
  • Automatic fund management for risk balance
  • Life cover with investment growth
  • Systematic switching between equity and debt
  • Tax-efficient ULIP investment
  • Liquidity through partial withdrawals
  • ULIP policy with a safety net
  • Ideal for conservative investors
  • Easy online policy management
  • Assured ULIP life insurance benefits
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IndiaFirst Life Guarantee of Life Dreams Plan

Product Name
IndiaFirst Life Guarantee of Life Dreams Plan
Product Description

Wouldn't it be wonderful if we had a second source of income to support our dreams? Here is a way to make your dreams come true where you can start earning an income from the end of the 1st month itself.

Product Benefits
  • Choice of 3 income Options
  • Guaranteed Long-Term Income
  • Life Insurance Cover
  • Benefits of long-term Savings.
  • Protection even if you miss one premium.
  • Tax benefits
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IndiaFirst Life Fortune Plus Plan

Product Name
IndiaFirst Life Fortune Plus Plan
Product Description

Start a personalized journey with this guaranteed savings life insurance plan that provides flexible premiums, guaranteed survival benefits, and cash bonuses (if declared) along with life insurance cover during the entire policy term of 15 or 20 years. 

Product Benefits
  • Shorter pay commitment of 6,7,8,9 or 10 years. 
  • Get Guaranteed survival benefit.
  • Accumulate benefits with interest.
  • Sum Assured, bonuses*, and interests at maturity.
  • Policy remains effective in your absence (WOP).
  • Flexible premium payments options.
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IndiaFirst Smart Save Plan

Product Name
IndiaFirst Smart Save Plan
Product Description

Smart saving, smarter investing: Tailor your investments and insurance with this versatile ULIP insurance plan.

Product Benefits
  • Customisable investment strategies
  • Life cover with market-linked returns
  • Multiple fund options for diverse portfolios
  • Flexibility in premium payments
  • Top-up facility for additional investment
  • Tax benefits on premiums and returns
  • Easy switch between funds
  • Secure online policy management
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IndiaFirst Life Mahajeevan Plus Plan

Product Name
IndiaFirst Life Mahajeevan Plus Plan
Product Description

Imagine security, savings and cash flow all bundled up to fit your unique financial needs. 

Product Benefits
  • Life cover of up to 15 or 20 years
  • Periodic Cash backs
  • Flexible payment options
  • Uninterrupted Life Cover
  • Potential Bonus Earnings
  • Money Back Discounts with Early Premium Payments
  • Tax Benefits*
  • Added Protection with Riders
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IndiaFirst Maha Jeevan Plan

Product Name
IndiaFirst Maha Jeevan Plan
Product Description

Enjoy a guaranteed maturity amount, annual bonuses^, flexible life insurance coverage options and potential terminal bonuses. Tailor your coverage to meet your family's financial needs.

Product Benefits
  • Flexible Payouts of 15-25 Years
  • Get guaranteed maturity benefit + bonuses (if declared)
  • Policy remains effective in your absence (WOP).
  • Flexible Premium Payment Options
  • Tax Benefits*
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IndiaFirst Life Long Guaranteed Income Plan

Product Name
IndiaFirst Life Long Guaranteed Income Plan
Product Description

An endowment life insurance plan which guarantees regular income, making it an excellent guaranteed savings plan. 

Product Benefits
  • Short-Term Payments, Long-Term Gains
  • Guaranteed Income to fulfill Financial Goals
  • Lifetime Income Till 99 years of age
  • Premium Payback Assurance
  • Continuous Life Cover without any interruption
  • Enhance with Optional Riders
  • Tax Benefits*
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IndiaFirst Life Cash Back Plan

Product Name
IndiaFirst Life Cash Back Plan
Product Description

A plan that offers guaranteed payouts at regular intervals to meet your specific financial needs.

