IndiaFirst Life Super Protection Plan

(Non-Linked, Non-Participating, Life Individual Pure Risk, Savings Plan)

Protect your family’s happiness & future with our most flexible term plan. Buy this term life insurance and give your loved ones the financial security they deserve.

Option to get your money back (Return of Premium- ROP)
Flexibility to pay premiums at your convenience
Lifetime protection till age 99 years
Sum Assured as lumpsum or monthly instalments
Insure your spouse in the same policy

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Overview
Key Features
How to Buy
Sample Illustrations
Eligibility Criteria
Customer Feedback
FAQ

Key Features of IndiaFirst Life Super Protection Plan

Life cover

Financially protect yourself and your family by selecting a life cover that meets your requirement.

2 Coverage options

Customize your plan by choosing from 2 coverage options (Life Option or Life with Return of Premium Option) to suit your safety needs

Waiver of Premium Option

Opt for premium waiver option to ensure continuous coverage on 40 critical illnesses or total disability.

Flexible payout options

Flexibility to receive the death benefit as a lumpsum or as a monthly instalment.

Long Term Life Coverage

Get insurance cover till age 99 years by paying premiums for only a short duration.

Return of premium

Option to get your premium back

Boost Sum Assured Easily

Enhance coverage at special life stages with additional premium. No underwriting required!

Joint life option

Option to provide coverage to your spouse as well under the same policy.

Inbuilt Terminal Illness Benefit

On diagnosis of Terminal Illness, benefit chosen at inception will be payable.

Additional protection with Riders

Flexibility to choose from 2 riders (ADB & TPD) during the policy term at an additional cost.

How to buy IndiaFirst Life Super Protection Plan

Step 1

Enter your Details

Fill in your name, mobile number, gender, date of birth, address and other required essentials. Ensure that the information is accurate and complete.

Step 2

Choose Life Cover & Option for you

Select your life cover amount & option that suits your needs.

Step 3

Review your quote

A quote with premium amount will be generated. Please review all details and coverage options thoroughly to ensure their accuracy as any misinformation can impact your eligibility.

Step 4

Payment Options

Choose your preferred online mode of payment to complete the process and receive the policy.

Visualize your Plan

Life Option

Life with Return of Premium - Death Benefit

Life with Return of Premium – Maturity Benefit

35 Years

Jayesh, is a healthy 35-year-old who works at a private bank is looking for a plan to secure his family’s financial future in his absence. He decides to buy IndiaFirst Life Super Protection Plan with a Sum Assured of INR 1 Crore and coverage till age 85.

35-45 Years

Jayesh pays annual premium of INR 69,866 (exclusive of taxes) for 10 years.

70 Years

On Jayesh’s untimely demise at age 70, sum assured of INR 1 Crore will be paid to his nominee & policy terminates.

35 Years

Rohan, is a healthy 35-year-old who works in MNC is looking for a plan to secure his family’s financial future in his absence. He decides to buy IndiaFirst Life Super Protection Plan with ROP Option with a Sum Assured of INR 1 Crore and coverage till age 85.

35-45 Years

Rohan pays annual premium of INR 76,814 (exclusive of taxes) for 10 years.

70 Years

On Rohan’s untimely demise at age 70, sum assured of INR 1 Crore will be paid to his nominee & policy terminates.

35 Years

35-45 Years

Rohan pays annual premium of INR 76,814 (exclusive of taxes) for 10 years

85 Years

Rohan survives throughout the Policy Term, at age 85 (end of PT), he will receive INR 7,96,000 (Total Premiums Paid) as Maturity Benefit under ROP Option.

