Protection · Life Cover

Term insurance that actually
protects your family

Pure, affordable life cover with no investment component. Get up to ₹2 Cr coverage at premiums starting ₹500/month — from India's top-rated insurers.

₹2 Cr Max Coverage
₹500 From / month
30+ Plan Options
99.5% Best CSR
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Quick Indicative Estimates
Age 28, Non-smoker
₹1 Cr / 30yr
₹710/mo
Age 35, Non-smoker
₹1 Cr / 25yr
₹890/mo
Age 28, Smoker
₹1 Cr / 30yr
₹1,420/mo
Age 40, Non-smoker
₹50 L / 20yr
₹780/mo

*Indicative premiums. Actual rates depend on insurer underwriting and medical history.

The Process

How it works

From your first conversation to an active policy — here's what to expect when you work with us.

01

Share your profile

Age, income, lifestyle, existing coverage — we build a complete picture of your financial situation.

02

We compare 30+ plans

Our advisors shortlist the best options based purely on your needs — not commission rates.

03

You choose & apply

Simple online application — most plans issue policies in under 48 hours.

04

We support your claim

If your family ever needs to claim, our dedicated advisor guides them through every step.

Why Term Insurance

8 reasons it's non-negotiable

Term insurance is the foundation of any solid financial plan. No other product provides pure life protection at this cost efficiency.

Speak to an Advisor
Income Replacement

Replace your income for dependents if you're no longer around. Ensures the household continues without financial stress.

Loan & Debt Protection

Home loans, car loans, and business debts don't burden your family when you're not here to repay them.

Tax Benefit (Sec. 80C)

Premiums qualify for deduction up to ₹1.5 lakh per year under Section 80C of the Income Tax Act.

Affordable Premiums

₹1 Cr cover for a 30-year-old non-smoker can cost as low as ₹700/month — less than a streaming subscription.

Add-on Riders

Enhance with critical illness, accidental death, waiver of premium, and income benefit riders.

Flexible Payout Options

Choose lump sum, monthly income, or a combination to best suit your family's future financial needs.

Return of Premium

Select TROP (Term with Return of Premium) plans to get all premiums back if you outlive the policy term.

Peace of Mind

Live fully knowing your loved ones are protected regardless of what life brings — the ultimate financial safety net.

Is It Right For You?

Who should buy term insurance

If anyone depends on your income — financially or emotionally — you need term insurance.

Salaried Employees Your family's lifestyle depends on your income. Term insurance replaces it for as long as your dependents need it.
Business Owners Protect business loans and ensure your partners and family aren't left with liabilities or an unmanaged enterprise.
Young Professionals Lock in low premiums now. A 28-year-old pays up to 40% less than a 38-year-old for the same cover.
Parents Ensure your children's education, marriage, and financial future are fully funded regardless of what happens to you.
Home Loan Borrowers Your home is your family's biggest asset. Term insurance ensures the EMI never defaults in your absence.
New Earners The best time to buy is when you first start earning. Lowest premiums, longest coverage period, maximum peace of mind.
Plan Comparison

Top term insurance plans 2026

Premiums shown for a 30-year-old non-smoker, ₹1 Cr sum assured, 30-year tenure.

Plan Sum Assured Monthly Premium Claim Settlement Max Age (yrs)
HDFC Life Click 2 Protect ₹1 Cr ₹710/mo 99.4% Up to 85 Best Overall
ICICI Pru iProtect Smart ₹1 Cr ₹740/mo 98.6% Up to 99 Longest Cover
Max Life Smart Secure+ ₹1 Cr ₹695/mo 99.5% Up to 85 Highest CSR
Tata AIA Sampoorna Raksha ₹1 Cr ₹725/mo 98.5% Up to 100 Lifetime Cover
LIC Tech Term ₹1 Cr ₹830/mo 98.7% Up to 80 Govt. Backed

* Premiums are indicative and vary based on health, lifestyle, and insurer underwriting. Last updated April 2026. Speak to an advisor for exact personalised quotes →

The Insuredge Difference

Why 10,000+ families choose us

The difference between us and every other comparison platform is that we stay with you — before, during, and after your purchase.

Feature Standard Market Insuredge
Claim Support Automated / Call Centre Dedicated Personal Advisor
Plan Analysis Generic Recommendations Personalised For Your Goals
Hidden Charges Often Present Zero Hidden Charges
Documentation Help Self-service Only End-to-End Assistance
Renewal Reminders Basic Email / SMS Proactive Follow-up Calls
Advisory Fee Varies / Undisclosed ₹0 — Always Free
Free Tool

How much coverage do you need?

A thumb rule is 10–15× your annual income plus all outstanding liabilities. Adjust the inputs and see your personalised estimate instantly.

This is a quick estimate. Our advisors provide a detailed, fully personalised coverage analysis — completely free.

Get Full Analysis Free
Recommended Coverage ₹2,30,00,000 Based on 15× income + liabilities
Estimated Premium ₹1,248/mo 30-yr term · non-smoker · 30 yrs old

* This is a quick estimate only. Actual premiums depend on age, health, lifestyle, sum assured, and insurer underwriting. Speak to an advisor for an exact quote.

Common Questions

Everything you need to know

Still have questions? Call or WhatsApp us — our advisors are available Mon–Sat, 9 AM–7 PM.

Ask a Question
The standard rule is 10–15× your annual income plus all outstanding liabilities (home loan, car loan, etc.). Our free calculator below gives you a personalised estimate in under 30 seconds.
Ideally until your financial dependents become independent — typically your retirement age or when your youngest child becomes self-sufficient. Common tenures run to age 60, 65, or 75.
The earlier the better. Premiums are lowest in your 20s and 30s. Waiting even 5 years from age 28 to 33 can increase your premium by 25–35% for the same coverage.
Yes. Most modern plans offer a "coverage increase" option at key life events — marriage, childbirth, or home purchase — without a fresh medical examination (subject to underwriting).
We provide full end-to-end claim support — document checklist, insurer coordination, and follow-up — completely free for all our clients. Our 98.5% claim settlement rate reflects this.
Yes. Premiums paid for term insurance qualify for deduction under Section 80C of the Income Tax Act, up to ₹1.5 lakh per financial year.
We recommend a Critical Illness rider and an Accidental Death Benefit rider as a minimum if you don't already have separate coverage. They typically add only 10–20% to the base premium.
No. Business owners, self-employed professionals, and even homemakers can and should have term insurance. Business owners in particular need it to cover outstanding business loans and succession risk.

Ready to protect your family — today?

Our certified advisors compare 30+ plans to find the one that fits your budget and coverage goals. Zero advisory fee. Zero sales pressure.

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