Product Benefits
  • Pay for shorter period, enjoy long term benefit 
  • Get Periodic Payouts
  • You can stay invested for 9, 12, or 15 years
  • Guaranteed Payouts at regular intervals
  • Receive Guaranteed Additions# after completion of every policy year!
  • Comprehensive Risk Cover
  • Tax Benefits*
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IndiaFirst Simple Benefit Plan

Product Name
IndiaFirst Simple Benefit Plan
Product Description

Introducing a non-linked endowment life insurance plan offering life cover, assured savings, and bonuses on specific events.

Product Benefits
  • Flexible Policy Term
  • Instant Policy Issuance
  • Comprehensive Death Benefit
  • Guaranteed Maturity Payout
  • Tax Benefits*
  • Receive reversionary & terminal bonus (if declared)
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IndiaFirst Life Guaranteed Monthly Income Plan

Product Name
IndiaFirst Life Guaranteed Monthly Income Plan
Product Description

A non-linked, participating, limited premium, life insurance plan which offers guaranteed monthly income and life cover – an ideal blend for your family's security and prosperity.

Product Benefits
  • Guaranteed Monthly income
  • Choose Policy term between 16 to 27 years.
  • Flexible Premium Payment Options
  • Stand to Receive from 105% to 125% of your premiums Annually 
  • Comprehensive Death Benefit
  • Tax Benefits*
  • Receive Simple Reversionary Bonus & Terminal Bonus (if declared)
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IndiaFirst Life Micro Bachat Plan

Product Name
IndiaFirst Life Micro Bachat Plan
Product Description

Save smartly for your future goals with just 5 years of premiums. Get covered for up to 10 or 15 years, ensuring peace of mind for your loved ones.

Product Benefits
  • 5-year premiums for long-term goals 
  • Life cover for an entire year even if one premium is missed 
  • Annual bonuses for boosting savings 
  • Accidental Death Benefit option 
  • Payouts in a lump sum or instalments over 5 years for death benefit 
  • Tax benefits on premiums and maturity amount as per prevailing tax laws 
  • Waiver of Premium Rider option 
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IndiaFirst Life Saral Bachat Bima Plan

Product Name
IndiaFirst Life Saral Bachat Bima Plan
Product Description

A comprehensive savings plan for your family's financial security with guaranteed benefits, shorter payment terms & life cover. 

Product Benefits
  • Long-Term Protection 
  • Shorter Pay Commitment of 5 or 7 years. 
  • Yearly Guaranteed Additions
  • Flexible Death Benefits
  • Receive Additional Sum Assured on Accidental Death
  • Policy Remains Effective in Your Absence (WOP)
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IndiaFirst Life Guaranteed Benefit Plan

Product Name
IndiaFirst Life Guaranteed Benefit Plan
Product Description

A non-linked, limited premium endowment policy with 5/ 6/ 7-year commitment, providing savings, protection, and flexible options to suit your needs. 

Product Benefits
  • Choose Income or Lumpsum Benefit
  • Customize your plan
  • Limited Premium Payment Period
  • Continuous Life Cover
  • Waiver of Premium Rider
  • Tax Benefits* 
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IndiaFirst Life Smart Pay Plan

Product Name
IndiaFirst Life Smart Pay Plan
Product Description

A smart solution designed to offer money-back plan with shorter pay commitments, liquidity, and life cover.

Product Benefits
  • Shorter Premium Payment Period
  • Uninterrupted Life Cover
  • Get 103% of one annual premium as Survival Benefit 
  • Get Sum Assured at Maturity + bonuses (if declared) 
  • Policy remains effective in your absence (WOP) 
  • Tax Benefits*
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IndiaFirst Life Micro Insurance Khata Plan

Product Name
IndiaFirst Life Micro Insurance Khata Plan
Product Description

A simple, secure, micro-life insurance and endowment plan. This savings plan protects your family's needs in case of emergencies, while also ensuring returns on your investment.

Product Benefits
  • Simple and easy to purchase policy 
  • Family financial protection 
  • Guaranteed benefit on maturity 
  • Flexible coverage options 
  • Increase coverage with additional premiums 
  • Assured benefit clarity right at the inception 
  • Tax benefits on premium and maturity amount 
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IndiaFirst Life POS Cashback Plan

Product Name
IndiaFirst Life POS Cashback Plan
Product Description

Plan offers you the best of both worlds: Regular Cashback to enjoy your present and a Guaranteed Maturity Payout to plan your future.