Eligibility Criteria

Age

Maturity Age

Sum Assured

Policy Term

Premium Amount

Premium Paying Term

Coverage Option

Age

Question

Age

Sequence

Answer

Minimum Entry Age: 18 Years

Maximum Entry Age: 65 Years

Tags

Maturity Age

Question

Maturity Age

Sequence

Answer

Minimum: -

For Life Option: 23 years

For ROP Option: 28 years

Maximum: -

For Life Option: 99 years

For ROP Option: 85 years

Tags

Sum Assured

Question

Sum Assured

Sequence

Answer

Minimum:

For Life Option: Rs. 50,00,000

For ROP: Rs. 25,00,000

Maximum:

No limit, subject to Board Approved Underwriting Policy (BAUP).

Tags

Policy Term

Question

Policy Term

Sequence

Answer

Minimum: -

Coverage Option	Minimum Policy Term
	Single Premium	Limited Premium
Option 1: Life Option	5 years	10 years
Option 2: Life with Return of Premium Option	10 years	10 years

Maximum:-

Coverage Option	Maximum Policy Term
	Single Premium	Limited Premium
Option 1: Life Option	20 years	81 years
Option 2: Life with Return of Premium Option	20 years	67 years

Tags

Premium Amount

Question

Premium Amount

Sequence

Answer

Minimum:

Premium Frequency	Minimum Premium exclusive of Applicable Tax and Extra Premium, if any.
Yearly	5,700
Half Yearly	2,900
Quarterly	1,450
Monthly	450
Single	19,500

Maximum:

No limit, subject to Board Approved Underwriting Policy (BAUP).

Tags

Premium Paying Term

Question

Premium Paying Term

Sequence

Answer

For Single Premium: One-time payment

Premium Paying Term (PPT)	Minimum Policy Term	Maximum Policy Term
For Coverage Option 1:
5 years to 47 years	PPT + 5 years	81 years
For Coverage Option 2:
5 years	10 years	67 years
7 years	10 years	67 years
10 years	15 years	67 years
12 years	15 years	67 years
15 years	20 years	67 years
20 years	25 years	67 years
25 years	30 years	67 years
30 years	35 years	67 years
35 years	40 years	67 years

Tags

Coverage Option

Question

Coverage Option

Sequence

Answer

Premium Paying Term (PPT) – For Limited Premium

Option 1: Life Option

Minimum 5 years to maximum 47 years such that the maximum age at end of PPT is 70 years

Option 2: Return of Premium Option

5/7/10/12/15/20/25/30/35 years such that the maximum age at end of PPT is 70 years.

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)

IndiaFirst Life Super Protection Plan FAQs

View All FAQ

General

Policy Types

Premiums and Payments

Claim and Beneficiary

What is IndiaFirst Life Super Protection Plan?

Answer: IndiaFirst Life Super Protection Plan is a simple life insurance plan with Individual pure risk cover crafted to secure your family's financial well-being in case of unexpected events.

What is Sum Assured in this policy?

Answer: You get to decide the amount of coverage you want, but it should meet the minimum requirement. The maximum death sum assured that your loved ones would receive in case of unfortunate events is determined by the policy guidelines approved by the Board. Your premium is calculated based on the cover. Minimum Sum Assured under Life Option is INR 50 Lakhs & under ROP Option is INR 25 Lakhs.

What are the tax benefits in this policy?

Answer: 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 purchasing this policy.

Can I get a loan in this policy?

Answer

Policy Loan will be available for “Option 2: Life with Return of Premium Option” subject to the following term and conditions.

• The loan amount will be subject to 80% of the surrender value.

• The minimum loan amount should be Rs. 1,000.

• For 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.

• For other than in-force and fully paid-up policies, as and when the outstanding loan along with interest exceeds 90% of the surrender value for paid-up cases, company will send a notice to the policyholder to repay the loan partially or completely. If loan is not repaid within a stipulated period, the policy will be compulsorily surrendered and the outstanding loan along with interest will be recovered from the surrender proceeds or paid-up value.

• 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 at 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%).

• Any change in the methodology of calculating the loan interest rate shall be subject to prior approval from the authority.

Is there any rider available?

Answer

Riders attached with this product:

• IndiaFirst Life Accidental Death Benefit Rider (UIN: 143B019V01)

• IndiaFirst Life Total Permanent Disability Rider (UIN: 143B021V01)

The terms and conditions of the riders will be applicable as approved.

