Enjoy 0% GST on your policy premium. Get ₹1 Cr. Life Cover at just ₹22.5/day* + 10%^ Online Discount with IndiaFirst Life ELITE Term Plan (UIN 143N070V01). *^T&C Apply.
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Elite Term Plan
Lifetime protection till age 99 years
High cover at affordable cost
Convenient premium payment options
Sum Assured as lumpsum or monthly instalments
Super Protection Plan
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
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Life Plan
Flexibility to choose the duration
Family will receive the payout
Flexibility to choose the assured amount
Long term protection
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Protect Shield Plan
Instant Issuance
Flat rate cover
No medicals
Tax benefits as per prevailing tax laws
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Saral Jeevan Bima Plan
Life Insurance Cover of up to ₹50 lakhs.
Flexible premium payment options
Up to 40 years of protection for loved ones.
Protection against COVID-19 with lump sum benefit.
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Term Rider Plan
Additional Life Cover for up to 5-30 years
Guaranteed Lumpsum Death Benefit
Enjoy Tax Benefits on Premiums You Invest.
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Elite Term Plan
Benefits at Maturity & Life cover
High cover at affordable cost
Convenient premium payment options
Sum Assured as lumpsum or monthly instalments
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Super Protection Plan
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
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Life Plan
Flexibility to choose the duration
Family will receive the payout
Flexibility to choose the assured amount
Long term protection
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Protect Shield Plan
Flexibility to choose the duration
Family will receive the payout
Flexibility to choose the assured amount
Long term protection
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Saral Jeevan Bima Plan
Life Insurance Cover of up to ₹50 lakhs.
Flexible premium payment options
Up to 40 years of protection for loved ones.
Protection against COVID-19 with lump sum benefit.
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Radiance Smart Invest Plan
Zero Fund allocation charges
10 different funds to choose from
3 plan options to achieve your investment goals
100% money invested for higher returns
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Money Balance Plan
Optimised Investment Strategy
Flexible-Premium Payment
Partial Withdrawal Flexibility
Convenient Fund Accessibility
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TULIP Plus Plan
Up to 100x life insurance cover
Up to 750%* return of Premium Allocation charges
Riders designed to cover additional risks
Reduced premium allocation charge for higher premiums
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TULIP Pro Plan
Up to 20X Life Cover for Your Loved Ones
Additional Coverage through TERM Rider
Multiple Investment Strategies and up to 10 Diversified Funds
Up to 600% of Premium Allocation Charges returned at Maturity
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Wealth Maximizer Plan
Market Linked Returns
Free switches for maximum gain
Long-term loyalty benefits
Add top-up premiums
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Assured Income For Milestones Plan
Guaranteed long-term income plan
Ideal for milestone-based financial planning
Three customizable benefit options
Immediate or deferred income variants
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Guarantee Of Life Dreams Plan
Choice of 3 income Options
UpTo 5% Extra Income on Online Purchase
Enhanced Income Benefit for Women
Option to Choose the date to receive a regular income.
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Guaranteed Single Premium Plan
One-time payment (Single Pay)
Tax saving benefits*
Life Cover that is 1.25 times higher
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Mahajeevan Plus Plan
Life cover of up to 15 or 20 years
Periodic Cash backs
Uninterrupted Life Cover
Money Back Discounts with Early Premium Payments
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Smart Retirement Plan
Market-linked returns, with 3 new funds!
2 plan options to secure your retirement
ZERO allocation or administration charges.
Guaranteed Additions* of up to 5% in Year 1
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Guaranteed Pension Plan
Income for Life
5 Annuity Choices
Joint Life Security
Escalating Annuity option
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Guaranteed Annuity Plan
Retirement Planning
12 Annuity Options
Exclusive benefits for NPS subscribers
Continuity with Joint Life Option
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Guaranteed Retirement Plan
Assured Returns
Beat Inflation
Choose How to Save
Save Longer for up to 40 years
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Assured Income For Milestones Plan
Guaranteed long-term income plan
Ideal for milestone-based financial planning
Three customizable benefit options
Immediate or deferred income variants
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Guarantee Of Life Dreams Plan
Choice of 3 income Options
UpTo 5% Extra Income on Online Purchase
Enhanced Income Benefit for Women
Option to Choose the date to receive a regular income.
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Guaranteed Single Premium Plan
One-time payment (Single Pay)
Tax saving benefits*
Life Cover that is 1.25 times higher
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Life Long Guaranteed Income Plan
Short-Term Payments, Long-Term Gains
Guaranteed Income to fulfill Financial Goals
Lifetime Income Till 99 years of age
Premium Payback Assurance
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Term Rider Plan
Additional Life Cover for up to 5-30 years
Guaranteed Lumpsum Death Benefit
Enjoy Tax Benefits on Premiums You Invest.