Product Benefits
  • Family security 
  • Regular payouts 
  • Limited premium 
  • Tax benefits 
  • Flexible term options 
  • High risk cover 
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IndiaFirst CSC Shubhlabh Plan

Product Name
IndiaFirst CSC Shubhlabh Plan
Product Description

Enjoy the convenience of smaller savings with IndiaFirst CSC Shubhlabh Plan, a low premium insurance plan that protects your family from life’s uncertainties while growing your investment year on year.

Product Benefits
  • Hassle-free enrollment 
  • Guaranteed extra returns @ 4% p.a. for first 5 years
  • Easy access to funds after 5 years
  • Build wealth & get life cover.
  • Flexible premium payments options.
  • Tax benefits* 
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How Does a Life Insurance Policy Work?

When you buy a life insurance policy, the insuring company becomes obliged to provide a certain pre-decided amount (life insurance payout). This payout is directed to the pre-selected individual/s (nominee/s), upon the insured individual’s demise. For a life insurance policy to be active, certain payments (premiums) need to be paid to the insurance company by the policyholder. 

To put it simply, a policy-buyer pays a certain sum of money in the present for the nominee to receive a more significant sum of money in the future. Since there are different types of policies, the value and manner of premium payment will vary accordingly.

For example, if it’s a term policy, the premiums will be charged mainly for the pre-selected amount (death benefit) to the nominee upon the insured individual’s demise. If it’s an endowment policy or a guaranteed return plan, the insured individual may receive a payout at the end of the policy, upon survival. Each type of policy comes with certain inclusions and exclusions, which determine what benefits the nominee can avail.

Benefits of Life Insurance Policy in India

After understanding what life insurance is and looking through its types, let’s get familiar with the benefits of its plan offerings.

Coverage against Risk

The life insurance death benefit payout is the most important aspect of a policy. It is a direct solution for the ever-present risk of the insured individual passing away without any warning.

Growth of Funds

ULIP-based plans let you invest in market-linked options to allow your wealth to grow over a certain period.

Coverage for Increasing Expenses

A life insurance policy in India can offer different benefits, such as riders or coverage boosts and premium waivers. These can help you better deal with future emergencies or increasing expenses.

Guaranteed Returns

Certain plans let you save your money and then receive fixed benefits in the future.

Loan Facility

A loan can be taken out on your life insurance policy, to meet additional expenses.

Tax-savings

Premiums paid toward a life insurance policy can be eligible for tax deductions. The same benefit could be availed on benefits paid out by policies, depending on prevalent and applicable tax laws and regulations.

IndiaFirst Life Finds

According to a renowned professor from the All India Institute of Medical Sciences, every 4 minutes, a person in India passes away due to a stroke.

Tax Benefits of Life Insurance

Life insurance plans are tax-efficient instruments.

Tax Benefits On Life Insurance Premium Amounts

Under provisions of the IT Act – Section 80C, you can claim a tax deduction of up to Rs. 1.5 lakhs on premiums paid for life insurance of India. Pension life insurance cover premiums are eligible for deductions under Section 80CCC. A maximum deduction of Rs. 25,000 is allowed under Section 80D for health insurance plans.

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Tax Benefits On Life Insurance Cover Claims

One of the best benefits of life insurance plans is that the claims received are tax-free under Section 10(10D).

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Commuted Pension Tax Benefits

Under Section 10(10A) of the IT Act, 1/3rd of the sum withdrawn as cash from deferred annuity life insurance policy plans is called commuted pension and is tax-free.

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Choose the Right Life Insurance Policy

It’s of utmost importance that future policyholders in India choose the best life insurance policy for their and their nominees’ financial security. 

