IRDA Approved Plans

Life & Term Insurance Plans

25+ years of experience securing your family's financial future with high-cover term life policies and dedicated child education plans — with zero fine print surprises.

Why Life Insurance

Why Your Family Needs Life Insurance

Pure Financial Protection

Provides your family a tax-free lump sum in case of your untimely demise.

Income Replacement

Replace 10–15× your annual income so dependents maintain their lifestyle.

Child's Future Secured

Dedicated child plans fund education and marriage goals even in your absence.

Tax Benefits

Premium paid is deductible under Section 80C up to ₹1.5 lakh per year.

Coverage at Low Premium

₹1 crore term cover for a 30-year-old for as low as ₹700–900/month.

Retirement Planning

Pension and ULIP plans help build a retirement corpus alongside life cover.

Coverage Options

Life Insurance Plans for Every Stage

Recommended

Term Insurance

From

₹700/mo*

Pure death benefit for a specific term at the lowest premium. Best value for young earners with dependents.

✓ Term up to 40 years
✓ Whole-life option available
✓ Accidental death rider

Get Detailed Plan Quote→

Child Plans

From

₹2,000/mo*

Savings + life cover combination that funds your child's education and marriage goals.

✓ Premium waiver on parent death
✓ Maturity benefit at goal age
✓ Guaranteed milestone payouts
✓ Tax-free returns

Get Detailed Plan Quote→

Retirement Planning

From

₹3,000/mo*

Pension and annuity plans to build a regular income stream for a stress-free retirement.

✓ Regular monthly pension
✓ Life cover during accumulation
✓ 80C + 10(10D) tax benefits
✓ Joint life option

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*Terms & Conditions on Premiums: Indicative starting premiums only. Actual term life premium payable depends on age, tobacco usage, medical history, sum assured, policy term, rider add-ons, taxes, and chosen insurer policy terms. Subject to insurer underwriting guidelines.

How Much Life Cover Do You Need?

Use our free life cover calculator to get a personalized recommendation based on your income, debts, and family needs.

Use Life Cover Calculator

Life Insurance FAQs

What is life insurance and how does it work?

Life insurance is a legal contract between you and an insurance provider where, in exchange for regular premium payments, the insurer guarantees to pay a tax-free lump sum (death benefit) to your family (nominees) if you pass away. It is designed to replace your income and cover outstanding liabilities (like home loans).

What are the 4 types of life insurance?

The four most common types of life insurance are: 1. Term Insurance (pure financial protection with low premiums), 2. Unit Linked Insurance Plans (ULIPs - combining life cover with stock market investment), 3. Endowment Plans (guaranteed savings with life cover), and 4. Whole Life Insurance (lifelong cover up to age 99/100).

What are the 3 P's of life insurance?

The 3 P's of life insurance stand for: Protection (the basic financial shield for your dependents), Premium (the amount you pay to keep the policy active), and Payout (the sum assured paid to your nominees). Balancing these three elements ensures you choose a sustainable plan.

Lic or term insurance: which is better?

LIC is an insurance brand (a state-owned corporation that offers term insurance, endowment, and money-back plans), whereas Term Insurance is a policy category (pure life cover). If your goal is protecting your family with a high cover at the lowest cost, buying a Term Insurance plan (whether from LIC or private insurers) is far better than choosing traditional endowment plans.

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Our Pune advisor will help you find the best life cover for your family.