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Waiver of Premium Rider
3 Coverage Options
Guaranteed Financial Protection For Your Loved Ones
Policy Remains Effective in Your Absence (WOP)
10 Critical Illness Cover
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ADB Rider
Up to 2 Cr. Additional cover over existing policy
Protect your loved ones at affordable price.
Tax Advantages
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TPD Rider
Up to 1 Cr. Additional cover
Protect your loved ones at affordable price.
Tax Advantages
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Group Living Benefits Plan
Comprehensive Group Health Insurance
Affordable Heatlh Coverage for Corporate
COVID-19 Protection for Group Life Insurance
Fixed Benefit Assurance
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Group Term Plan
Affordable Group Term Insurance
Voluntary or Automatic Enrollment
Enhanced Coverage with EDLI
Flexible Premium Payment
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New Corporate Benefit Plan
A separate plan for each scheme
Minimum guaranteed return of 0.5% p.a.
Yearly Bonus as per company’s performance
Earn easy returns
Little Champ Plan
Financial Protection
Customisable Policy
Guaranteed Payouts
Flexible Coverage Options
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Estimate how much you need to save for a comfortable and stress-free retirement.
Cost of Delay Calculator
See how delaying investments can impact your long-term wealth creation.
Human Life Value Calculator
Calculate your Human Life Value and understand the insurance cover your family needs.
Paid-Up Calculator
Check the paid-up value of your policy and make informed financial decisions.
Annuity Calculator
Estimate your regular income after retirement using our Annuity Calculator.
ULIP Calculator
Estimate potential returns on your ULIP investments over the policy term.
Compound Interest Calculator
Understand how your money grows over time with the power of compounding.
Future Wealth Creation Calculator
Plan your investments effectively to achieve your long-term wealth goals.
SIP Calculator
Calculate returns on your monthly SIP investments in just a few clicks.
SSY Calculator
Use our simple SSY calculator and figure out how much you can save for your daughter’s future.
RD Calculator
Calculate the maturity amount of your recurring deposit investments easily.
NPS Calculator
Estimate your retirement corpus and pension through National Pension Scheme investments.
Income Tax Calculator
Calculate your tax liability and plan your taxes efficiently.
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Estimate your personal loan EMIs before applying for a loan.
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Calculate the gratuity amount you may receive based on your tenure and salary.
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BMI Calculator
Check your Body Mass Index and understand your health better.
Nominee Central
Your one-stop hub to help your loved ones easily access, understand, and manage everything related to life insurance nomination and claims.
Life Insurance Ki Kitaab
Your simple, go-to guide for understanding life insurance basics.
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Enjoy 0% GST on your policy premium. Get ₹1 Cr. Life Cover at just ₹22.5/day* + 10%^ Online Discount with IndiaFirst Life ELITE Term Plan (UIN 143N070V01). *^T&C Apply.
Know More
Tired of complicated insurance? We’ve made it effortless - Introducing IndiaFirst Life app-like tool Calculate, plan, and protect—all from your device. Your future is just a tap away.
Install now!
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Minimum - 5 years
Maximum - 65 years
Minimum - 18 years
Maximum - 75 years
No limit subject to underwriting
| Regular and Limited Premium | Single Premium |
|---|---|
For Age 5 to 49 years - 7* Annualized Premium For Age 50 and above – 5* Annualized Premium | For Age 5 to 49 years -1.25 times of single premium For Age 50 and above – 1.10 times of single premium |
| Age Band | For Regular Premium Policies | For Limited(5 Yrs) Premium Policies | For Limited(7 Yrs) Premium Policies | For Single Premium Policies(5 Term) | For Single Premium Policies(Other than 5 Term) |
|---|---|---|---|---|---|
| 0-25 | 40 | 25 | 25 | 10 | 5 |
| 26-30 | 40 | 20 | 25 | 10 | 5 |
| 31-35 | 40 | 15 | 20 | 10 | 4 |
| 36-39 | 35 | 10 | 15 | 10 | 2 |
| 40-45 | 30 | 7 | 10 | 2 | 2 |
| 46-65 | 7 | 7 | 7 | 1.25 | 1.25 |
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)
It is ideal for you to not let your policy lapse or be discontinued. Ensure timely premium payments and clear understanding of the policy to keep your policy active throughout its duration. Getting estimates from a ULIP calculator before buying the policy can help you alter the details as you deem necessary. Although not recommended, it is also possible to surrender your policy after the lock-in period, which will earn you the surrender value.
IndiaFirst Life Money Balance Plan is a unit linked individual savings life insurance policy that helps you save for the future, while limiting your exposure to market fluctuations. The policy is designed to offers market linked returns along with the security of a life cover.
You can move from one fund to another by switching your premium.