To do so, the following tips should be kept in mind:

  • Always keep in perspective 3 things – current financial conditions, future expected expenses, long-term wealth goals

  • Keep track of your assets and liabilities

  • Take into account the current and future needs of the people dependent on you

  • Browse different types of policies, product offerings, and compare life insurance policy quotes

  • When choosing a life insurance company, look at important after-purchase factors such as customer service and claim settlement ratio

  • Consider factors such as emergencies and rate of inflation when choosing policy particulars such as sum assured and premium amount

  • To avoid any lapse or delay in your payments, ensure to consider current and future affordability before purchasing a policy

“IndiaFirst Life’s Radiant Smart Invest Plan has completely won me over! It’s like having a trusted ally in my financial journey.”

-   Paulomi Banerjee (an IndiaFirst Life customer)

Why do You need a Life Insurance Plan?

  • One of the fundamental reasons to buy life insurance is to ensure that your family members have financial support in case of your demise.

  • Irrespective of their age, your children will always be your responsibility. Life insurance investment & savings plans help you save for your child’s future. 

  • With the right types of life insurance plans, you can ensure that a second stream of income is created to replace your professional income after retirement.

  • Different types of life insurance plans are connected to different investment instruments that help you achieve your investment and insurance goals. 

  • Life insurance plans provide death benefits or life cover to take care of the debt or liabilities in case something happens to you.

  • Plans that offer life insurance with cashback provide periodic payments which can be used to meet financial contingencies.

  • You get to enjoy the tax benefits on the premium paid and on the sum assured under Section 80C and 10(10) D of the Income Tax Act, 1961 

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What Are The Types of Riders Available in a Life Insurance Policy?

With the help of life insurance riders, policyholders can add extra provisions to their policy and therefore avail coverage and benefits more suited to their needs.

Let’s look at some of the types of rider types one may come across while browsing through plans:

  • Critical Illness Rider

    To avail coverage for any critical illness affecting the insured individual

  • Accidental Death Benefit

    To cover death due to accidents

  • Long-Term Care Rider

    To cover expenses arising out of the long-term medical care of the insured individual

  • Accelerated Death Benefit Rider

    To avail a portion of the life cover when the insured individual is alive

  • Waiver of Premium Rider

    To let the policy be active without a certain number of future premium payments

  • Child Term Rider

    To avail financial coverage upon the unfortunate passing away of a child

How Much Life Insurance Coverage Do You Need?

Analyse your financial situation—income, liabilities, and future responsibilities before you buy life insurance. Calculate the life insurance cover you need based on your current income, potential growth prospects in terms of salary, current living standards and expenses, projected future living costs, inflation, financial liabilities such as loans, and responsibilities such as children's education and marriage.

When browsing through plans, an online life insurance calculator can be an invaluable tool. It can help you understand how your needs and preferences determine the policy benefits and pricing.

Things To Consider Before Finalizing a Life Insurance Policy

Future goals

How your finances should look in the future will determine what kind of policy you should opt for. Goals will range from simple wealth creation to specific milestone expenses for your family members, such as education funds and marriage.

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Financial obligations

A well-chosen life insurance policy may cover debt and liabilities with its benefits. It is important to consider all the financial burdens to ascertain the right policy to buy.

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Age

The coverage and premium value of a policy depends on the age of the insured individual. The younger the individual, the likelier it is that premium value will be lesser.

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Timeframe

Consult an expert to understand how long it will take for your goals to materialise and accordingly how long should your purchased policy last. If needed, you can also purchase an insurance policy for life. After all, it is towards the end of your life that you may experience maximum uncertainty.

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Insurer's reliability

The insurer you choose will ultimately determine –

  • what kind of policy you can purchase

  • what are the benefits you can avail

  • what kind of experience you will have as a customer/policyholder after purchasing the plan.

Consider an insurance company’s claim settlement processes, solvency ratio, customer experience, and other significant factors, before finalisation.

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IndiaFirst Life Cares

As of September 30, 2023, we are offering 30 retail products, 13 group products and 6 riders (across retail and group portfolios). All of them are designed to protect your financial situation by meeting the savings and retirement needs of customers.

