Secure Your
Family's Future

Get ₹1 Crore term cover from just ₹700/month. We compare 15+ insurers to find the right combination of premium, claim settlement ratio, and features for your family.

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✓ IRDAI Registered · ✓ ₹700/mo for ₹1Cr cover · ✓ 99% Claim Settlement · ✓ Online Plans 30% Cheaper

Term Insurance Quote

₹1 Crore Cover
from ₹700/month

30-year term · Healthy 30 y/o non-smoker

99%

Claim Settled

85 Yr

Max Cover Age

Online Save 30%

80C Tax Benefit

₹700/mo

For ₹1 Cr Cover

99%

Claim Settled

85 Years

Cover Till Age

15+

Insurers Compared

Plan Categories

4 Types of Life Insurance

Each type serves a different goal. We help you pick the right combination — most families need 2 types working together.

Most Recommended

PURE PROTECTION

Term Insurance

From ₹700/month · ₹1 Cr cover · 30-yr term

Highest cover, lowest premium
Family gets full sum if you pass away
No maturity benefit (if you survive)
Add critical illness, accident rider
80C deduction + tax-free claim
Best for breadwinners 25-50

Get Term Quote

INSURANCE + INVESTMENT

ULIP

From ₹2,500/month · Mixed equity + insurance

Part premium → insurance, part → MF
Switch between equity/debt funds
5-year lock-in
Maturity benefit + life cover
80C deduction

Compare ULIPs

SAVINGS

Endowment

From ₹3,000/month · Guaranteed returns

Guaranteed maturity + bonus
Low risk, low return (~5-6%)
Forced savings discipline
Insurance cover till maturity
80C + tax-free maturity

Check Endowment

RETIREMENT

Pension Plan

From ₹5,000/month · Monthly income post-60

Build retirement corpus
Lifetime monthly pension
Spouse pension option
Tax benefit under 80CCC
Start as early as 25

Plan Retirement

How Much Cover?

Rule of Thumb: 15-20× Your Annual Income

If your family depends on your income, here's what cover you actually need:

Your Annual Income	Minimum Cover	Recommended Cover	Approx Premium (30 yr old)
₹5 Lakh	₹75 Lakh	₹1 Crore	~₹700/month
₹10 Lakh	₹1.5 Cr	₹2 Crore	~₹1,300/month
₹15 Lakh	₹2.25 Cr	₹3 Crore	~₹1,900/month
₹25 Lakh	₹3.75 Cr	₹5 Crore	~₹3,000/month
₹50 Lakh+	₹7.5 Cr	₹10 Crore	~₹6,000/month

Premium estimates are for healthy non-smoker, 30 years old, 30-year term. Smokers pay 30-50% more.

Who Needs It

Do You Need Life Insurance?

If anyone in your life depends on your income — you do. Here are the most common situations.

Have Dependents

Spouse, kids, parents who depend on your income — life insurance ensures they're financially safe if something happens to you.

Have a Home Loan

Loan amount usually = ideal term cover. Family won't lose the home, even if you can't repay due to disability or death.

Sole Breadwinner

If your income stops, family lifestyle stops. Life insurance replaces 10-15 years of your income for your family.

Have Young Kids

Education costs of ₹25-50L per kid. Term insurance secures their college dreams even if you're not around.

Self-Employed

No PF, no gratuity, no employer-paid coverage. You need to build your own protection layer through term insurance.

Save Tax

Premium up to ₹1.5L deductible under 80C. Claim amount is fully tax-free under Section 10(10D). Smart double benefit.

Term vs Endowment vs ULIP

Which Is Best For You?

Most agents push endowment/ULIP because they earn higher commission. Here's the honest comparison.

What Matters

Term Plan

Endowment

ULIP

Premium for ₹1 Cr Cover

~₹700/mo

~₹85,000/mo

~₹60,000/mo

Returns if you survive

Nothing

~5-6%

~8-12%

Best for

Pure protection

Risk-averse savers

Mid-term wealth

Our recommendation

Take term first

Skip for most

Only if you can't do SIP

Claim Settlement

What Happens If You're Not Around?

This is the moment that matters. We've ensured 99% claim settlement for our families — here's how the process works.

Inform Insurer

Family informs us. We notify the insurance company within 30 days of the event.

Submit Documents

Death certificate, ID proof, policy copy. We help compile the entire file for the family.

Verification

Insurer verifies in 15-30 days. We answer their queries on behalf of the family.

Settlement

Amount transferred to nominee's bank account. Tax-free under Section 10(10D).

Common Questions

Life Insurance FAQ

When is the best age to buy term insurance? +

As early as possible. Term insurance premium is locked-in at the age of purchase for the entire policy. A 25-year-old pays ₹600/mo for ₹1 Cr; a 40-year-old pays ₹1,400/mo for the same. Earlier you buy = cheaper for life.

Is claim settlement ratio important? +

Absolutely. We only recommend insurers with 95%+ claim settlement ratio over past 5 years. Top picks: HDFC Life (99.4%), Max Life (99.3%), ICICI Prudential (97.9%), LIC (97.0%).

What if I lie about smoking/health? +

Never do this. If insurer finds out during claim, they can reject the entire claim. Always disclose smoking, alcohol, BP, diabetes, family history honestly.

Should I take riders (Critical Illness, Accident)? +

Critical Illness rider: yes, recommended (covers cancer, heart attack, stroke with lump-sum). Accidental Death rider: skip — your base term plan already covers death from any cause.

Can I change beneficiary later? +

Yes, anytime. You can change nominee, add multiple nominees, change ownership. We help with all such changes free of cost throughout the policy.

Online term plan vs Offline — which is better? +

Online plans are 20-30% cheaper than offline. We exclusively recommend online plans where eligible. Same insurance company, same claim process, just direct-from-insurer pricing.

Secure YourFamily's Future