Is there any high sum assured rebate under this policy?

Answer

Yes, there is high sum assured rebate under this policy for all options

For Life Option:

Sum Assured band	Rebate on premium
75,00,000 – 99,99,999	2.0%
1,00,00,000 – 1,99,99,999	3.5%
2,00,00,000 and above	5.0%

For ROP Option:

Sum Assured band	Rebate on premium*
75,00,000 – 99,99,999	2.0%
1,00,00,000 – 1,99,99,999	3.5%
2,00,00,000 and above	5.0%

How can I increase my Sum Assured under this policy?

Answer

The option to increase the sum assured is only available with the Life Option. You can do it without going through a medical checkup. This is possible on certain events during the life of the person insured.
The total increase can't go beyond 100% of the initial Sum Assured.
The option to increase Sum Assured can be availed within a period of six months from the date of the specified events provided no claim has been made under the policy for Waiver of Premium. The increase in Sum Assured will be effective from the annual policy anniversary falling immediately after the date of notification and an additional premium will be charged for an increase in the Sum Assured based on the attained age of the policyholder at the option exercise date.
To use this option, you should have been underwritten at the standard rate when you started the policy, the policy should be active with premium payments at the time of exercising this option, and your age must be below 45.

This option doesn't apply to single premium policies premiums and payments:

Events	Maximum additional % of Base SA	Maximum Additional SA allowed
Marriage (only one instance during Policy Term)	50%	50 Lakh
Birth/ Legal adoption of 1st child	25%	25 Lakh
Birth/ Legal adoption of 2nd child	25%	25 Lakh
Home loan taken by Life Assured(only one instance during Policy Term)	50% or loan amount (whichever is lower)	50 Lakh

Does this policy offer the option to cover one’s spouse?

Answer: Yes, you can include your spouse in the same insurance policy by choosing the Joint Life Option. This choice is only available with the Life Option. The insurance coverage for both of you starts when the policy begins. If you choose this option, your spouse gets an additional cover of 50% of the main insured person's coverage, up to a maximum of ₹1 crore. If the secondary life assured(your spouse) passes away, the applicable benefit will be paid. If a payout happens for one of the insured persons, the policy will continue for the other until the benefits for both are used up or until the end of the policy term, whichever comes first.

How can I reduce my Sum Assured under this policy?

Answer

Yes, you can reduce your sun assured if:

If you boosted your coverage for a specific event before turning 45, you can later choose to reduce it. This choice is only available with the Life Option.
You can lower the coverage by the same amount you increased it for that specified event.
The reduction starts from the next annual policy anniversary after you tell us, and your premium goes down at the same time.
The premium reduction matches the extra cost you paid when you increased the coverage for that specific event, as explained in the option to Increase Sum Assured.
You can't choose to decrease the coverage during the last 5 policy years, and once it's decreased, you can't increase it again.
If you want to decrease the coverage, you need to send a written request at least two months before the annual policy anniversary.

What do you receive at the end of the policy term?

Answer: Maturity Benefit is only applicable in case Return of Premium Option is chosen. On survival of the life assured till the end of the policy term, Maturity Benefit i.e. 100% of Total Premiums Paid (TPP) shall be paid to the Policyholder. The policy terminates once the full amount of benefit is paid on occurrence of the event. No maturity benefit is applicable under any of the other plan options.

What happens in case you miss paying your premiums?

Answer

If you don't pay your premium within the grace period, your policy will lapse. This means your coverage stops, and you won't get any more benefits.

If the person insured passes away or a covered event occurs during the grace period, we'll still pay the benefit. However, we'll deduct any unpaid premiums until the date of death or the covered event. Your policy is considered active during this time.

For the Return of Premium Option, the policy lapses if the grace period passes from the first unpaid premium until one full policy year premium is paid. For all other options, if the grace period passes from the first unpaid premium, and you haven't paid, the policy will lapse, and no benefits will be paid.