Documents Required to Buy a Life Insurance Plan in India

To buy a life insurance policy, the following documents will be needed from a potential policyholder:

  • PAN card

  • Proof of Address

  • Any previous relevant medical records

  • Birth Certificate

  • Income Tax Return receipts

How to buy a Life Insurance Plan from IndiaFirst Life?

The process of buying an online life insurance policy is very straightforward -

Step 1

Basic details

Share your basic details like name, D-O-B, mobile number, gender, person for whom you want to buy the policy, email id, etc.

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Step 2

Additional Details

Share life cover, investment, or annuity details as per your goal.

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Step 3

Get Quote

Quickly generate a quote to calculate your premium or returns.

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Step 4

Payment details

You can choose from our online life insurance plans and make the payment on the website, or our sales expert will reach out to you to explain the details further.

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Step 5

Pay Premium to Activate Cover

Finalize your plan, complete details, pay online, and submit documents for instant activation.

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What are Some Aspects That Affect Life Insurance Premiums?


The life insurance premium you pay depends on several factors, such as:

Age

The earlier you buy life insurance the lower the life insurance premium will be.

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Gender

Women tend to live longer than men and are typically offered lower life insurance premium rates.

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Medical history

Even with no medical life insurance policies, you are required to disclose past medical history and family history of illnesses as they impact your life insurance premium.

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Smoking habit

Smokers have a higher mortality rate and tend to contract more illnesses than non-smokers. Life insurance premium amounts reflect risk, so smokers tend to pay a higher life insurance premium.

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Insurer

Choose a transparent and reliable company offering the best life insurance plans in India to ensure that you get the most competitive rates.

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இந்தியாஃபர்ஸ்ட் லைஃப் இன்சூரன்ஸ் பிளான்களை ஏன் தேர்வு செய்ய வேண்டும்?

ஆன்லைனில் வாங்குதல், பேமென்ட், விரிவான தயாரிப்புத் தகவல் மற்றும் சிறந்த லைஃப் இன்சூரன்ஸ் பிளான்களை எளிதாகத் தேர்வு செய்ய உதவும் குழுவுடன், எங்களைத் தேர்வு செய்யலாம்.

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1.64 Crore+ அதிகமான வழிகையாளர்களால் நம்பப்படுகிறது.

BOB மற்றும் UBI ஆதரவில் உருவானது

98.22% என்ற உயர்ந்த க்ளெய்ம் செட்டில்மென்ட் விகிதம்

தடையற்ற ஆன்லைன் மற்றும் ஆஃப்லைன் அனுபவம்

100% உண்மையான க்ளெய்ம்கள் 1 நாளில் தீர்க்கப்படும்.

File a Life Insurance Claim with Ease

  • To file a claim on a purchased life insurance policy, you simply have to visit the website of the insurer and visit the claims section. You will be asked to verify policy details and submit all the required details of the life assured and nominee for the insurance company to initiate the claim.

  • You can apply for a claim via a non-digital way. Just pick up your phone, dial the customer service desk of the insurance company, and inform them of the situation and the required details needed to file the claim.

  • For a more traditional approach, visit a branch of the insurance company with all the mandatory documents and fill up the necessary forms to submit the claim details.

Tips for Avoiding Life Insurance Claim Rejection

A seamless approval of a claim is a much-needed convenience in times of emergencies and stressful situations. 

To ensure a claim does not get rejected, keep in mind the following tips:

  • Understand your policy document and the mentioned benefits and services completely in order to prevent any misunderstanding during the claims process

  • When filling out a life insurance policy, be honest in submitting information about your health and other private details

  • Pay all your premiums on time

  • Ensure your representative/nominees/family members connected to the life insurance policy are familiar with the policy details and the claims process

  • Disclose all relevant changes or updates to your health, lifestyle, and situation, to the policyholder

Eligibility Criteria

The minimum age at entry is 18 years for self and spouse.

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Age
Answer

The minimum age at entry is 18 years for self and spouse.

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Minimum age at entry for a child is 0-90 days.

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Age
Answer

Minimum age at entry for a child is 0-90 days. 

