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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
5 years - 81 years
| Frequency | Minimum Premium Amount (Rs.) |
|---|---|
| Monthly | Rs 270 |
| Quarterly | Rs 803 |
| Half-yearly | Rs. 1,587 |
| Yearly | Rs 3,100 |
Monthly / Quarterly/ Half Yearly / Yearly
Regular Premium: Same as chosen Policy Term
How people have benefitted from IndiaFirst Life
Hassle-free Onboarding Process
From the onboarding process to the comprehensive medical tests, IndiaFirst Life ensured a hassle-free journey for me. The features of the plan I purchased are as per my expectations, providing me with peace of mind for future.
Mohit Agarwal
(Mumbai, 21st March 2024)
How people have benefitted from IndiaFirst Life
Pleasant Online Buying Experience
Buying IndiaFirst Life's life-insurance policy was a pleasant experience for me. The hassle-free nature of interaction with the company's representative was a boon and so was the inclusion of must-have features in their policy plans.
Satyam Nagwekar
(Mumbai, 22nd March 2024)
How people have benefitted from IndiaFirst Life
Trusted ally in my financial journey
IndiaFirst Life's Radiant Smart Invest Plan has completely won me over! It's like having a trusted ally in my financial journey. With its flexible fund switch options, I've been able to craft my investments just as I envisioned. In just a year, I've seen a remarkable 20% return on my investments! The support from the onboarding team has been absolutely fantastic, making me feel truly cared for and supported.
Paulomi Banerjee
(Kolkata, 21st March 2024)
IndiaFirst Life Elite Term Plan is a pure protection plan which offers an insurance cover on your life till age 99. The policy secures your family and loved ones in case of your untimely demise. You can easily purchase the plan online.
You may revive the lapsed policy within 5 years from the due date of first unpaid regular premium but before the maturity date by:
Submitting a written request to revive the lapsed Policy
Paying all unpaid due remiums without any interest; and
Providing a declaration of good health and undergoing a medical examination at your own cost, if needed.
A lapsed policy will only be revived along with all its benefits in accordance with our board approved underwriting policy. The policy will terminate and you will not be entitled to receive any benefits, If the lapsed policy is not revived before the expiry of the revival period.
No, there is no surrender value payable under this plan.
Yes, you can cancel your policy if you disagree with any of the terms and conditions within 30 days (free look period) from receipt of your policy document, whether electronically or otherwise. You can return the policy to us, while stating your specific objections. Request for cancellation of policy during free look period will be processed and premium will be refunded within 7 days of receipt of request.
We will return your premium as follows –
Premium paid less:
I. Risk Premium for the period you were covered under the policy
II. Charges towards medical examination, if any
III. Stamp duty charges
Loan facility is not available under this policy.
Fraud/ Misstatement will be dealt with in accordance with provisions of Section 45 of the Insurance Act 1938, as amended from time to time.
We provide a grace period of 30 days for Yearly, Half-Yearly or Quarterly premium mode and 15 days for Monthly premium mode. This period starts from the due date of each premium payment. All your policy benefits continue during this grace period. In case of death during the grace period, we will pay the sum assured to the nominee/appointee/legal heir after deducting the due premium.
If you do not pay your premiums before the end of the grace period, your life cover ceases, and your policy will lapse.
Premium will depend on the life assured’s age, the policy term and the sum assured chosen.
The mode of premium payment and frequency will also impact the premium amount. The following premium frequency factors will apply on the yearly premium to avail of instalment premium.
| Premium Frequency | Factor To Be Applied To Yearly Premium |
|---|---|
| Monthly | 0.0870 |
| Half Yearly | 0.5119 |
| Quarterly | 0.2590 |
| Yearly | 1 |
The Sum Assured under this policy will be higher of:
⦁ Sum Assured on Death
⦁ 10X theannualized premium
⦁ 105% of Total Premiums Paid (TPP) till date of death.
Customer to choose the Sum Assured on Death subject to minimum and maximum Sum Assured conditions as per Board approved underwriting policy. Premium will be calculated on the basis of Sum Assured chosen. Please refer to the eligibility criteria mentioned above for more details.
| Coverage Options | Death Benefit |
|---|---|
| Option: Life Benefit | Sum Assured as a lumpsum amount is payable on the death of the life assured, during the term of the policy. However, the nominee has an option to receive level monthly instalments over a period of 5 years. The policy terminates once the full amount of benefit is paid out. |
There is no maturity or survival benefit payable under this policy. This is a non-participating pure term insurance policy.
In case of 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.
Need a protection plan that is tailored especially for your needs? Look no further! This plan aims to give you and your family financial security in an easy and convenient way.
A protection plan for your family that helps them stand independently! IndiaFirst Life Plan gives your family a financial cushion to fall back on in your absence.
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BEWARE OF SPURIOUS PHONE CALSS AND FICTIOUS/FRADULENT OFFERS
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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Registered Office
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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