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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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Minimum Entry Age
Maximum Entry Age
*PPT - Premium Payment Term
Minimum Maturity Age
Maximum Maturity Age
| Premium Payment Term | Policy Term |
|---|---|
| 5 years | 10 to 65 years |
| 10 years | 15 to 85 years |
| 15 years | 20 to 85 years |
| 20 years | 25 to 85 years |
| Regular | 10 to 85 years |
| Single | 5 to 30 years |
Subject to Board Approved underwriting policy
How people have benefitted from IndiaFirst Life
From the onboarding process to the comprehensive medical tests, IndiaFirst Life ensured a hassle-free journey for me. The features of the plan I purchased are as per my expectations, providing me with peace of mind for future.
Mohit Agarwal
(Mumbai, 21st March 2024)
How people have benefitted from IndiaFirst Life
Buying IndiaFirst Life's life-insurance policy was a pleasant experience for me. The hassle-free nature of interaction with the company's representative was a boon and so was the inclusion of must-have features in their policy plans.
Satyam Nagwekar
(Mumbai, 22nd March 2024)
How people have benefitted from IndiaFirst Life
IndiaFirst Life's Radiant Smart Invest Plan has completely won me over! It's like having a trusted ally in my financial journey. With its flexible fund switch options, I've been able to craft my investments just as I envisioned. In just a year, I've seen a remarkable 20% return on my investments! The support from the onboarding team has been absolutely fantastic, making me feel truly cared for and supported.
Paulomi Banerjee
(Kolkata, 21st March 2024)
Premium allocation charge is recovered from the premium you pay us. It is deducted up front from the premium before any other charge deduction or allocation. In case of other charges we will recover the same by cancellation of units at the prevailing unit price.
The cancellation of units will be effected in the same proportion as the value of units held in the fund.
Yes, we will deduct the applicable taxes in accordance with the applicable provisions of Income tax Act, 1961 on all the applicable charges levied by us under this Policy. The taxes deducted by us is in addition to the charges under the policy. The tax rates are subject to change basis any change in the directives issued by the Government.
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 assets, Plus: value of current assets, Less: value of current liabilities and provisions, if any, Divided: by the number of units exi s ting 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 quarterly, 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
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.
You can move from one fund to another by switching your funds. This is not allowed in case the life assured is less than 18 years old.
Under switching you may transfer some or all your units from one unit linked fund to another.
| Minimum switching amount | Maximum switching amount |
|---|---|
| INR 5,000 | Fund Value |
You are allowed to make unlimited number of switches in a calendar month. These switches are free of charge.
Our IndiaFirst Life Wealth Maximizer Plan is a unit linked, non-participating savings plan, specially designed for high net worth individuals like you, who want to maximize returns on their savings and create additional wealth for a comfortable life ahead.
This is an option in the policy which allows you to park an amount over and above your regular/ limited or single premiums in the policy. This facility increases your amount of savings in the policy. You can avail this option any time before the last five policy years during your policy term given that all your due premiums have been paid. Every payment of top-up premium will increase top-up sum assured.
| Minimum Top-up amount | Maximum Top-up amount |
|---|---|
| Rs. 10,000 | Total Regular/Limited/Single Premiums paid at the time of top-up payment |
| Minimum Premium | Monthly | Quarterly | Half Yearly | Yearly |
|---|---|---|---|---|
| Regular Premium/ Limited Premium (INR) | 20,833 | 62,500 | 1,25,000 | 2,50,000 |
| Single Premium (INR) | 5,00,000 | |||
| Maximum Premium | Monthly | Quarterly | Half Yearly | Yearly |
|---|---|---|---|---|
| Regular Premium/Limited Premium/ Single Premium | No limit subject to board approved underwriting policy | |||
You can pay your premium(s) through single, limited and regular premiums.
| Single Premium | Limited Premium | Regular Premium |
|---|---|---|
| Onetime payment only | Yearly, Half-Yearly, Quarterly, Monthly | Yearly, Half-Yearly, Quarterly, Monthly |
The calculation of the sum assured depends on the type of the policy you hold.
Minimum Sum Assured
| Regular and Limited Premium | Single Premium |
|---|---|
| 7* Annualized Premium | 125% of single premium |
Maximum Sum Assured
The maximum sum assured is set at ‘X’ times the annualized/ single premium for regular premium, limited premium and single premium plans. Here ‘X’ will be taken from the table below –
| Age band/ PPT | For Regular Premium Policie | For Limited Premium Policies (5 yrs-PPT | For Limited Premium Policies (10/15/2 0 yrs-PPT |
|---|---|---|---|
| 5 -25 | 30 | 20 | 30 |
| 26-30 | 30 | 20 | 30 |
| 31-35 | 25 | 15 | 25 |
| 36-39 | 25 | 15 | 20 |
| 40-65 | 10 | 10 | 10 |
| Age band | For policy term 5 | For other policy terms |
|---|---|---|
| 5 -25 | 10 | 10 |
| 26-30 | 10 | 7 |
| 31-35 | 10 | 5 |
| 36-39 | 10 | 4 |
| 40-44 | 1.25 | 1.25 |
| 45 - 65 | 1.25 | 1.25 |
In case of top-up premium
| Top-up Premium |
|---|
| 125% of premium |
On maturity you may choose to Receive the entire fund value as a lump sum payment Receive your maturity payout in monthly instalments upto a period of 5 years as per your choice, by opting for the ‘Settlement Option’. During the Settlement period, applicable fund management charges & mortality charges will be applicable. The policyholder can ask to withdraw the balance/complete fund value at any time during the settlement period.
You may choose to receive this payment in equal units at regular intervals (i.e. monthly/quarterly/ half-yearly/yearly as chosen by the policyholder) over a period of time specified by you. This period is called the Settlement Period. During this period, only the fund management and mortality charges will be applicable. You can ask for the balance fund value at any time during the settlement period.
You, the policyholder will receive Fund Value, inclusive of Top-up fund value, if any, at the end of the policy term.
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 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 case of paid-up policies, on death of the life assured, an amount equal to the higher of the paid-up sum assured or fund value will be payable to the Nominee/ Appointee/ Legal Heir, as per the payout option selected by the policyholder at the inception of the policy.
In case of the life assured’s demise, where the Life Assured is a minor and the commencement of life cover is yet to begin, the death benefit will be equal to the Fund Value.
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The IndiaFirst Money Balance Plan is a unit-linked life insurance endowment policy that combines the advantages of wealth creation and life cover.
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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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