 

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The maximum age depends on the specific policy. It may differ between 60 to 80 years.

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Age
Answer

The maximum age depends on the specific policy. It may differ between 60 to 80 years. 

 

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The minimum education qualification is graduation for term plan.

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Education
Answer

The minimum education qualification is graduation for term plan.

 

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The minimum yearly income is 2 Lakh, this may differ basis policy types.

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Income
Answer

The minimum yearly income is 2 Lakh, this may differ basis policy types.

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Frequently Asked Life Insurance Questions

Why are life insurance riders important for me?

Answer

Life insurance riders can enhance the effectiveness of your basic life insurance plan. Via riders, you can avail better protection and enhanced coverage. Some examples are the waiver of premiums and coverage for terminal illnesses. What kind of rider is important for you will directly depend on your situation. Do take the help of a life insurance calculator to understand how adding riders defines your policy’s purchase value.

What does a life insurance plan not cover?

Answer

The things not covered by a life insurance policy, called as exclusions, depend on the type of policy and the insurer you opt for. Many exclusions may revolve around the cause and the conditions surrounding the demise of the insured individual.

For example, a life insurance policy may not cover the following kinds of situations–

  • Demise due to driving under the influence of intoxicating substances

  • Demise due to engagement in any illegal activity

  • Demise due to HIV/AIDS

  • Demise due to homicide

  • Demise due to natural disasters

  • Demise due to participation in any adventure sport

  • Demise due to participation in any dangerous competitive sport or activity

  • Demise due to pregnancy or childbirth complications

  • Demise due to self-inflicted injury

  • Demise due to undisclosed pre-existing health conditions

At what age should one buy a life insurance policy?

Answer

Ideally, a person should buy a life insurance policy the moment they begin to have people financially dependent on them, such as a parent, spouse, or child. The earlier the purchase made in life, the lower the premiums for the policy will be. At times, the insurance company would need the insured individual to undergo certain medical check-ups to better ascertain their health. Again, the younger the individual undergoing the tests, the lesser the probability of getting any concerning test results and subsequently higher premium values.

Can a disabled person be covered by life insurance?

Answer

Yes. In most cases, a disabled person can be covered by life insurance. However, the policy’s terms and conditions may differ from the more standard inclusions and exclusions. One should consult an expert to explain their situation and then understand what policy would best suit the needs of a disabled person.

Can a life insurance policy cover an individual who smokes?

Answer

Yes. However, for insuring individuals who smoke, the life insurance policy quotes will be higher, since smoking is considered a health hazard. Compare the premium estimates for different plans before zeroing in on one.

Can a person be covered by life Insurance if they’re suffering from a terminal illness?

Answer

Yes, in most cases. A person suffering from a terminal illness will have a higher probability of passing away and facing additional end-of-life medical expenses. Therefore, insurers need all relevant information of the individual beforehand to set the correct terms and conditions for a policy to be purchased and come into effect. As long as all the requirements set by the insurer are met, a person suffering from a terminal illness can avail of life insurance coverage.

Can a person with a pre-existing illness be covered under a life insurance policy?

Answer

Yes, a person with a pre-existing illness can be covered under a life insurance policy. The aspiring policyholder should ensure that all information pertaining to any relevant pre-existing illness is provided to the insurance company. Failure to do so may impact the claim process and the active status of the policy in the future.

Is buying more than one life insurance policy a wise decision?

Answer

It depends on your needs. There is no rule against purchasing more than one policy. One should only ensure that the premium payments involved do not strain their finances. Consider the post-purchase journey as well, where one has to manage different premium payment frequencies and amounts.

For individuals new to life insurance, a single comprehensive policy covering all situations and providing all essential benefits will be much easier to purchase and manage.

What are the benefits of buying a life insurance plan online?

Answer

Buying online life insurance offers many advantages. If you buy life insurance online, you are purchasing directly without paying commission to intermediaries. You can make an informed choice by checking online life insurance policy reviews, comparing types of life insurance policy options, and understanding the benefits of life insurance policies. You get access to online services and 24x7 customer support when you buy online life insurance policy plans. As compared to offline purchasing, you can buy life insurance online quickly, easily, and in a paperless manner.

