Your Trusted Guide to Term Insurance in India
Expert-backed, jargon-free guides to help you understand, compare, and choose the right term insurance plan for your family.
Why Term Insurance Is the Best Life Insurance Policy for Indians
Aman was 32, earning well, with a wife and daughter. Then one day, accident. His endowment policy covered just 7 lakhs. A term plan would have given his family 1 crore. Read his story.
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5 Claim Rejection Scenarios You Never Thought Could Apply to You
Even genuine claims may be rejected due to non-recognised hospitals, disease misclassification, lapsed policies, or undisclosed medical histories
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Term vs Whole Life Insurance: Renting Safety or Owning It Forever?
Term and whole life plans are built for very different journeys. Use this guide to decide what is right for you.
Read the Guide ›Comprehensive guides to term insurance
From the basics to claims, buying guides to comparisons, our expert-backed articles make it simple, clear, and actionable.
Basics
The Basics
Learn the ABCs of term insurance: what it is, why it matters, and how it works.
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Claims
Claims Centre
Step-by-step guidance on how your family can easily file and receive claim payouts.
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Buying Guide
How to Buy
Everything you need to know before buying: right cover amount, duration, and add-ons.
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Comparison
Compare Products
Clear comparisons of plans, benefits, and costs so you can confidently pick the best.
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Maintenance
Maintain Your Policy
Simple tips to keep your policy active and problem-free throughout its lifetime.
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Find a Plan
Find Your Plan
Guides tailored to your age, income, and life stage — from 25 to 60+.
Read the Guide » Explore CategoryTools & Calculators
Free interactive tools to help you estimate premiums, coverage needs, and protection gaps.
Premium Calculator
Estimate your monthly or yearly premium based on your age, coverage amount, and policy term.
Calculate NowCoverage Calculator
Find out how much life cover your family needs based on your income, loans, and expenses.
Calculate NowFamily Protection
Assess your family’s total financial gap and protection needs if the unexpected were to happen.
Calculate NowInsurance Quiz
Take a quick assessment to understand your insurance readiness and what type of cover suits you.
Calculate NowFind the right plan for your life stage
From starting your career to securing your family's future, our expert-led guides help you choose confidently by age and goal.
Age Under 40
Start early, pay less
Lock in the lowest premiums while you're young and healthy.
→Age 40+
Peak earning, peak protection
Balance home loans, children's education, and retirement.
→For Seniors
60+ still have options
Term plans available even after 60 — know your options.
→For NRIs
Cross-border coverage
Buying, eligibility, and keeping loved ones secure from abroad.
→For HNIs
₹50L+ cover strategies
High-value cover with underwriting nuances for top earners.
→High Risk Buyers
Smokers & pre-existing
How health conditions and lifestyle affect your premiums and options.
→News & Updates
Stay informed about the latest regulatory changes, tax updates, and industry trends affecting your term insurance.
Budget 2025: Key Changes in Term Insurance Taxation
GST on life and health insurance premiums reduced to 0%. ULIPs with premiums exceeding ₹2.5 lakh now subject to capital gains tax.
Read More › RegulatoryThe Regulatory Future of Term Insurance: What IRDAI Hints At
IRDAI is introducing reforms for enhanced accessibility, transparency, and consumer protection in the term insurance landscape.
Read More › ConsumerWhat IRDAI Push for Simpler Products Means for Buyers
New regulations aim to simplify insurance products, making it easier for buyers to understand and compare term plans across providers.
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