The Return of Premium Option can have a paid-up value if the grace period passes from the first unpaid premium, at least two consecutive years of premiums have been paid, and subsequent premiums are not paid.

Under the Return of Premium Option:

The paid-up death benefit is calculated based on the Sum Assured * (Total numbers of premiums paid)/ (Total Number of premiums payable over the policy term

The paid-up maturity benefit is a return of 100% of the total premium paid.

There are rebates on premium rates based on the Sum Assured bands, and the options to revive a lapsed policy are available within five years from the due date of the first unpaid premium. The revival process involves paying overdue premiums with interest, a declaration of good health, and possibly a medical examination at your expense.

If the term policy is revived, all benefits will be restored as if it were an active policy. However, the revival process is subject to satisfactory medical and financial requirements set by the company, and any associated costs, if applicable, will be your responsibility.

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

Answer: Collection of renewal premium in advance shall be allowed within the same financial year for the premium due in that financial year. Provided, 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. No discount will be offered if premium is paid within one month prior to premium due date.

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. For Limited Premium policies, you are provided a Grace Period of 15 days under monthly mode and one month but not less than 30 days for other premium payment modes, in case you miss your due premium on the due dates. All your policy benefits continue during this grace period and the policy will be considered to be in-force.

Can you return your policy? (free look period)

Answer

Certainly! If you're not happy with your policy and want to return it, you can do so within the Free Look period. This period is 30 days from the date you receive the policy.

Will you get a refund when you return your policy? Yes, you will receive a refund that includes:

The premium you paid

Minus a proportionate risk premium for the time the policy was active

Minus any stamp duty paid

Minus any expenses incurred on a medical examination, if applicable

What are the conditions in which the benefits of this policy will not be paid?

Answer

Suicide Exclusion:

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.

What are the payout options available under this policy?

Answer

Lumpsum Option

The benefit on death or diagnosis of terminal illness, whichever is earlier, is payable as lumpsum and the policy terminates.

Lumpsum and Level Income Option

On death or diagnosis of terminal illness, whichever is earlier, the policyholder can choose 10% to 50%, in multiple of 10%, of the applicable death benefit to be paid immediately as lumpsum and the balance amount to be paid in arrears as equal monthly instalments over a period of 5 years. The lumpsum percentage has to be chosen at the inception of the policy. In case of instalment payment of death benefit, the monthly instalment benefit amount will be calculated as dividing lump sum amount (say, S) by annuity factor (i.e. a(n)(12)) i.e. S/a(n)(12), where 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 down 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%).

Any change in the methodology for calculating the instalment benefit amount shall be subject to prior approval from the Authority. Once the instalment payment starts, this payment remains level throughout the instalment period.

What is the Waiver of Premium Benefit offered under this policy?

Answer

This is an optional benefit, available only with Life Option provided the policy has been underwritten on standard terms. This option has to be selected by the policyholder at the inception of the policy. All future premiums shall be waived if the Life Assured is diagnosed with any of the listed 40 Critical Illnesses or total permanent disability due to accident. An additional premium will be charged for this benefit. If Joint Life Option is chosen along with this option, then WOP is applicable only on the primary life assured.

In case of critical illness, a waiting period of 180 days will be applicable.