What are the different life insurance plan options offered by IndiaFirst Life?

Answer

IndiaFirst Life Insurance provides different types of life insurance policy options, including whole life assurance policy, permanent life insurance plans, pure protection life cover, and life insurance investment plans. 

The primary categories or types of life insurance plans offered by IndiaFirst Life include:

  • ULIP - IndiaFirst Life Wealth Maximizer Plan, IndiaFirst Money Balance Plan, IndiaFirst Life Radiance Smart Invest Plan

  • Non-participating savings - IndiaFirst Life Guaranteed Benefit Plan, IndiaFirst Life Cash Back Plan, IndiaFirst Life Long Guaranteed Income Plan, IndiaFirst Life Saral Bachat Bima Plan, IndiaFirst Life e-Term Plus Plan, IndiaFirst Life Guaranteed Pension Plan, IndiaFirst Life ‘Insurance Khata’ Plan, IndiaFirst Life Guaranteed Annuity Plan

  • Participating - IndiaFirst Life Mahajeevan Plus Plan, IndiaFirst Life Micro Bachat Plan, IndiaFirst Life Little Champ Plan, IndiaFirst Life Guaranteed Monthly Income Plan

  • Non-participating protection - IndiaFirst Life Guaranteed Protection Plan

  • Riders - IndiaFirst Life Waiver of Premium Rider, IndiaFirst Term Rider

What are the different options available for life insurance premium payments?

Answer

The options to make life insurance premium payments are many. Some common ones are -

  • Paying every month

  • Paying every quarter

  • Paying twice in a year

  • Paying once in a year

What happens if the insured individual outlives the life insurance policy?

Answer

It depends on the policy that has been purchased. A typical life insurance policy does not offer any benefit if the insured person outlives the policy tenure. However, certain plans are designed to provide benefits upon survival. Consult with an expert to know more about such plans.

What is the meaning of paid-up value in life insurance?

Answer

After a certain period (say 3 to 5 years), upon failure to make the premium payments, a reduced sum assured amount is paid out instead of the actual pre-decided amount at the time of purchase. This reduced amount is said to be a ‘paid-up value’. Upon the passing away of the life insured, for no premium payments made beyond a certain year, the paid-up value is offered to the nominee and not the original sum assured value.

What will happen if a life insurance nominee dies before the insured individual?

Answer

A nominee who passes away will by default be ineligible to claim any entitled benefits from the policy. In such a situation, the policyholder can change the nominee. The details of this process and the subsequent changes and impact on the policy benefits can be discussed with the insurance company and/or an insurance policy expert.

Will I have to pay tax on a life insurance policy's maturity benefit?

Answer

No. The maturity benefit is tax-free, courtesy of Section 10(10D) of the Income Tax Act of 1961. Do note that tax laws are subject to change with time, and you will have to keep updating yourself with the latest information in order to make the best use of your policy.

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12வது மற்றும் 13வது தளம், வடக்கு [C] பிரிவு, டவர் 4, நெஸ்கோ ஐடி பார்க், நெஸ்கோ சென்டர், மேற்கு எக்ஸ்பிரஸ் நெடுஞ்சாலை, கோரேகான் (கிழக்கு), மும்பை - 400063.

IRDAI தகவல்

IRDAI Regd. எண் 143 | CIN: U66010MH2008PLC183679 மேலே காட்டப்பட்டுள்ள வர்த்தக லோகோ, எங்கள் விளம்பரதாரர்கள் மற்றும் பங்குதாரர்களில் ஒருவரான பேங்க் ஆஃப் பரோடாவிற்கு சொந்தமானது மற்றும் உரிமத்தின் கீழ் இந்தியா ஃபர்ஸ்ட் லைஃப் இன்சூரன்ஸ் கம்பெனி லிமிடெட் மூலம் பயன்படுத்தப்படுகிறது.

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