Under switching you may transfer some or all your units from one unit linked fund to another.
| Minimum switching amount | Maximum switching amount |
|---|---|
| ₹ 5,000 | Fund Value |
You are allowed to make only two switches in a calendar month. Switches are free of charge. However, the unused free switches cannot be carried forward to the next calendar month.
We will value your units in line with the unit linked guidelines issued by the IRDAI. As per the prevailing guidelines of the Authority, Unit Price will be calculated as follows –
Market value of the investment held by the fund
Plus: value of current assets
Less: value of current liabilities and provisions, if any,
Divided: by the number of units existing on the valuation date (before creation/redemption of units).
When divided by the total number of units in the fund at the valuation date (before any units are redeemed), we get the unit price of the fund under consideration.
We provide you a grace period of 30 days for payment of all premiums under half yearly and yearly modes and 15 days under monthly mode. This period starts from the due date of each premium payment. All your plan benefits continue during this grace period.
| Regular Premium | Limited Premium | Single Premium |
|---|---|---|
| Monthly, Half yearly, Yearly | Monthly, Half yearly, Yearly | Onetime payment only |
| Minimum Premium | Monthly | Half yearly | Yearly |
|---|---|---|---|
| Regular Premium | Rs 1,000 | Rs. 6,000 | Rs. 12,000 |
| Limited Premium | Rs 1,250 | Rs. 7,500 | Rs. 15,000 |
| Single Premium | - | - | Rs. 45,000 |
| Maximum Premium | No limit subject to underwriting | No limit subject to underwriting | No limit subject to underwriting |
This policy may include the ‘Life Assured’, the ‘Policyholder’, the ‘Nominee(s)’ and the ‘Appointee’.
Life Assured is the person, on whose life the policy depends. On the life assured’s death, the benefit is paid out to the Nominee(s) / Appointee / Legal Heir and the policy terminates. Any Indian citizen can be the life assured, as long as -
| Minimum age at the time of applying | Minimum age at the time of maturity | Maximum age at the time of applying | Maximum age at the time of maturity |
|---|---|---|---|
| 5 years as on last birthday | 18 years as on last birthday | 65 years as on last birthday | 75 years as on last birthday |
Life cover for the minor life starts at the end of two years from the date of commencement of the policy or at the first monthly policy anniversary after attainment of age 18 years whichever is earlier. In case the Life Assured is a minor, the policy will vest on the Life Assured on attainment of age 18 years. If the Life Assured is a minor then, on death of Policyholder, the Policy immediately and automatically vest in the surviving parent of the Insured.
Policyholder is a person who holds the policy. The policyholder may or may not be the life assured. To be a policyholder, you must be at least 18 years as on your last birthday at the time of applying for the policy.
Nominee(s) is the beneficiary under the policy who receives the death benefit in case of the life assured’s demise. The nominee(s) is appointed by you, the policyholder. The nominee(s) can even be a minor (i.e. below 18 years of age).
Appointee is the person whom you may appoint at the time of buying the policy in case your nominee is a minor. The appointee takes care of the policy in your absence.
You receive the fund value at the end of the policy term.
On maturity you may choose to -
During the Settlement period, applicable fund management charges and mortality charges will be applicable. The policyholder can withdraw the balance fund value at any time during the settlement period.
Your settlement period starts from the maturity date and is applicable up to a period of 5 years. First instalment under settlement option shall be payable on the date of maturity. However, you have to opt for the Settlement Option at least 3 months prior to the date of maturity.
Yes, in case of the life assured’s untimely demise during the settlement period, we will pay higher of the fund value as on the date of intimation of death or 105% of the total premiums paid to the Nominee(s) / Appointee / Legal Heir and the policy shall terminate.
However, on complete withdrawal during settlement period life cover ceases immediately.
The investment risks will be borne by the policyholder during the settlement period.
No, switches/ partial withdrawals are not allowed during the settlement period.
In the untimely event of the life assured’s demise while the policy is in force or from the due date of first unpaid premium till the expiry of the grace period, the Nominee(s)/Appointee/Legal Heir, as the case may be, will receive the benefit under the policy equal to higher of fund value as on date of death or sum assured, either
The amount will be paid out to the appointee, if the nominee(s) is a minor. However, at any point of time, the death benefit will not be less than 105% of the total premiums paid during the policy term.
In the untimely event of death of the minor life assured before the commencement of risk, the death benefit will be equal to the fund value.
In case of paid-up policies, on death of the life assured, a lump sum amount equal to higher of the paid-up sum assured or fund value will be payable to the Nominee(s)/ Appointee/Legal Heir, as per the payout option selected by the policyholder at the inception of the policy.
The Sum Assured / paid up sum assured will be reduced by the amount equal to the partial withdrawals, if any made during the 24 months immediately preceding the date of death of the life assured.
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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.
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