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Protection

Pure protection
for your family's
future.

High-coverage term plans from ₹500/month. IRDAI-certified advisors. No commission pressure — just the plan that's right for your family.

₹2 Cr
Max Cover
₹500
From/Month
20+
Plans Compared
98.5%
Claim Settlement
Get Free Advice Check Coverage Calculator
Indian family protected by term insurance
₹500Cr+
Premiums Facilitated
10,000+
Term Policies Advised
20+
Insurer Partners
98.5%
Average Claim Settlement
Why Term Insurance

The purest form of life protection.

No investment component. No maturity bonus. Just pure, high-coverage life protection at the lowest possible premium.

High Cover, Low Cost

Up to ₹2 Cr cover at premiums that start at ₹500/month for a 25-year-old — significantly cheaper than endowment or ULIP plans.

Critical Illness Rider

Add critical illness coverage that pays a lump sum on diagnosis of 30+ conditions including cancer, heart attack, and stroke.

Tax Benefits u/s 80C

Premiums paid qualify for deduction under Section 80C up to ₹1.5 lakh. Death benefit is fully exempt under Section 10(10D).

Return of Premium Option

Some plans return 100% of premiums paid if you survive the policy term — a useful hedge for premium-sensitive buyers.

Coverage Up to Age 85

Modern term plans cover you until age 75 or 85 — well past traditional retirement, ensuring lifelong family protection.

Waiver of Premium Rider

If you become permanently disabled, future premiums are waived but your coverage continues in full for the policy term.

Process

How we help you in 4 steps

1

Needs Assessment

We calculate the right sum assured based on your income, loans, dependents, and goals.

2

Plan Comparison

We compare 20+ plans across price, CSR, exclusions, and riders — not just premium.

3

Purchase Support

We guide you through the application, medical tests, and documentation process.

4

Claims Support

We handle insurer communication and documentation if your family ever needs to claim.

What is Term Insurance?

The 4 pillars of term life insurance

Term Life Insurance — Death Benefit, High Sum Assured at Low Cost, Coverage for Specific Period, Pure Protection Plan
Why Insuredge

Insuredge vs standard market plans

Feature Insuredge Curated Standard Market
Claim Settlement Support Dedicated Advisor Automated / Call Centre
Policy Analysis Personalised Generic
Hidden Charges Zero Often Hidden
Premium Comparison 20+ Insurers 3–5 Insurers
Exclusion Explanation Full Disclosure Fine Print Only
Post-Purchase Reviews Annual Free Review Not Available
Commission Bias Zero Product-Dependent
Advisory Fee Free Varies
Plans We Advise On

Popular term plans we recommend

Indicative premiums for ₹1 Cr cover, 30-year-old, non-smoker, 30-year term. Actual premiums vary.

Most Recommended
HDFC Life Click 2 Protect
HDFC Life
₹840/mo
for ₹1 Cr cover · 30 yrs term · 99.6% CSR
  • Critical illness rider
  • Return of premium option
  • Terminal illness benefit
  • Flexible payout options
Get Expert Advice
Max Life Smart Secure
Max Life Insurance
₹780/mo
for ₹1 Cr cover · 30 yrs term · 99.5% CSR
  • Special exit benefit
  • Joint life cover
  • Monthly income option
  • WOP rider
Get Expert Advice
ICICI Pru iProtect Smart
ICICI Prudential
₹870/mo
for ₹1 Cr cover · 30 yrs term · 98.1% CSR
  • 34 critical illnesses
  • Accidental death benefit
  • Disability rider
  • Terminal illness cover
Get Expert Advice

Premiums are illustrative. Final premiums depend on health, occupation, and insurer's underwriting.

Common Questions

Frequently asked questions

What is the ideal term insurance coverage amount?
A general rule: 10–15 times your annual income, plus all outstanding loans (home loan, car loan, etc.), plus a buffer for future goals like your children's education. Our coverage calculator gives you a precise number based on your specifics.
Till what age should I take cover?
Ideally, buy cover until your financial obligations end — typically till age 60–65. If you have a home loan till 55 and plan to retire at 60, a policy till 65 gives adequate buffer. Some plans offer cover till 75 or 85 for long-term dependents.
Should I add riders to my term plan?
Critical illness rider is almost always worth adding — it pays a lump sum on diagnosis of major diseases and costs very little. Accidental death benefit is useful if you commute frequently. Return of premium is generally not recommended as the extra cost outweighs the benefit versus a separate SIP.
What is claim settlement ratio (CSR) and how important is it?
CSR measures the % of claims settled vs filed. A 99% CSR means 99 of 100 claims were paid. However, CSR alone can be misleading — look at claim settlement speed, complaint ratios, and the specific exclusions in the policy. Our advisors evaluate all these factors together.
Can I change my coverage amount later?
Some insurers allow coverage increase at major life events (marriage, childbirth, home loan) under guaranteed insurability riders. Otherwise, you'd need to buy a separate policy. This is one reason buying the right amount from the start — with proper advice — matters.
How is term insurance different from LIC endowment plans?
Term insurance is pure protection — no maturity benefit, but maximum cover at minimum cost. Endowment plans mix insurance with savings, resulting in high premiums and inadequate cover. Most financial advisors, including us, recommend term + separate SIP over endowment plans.

Need Personal Guidance?

Our IRDAI-certified advisors will help you choose the right term plan based on your specific income, loans, and family needs.

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Ready to protect your family?

Get ₹1 Cr cover from ₹710/month. Our advisor will find the best plan for your specific situation in one free 30-minute call.

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