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Our Plans / Life Insurance

High-Sum-Assured Term
Life Architecture.

Provide impenetrable financial sovereignty for your dependents with pure term life insurance engineered for maximum cover, lowest lifetime premiums, and guaranteed claim certainty.

99.2%+ Average Claim Settlement Ratio
Pure Risk Cover (10x-25x Annual Income)
MWP Act Creditor Protection
Section 45 3-Year Incontestability
Term Life Engineering

Strategic Life Insurance Pillars

Separate investment from protection. Secure institutional term cover with zero hidden charges.

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Pure Risk Term Insurance (10x-25x Income)

Pure mortality protection securing massive life cover (₹1 Crore to ₹10 Crores+) at low, locked-in annual premiums.

Calculate Cover

Mixing insurance with investment is one of the most common financial mistakes in India. Traditional endowment plans lock up huge sums for meager 4% returns and barely ₹5 Lakhs cover. Pure term life insurance provides true family security: securing ₹1 Crore to ₹5 Crores cover for just ₹600-₹1,200 per month, freeing up remaining cash to compound in equities.

Lifetime Locked-In Premium

Your premium remains fixed for the entire policy tenure (up to age 75, 85, or whole life).

Multiple Payout Structures

Lump-sum, monthly inflation-increasing income, or customized combinations for nominees.

Healthy Lifestyle Discounts

Special discounted premium rates for non-smokers and healthy medical profiles.

High Sum-Assured Rebates

Institutional discounts on policies with sum assured exceeding ₹2 Crores.

₹1 Crore Starting ₹650/mo
Massive institutional cover securing your dependents for a fraction of traditional policy costs
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Integrated Critical Illness & Accidental Riders

Transforming your term plan into a living benefit that pays out immediately upon the diagnosis of severe medical ailments.

Add Riders

A term insurance plan should not just protect against death—it must protect you if a debilitating health crisis halts your ability to work. We bundle accelerated critical illness and accidental total disability riders that disburse an immediate lump sum (up to ₹50 Lakhs) upon diagnostic verification, completely tax-free.

40+ Critical Illness Accelerated Benefit

Instant lump-sum payout upon diagnosis of stroke, heart attack, cancer, or kidney failure.

Accidental Death & Disability (PTD)

Double indemnity payout if death or permanent total disability occurs due to an accident.

Waiver of Premium on Disability

The policy continues without paying any further premiums if you suffer a total permanent disability.

Terminal Illness Early Payout

100% full sum-assured released immediately if diagnosed with an incurable condition.

100% Early Payout
Full sum assured released during your lifetime upon terminal diagnosis
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Zero-Cost Early Exit & Return of Premium Plans

Modern smart-term structures allowing you to exit at retirement age and receive 100% of all paid premiums back.

Explore Smart Exit

Many individuals hesitate to buy term insurance because "you get nothing back if you survive." Modern Smart Exit Term Plans eliminate this objection. You maintain full ₹1 Crore to ₹5 Crores cover during your active working years; upon reaching retirement age (typically 60 or 65), you can voluntarily surrender the policy and receive 100% of all premiums back.

Zero-Cost Special Exit Value

Receive a 100% refund of all base premiums paid upon surrendering at age 60 or 65.

Limited Premium Payment Terms

Pay off all policy premiums in 5, 7, 10, or 12 years and enjoy lifelong protection.

Section 10(10D) Tax-Exempt Refund

Returned premiums on maturity or exit are completely exempt from income tax.

Child Milestone Integration

Option to step down coverage gradually as children become financially independent.

100% Refundable Option
Full return of base premiums at retirement with zero net cost for 30 years of protection
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Pre-Underwriting Verification & Claim Concierge

Rigorous upfront medical disclosure ensuring your family faces zero bureaucratic friction or claim repudiation.