The critical illnesses covered under this plan -

Critical Illness

1 Cancer of specified severity

2 Open Chest CABG

3 Kidney Failure requiring regular dialysis

4 Permanent paralyses of limbs

5 Primary (Idiopathic) Pulmonary Hypertension

6 Myocardial Infarction (First Heart Attack of Specific Severity)

7 Stroke Resulting in Permanent Symptoms

8 Major organ / bone marrow transplant

9 Multiple Sclerosis with persisting symptoms

10 Surgery to Aorta

11 Apallic Syndrome

12 Benign Brain Tumour

13 Coma of specified severity

14 End Stage Liver Failure

15 End Stage Lung Failure

16 Open Heart Replacement or Repair of Heart Valves

17 Loss of Limbs

18 Blindness

19 Third degree Burns

20 Major Head Trauma

21 Loss of Independent Existence

22 Cardiomyopathy

23 Brain Surgery

24 Alzheimer’s Disease

25 Motor Neurone Disease with permanent symptoms

26 Muscular Dystrophy

27 Parkinson’s Disease

28 Deafness

29 Loss of Speech

30 Medullary Cystic Disease

31 Systemic Lupus Erythematosus

32 Aplastic Anemia

33 Poliomyelitis

34 Bacterial Meningitis

35 Encephalitis

36 Progressive Supra nuclear Palsy

37 Severe Rheumatoid Arthritis

38 Creutzfeldt – Jakob Disease

39 Fulminant Viral Hepatitis

40 Pneumonectomy

The premium rates for this option are guaranteed for five years only from the date of commencement of the policy. The company reserves the right to carry out a general review of the experience from time to time and change the premium as a result of such review on approval of the IRDAI. The company will give notice in writing about the change and the insured person will have the option not to pay an increased premium.

Explore IndiaFirst Life Insurance Plans Tailored for You!

IndiaFirst Life Plan

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Product Name
Dropdown Field: Tax Saving
Product Description: 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.
Product Benefits: Flexibility to choose the duration

Family will receive the payout

Flexibility to choose the assured amount
Porduct Detail Page URL: Get Quote
Product Buy Now URL and CTA Text: Learn More

Why Choose IndiaFirst Life Insurance Plans?

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1.64 Crore

Lives secured since inception

Available in 16,500+

BOB & UBI Branches

30,968 Crore

AUM as of Mar’25

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Disclaimer

*For a Male Non-Smoker Standard Life, aged 20 years for policy term of 35 years and a premium payment term of 30 years, premium exclusive of applicable taxes (Only for Life Option of IndiaFirst Life Guaranteed Protection Plus Plan)

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IndiaFirst Life Super Protection Plan

IRDAI Redg. No. 143 CIN U66010MH2008PLC183679 | UIN 143N075V01

Key Features of IndiaFirst Life Super Protection Plan

Life cover

2 Coverage options

Waiver of Premium Option

Flexible payout options

Long Term Life Coverage

Return of premium

Boost Sum Assured Easily

Joint life option

Inbuilt Terminal Illness Benefit

Additional protection with Riders

How to buy IndiaFirst Life Super Protection Plan

Enter your Details

Choose Life Cover & Option for you

Review your quote

Payment Options

Visualize your Plan

Life Option

Life with Return of Premium - Death Benefit

Life with Return of Premium – Maturity Benefit

35 Years

35-45 Years

70 Years

35 Years

35-45 Years

70 Years

35 Years

35-45 Years

85 Years

Eligibility Criteria

Age

Maturity Age

Sum Assured

Policy Term

Premium Amount

Premium Paying Term

Coverage Option

Age

Maturity Age

Sum Assured

Policy Term

Premium Amount

Premium Paying Term

Coverage Option

IndiaFirst Life Super Protection Plan FAQs

General

Policy Types

Premiums and Payments

Claim and Beneficiary

What is IndiaFirst Life Super Protection Plan?

What is Sum Assured in this policy?

What are the tax benefits in this policy?

Can I get a loan in this policy?

Is there any rider available?

Is there any high sum assured rebate under this policy?

How can I increase my Sum Assured under this policy?

Does this policy offer the option to cover one’s spouse?

How can I reduce my Sum Assured under this policy?

What do you receive at the end of the policy term?

What happens in case you miss paying your premiums?

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

Is there a grace period for missed premiums?

Can you return your policy? (free look period)

What are the conditions in which the benefits of this policy will not be paid?

What are the payout options available under this policy?

What is the Waiver of Premium Benefit offered under this policy?

Explore IndiaFirst Life Insurance Plans Tailored for You!

IndiaFirst Life Plan

IndiaFirst Life Plan

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Available in 16,500+

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