Verify Cover

Over 90% of life insurance claim disputes occur due to unintentional non-disclosure during the initial proposal form. We conduct a thorough pre-underwriting audit—documenting past surgeries, medical tests, family health history, and other existing policies. Once your policy completes 3 continuous years, it becomes legally incontestable under Section 45.

Section 45 Incontestability Audit

Guarantees policy validity cannot be disputed after 3 years under Indian law.

Doorstep Tele-Medical Coordination

Scheduling hassle-free diagnostic blood tests and physician consultations at your home.

Nominee Briefing & Claim Dossier

Providing your family a step-by-step physical and digital kit for effortless future claim filing.

Direct Insurer Escalation Channel

In-house claims desk advocating directly with insurer claims committees for rapid release.

99.2%+ Claim Ratio
Partnering exclusively with top-tier IRDAI life insurers with proven track records
Onboarding Roadmap

The 3-Step Life Cover Journey

How we calculate your exact sum assured, coordinate underwriting, and hand over a legally ironclad policy bond.

01

Sum-Assured Sizing

We calculate your Human Life Value factoring outstanding home loans, inflation-indexed child education funds, and spouse living reserves.

Assessment
02

Medical & MWPA Setup

We coordinate doorstep medicals, attach Section 6 MWPA creditor protection, and ensure complete upfront health disclosures.

Underwriting
03

Bond Delivery & Nominee Kit

We verify the issued policy bond, provide your nominee with a comprehensive claim dossier, and store digital records securely.

Complete Certainty
Family Protection Proof

High Cover. Low Cost. Absolute Peace of Mind.

Read how a financial professional transitioned from expensive traditional policies to a pure ₹2.5 Crore term plan with MWPA protection.

Verified Policyholder

"I was paying nearly ₹90,000 every year for old endowment policies that provided barely ₹15 Lakhs of life cover. Investosure helped me analyze the opportunity cost. I surrendered those dead policies and took a pure ₹2.5 Crore term plan with MWPA protection for just ₹1,600 a month. The remaining cash now goes into equity SIPs. It's the best financial decision I've ever made."

GK
Gaurav Khurana
Senior Financial Analyst • Delhi NCR
Term Plan FAQs

Life Insurance FAQs

Frequently asked questions about term insurance calculation, smart exit values, and claim settlements.

Why is pure term insurance better than traditional endowment or money-back plans?
Traditional endowment and money-back plans offer poor returns (typically 4% to 5.5% annualized return) and drastically inadequate life cover. For example, a ₹50,000 annual endowment premium provides only ₹5L - ₹7L life cover. In contrast, the same ₹50,000 in a pure term plan buys ₹3 Crores to ₹5 Crores of coverage. By keeping insurance and investments separate, your family receives 20x higher protection while your surplus compounds in higher-yielding avenues.
What is a Zero-Cost Term Plan and how is it different from TROP?
A standard Term Return of Premium (TROP) plan charges 2x to 3x higher premiums every year to return money at the end. In contrast, a modern Zero-Cost Term Plan charges the regular low standard term premium, but provides a special window (typically between age 60 and 65) where you can voluntarily exit and receive 100% of all base premiums back without any penalty.
How do my nominees claim the term insurance payout?
Upon the policyholder's demise, the nominee submits the death certificate, original policy bond, and claim form. At Investosure, we provide each client a Nominee Claim Dossier during onboarding. In the event of a claim, our dedicated claims desk coordinates directly with the insurer’s executive committee, ensuring speedy settlement without bureaucratic delays.
Can non-working spouses or homemakers get pure term insurance?
Yes. Leading life insurers now offer term insurance covers specifically for homemakers (up to ₹50 Lakhs - ₹1 Crore) based on the earning spouse's income and existing term cover. This recognizes the immense economic value of a homemaker's contributions and protects the family against childcare and domestic replacement costs.
Term Coverage

Lock In Your Lowest Lifetime Term Premium.

Calculate your exact term life requirement and compare 99%+ claim settlement ratio insurers with certified advisors.

Calculate Life Cover