Choosing the best term insurance plan in India in 2026 is a big decision for your family. Medical costs are going up. Money responsibilities are growing. Daily life also feels more risky than before. A term insurance plan gives your family money if something happens to you. The good plans today offer high cover for a low price - starting around ₹14 a day. Many also include critical illness riders, flexible payout choices, and a strong record of paying claims. These are the things to check before you pick a plan. Best Term Insurance Plan in India Top 5 Best Term Insurance Plans in India 2026 The following are the 5 best term insurance plans in India based on their annualised premiums for the FY 2024-25. **Disclaimer: The insurers mentioned above are arranged in order of highest to lowest annualised premium, based on data from the IRDAI Annual Report 2024–25. Policybazaar does not endorse, rate, or recommend any specific insurer or insurance product. For the complete list of life insurers in India, please visit the IRDAI website. How to Choose the Best Term Insurance Plan in India Use the following checklist before purchasing a term insurance policy: Assess your needs and goals Start by working out how much life cover your family would actually need — think about daily expenses, your children's education, and any long-term financial goals you're currently funding. This figure should form the basis of your sum assured, not a generic multiple of your income. Assess your needs and goals Start by working out how much life cover your family would actually need — think about daily expenses, your children's education, and any long-term financial goals you're currently funding. This figure should form the basis of your sum assured, not a generic multiple of your income. Check your remaining loans Outstanding liabilities such as a home loan, car loan or personal loan should be factored into your cover. A term plan is meant to prevent these debts from becoming a burden on your family, so account for the remaining loan amount while deciding your sum assured. Check your remaining loans Outstanding liabilities such as a home loan, car loan or personal loan should be factored into your cover. A term plan is meant to prevent these debts from becoming a burden on your family, so account for the remaining loan amount while deciding your sum assured. Compare premium rates Premiums for similar sum assured and policy tenure can vary noticeably between insurers. Compare a few term plans online using the same profile details — age, cover amount and term — so the numbers are directly comparable rather than misleading. Compare premium rates Premiums for similar sum assured and policy tenure can vary noticeably between insurers. Compare a few term plans online using the same profile details — age, cover amount and term — so the numbers are directly comparable rather than misleading. Select suitable riders Riders such as critical illness cover, accidental death benefit, or a waiver of premium can strengthen your base policy. Choose only the riders relevant to your health profile and lifestyle, since adding unnecessary ones increases your premium without adding real value. Select suitable riders Riders such as critical illness cover, accidental death benefit, or a waiver of premium can strengthen your base policy. Choose only the riders relevant to your health profile and lifestyle, since adding unnecessary ones increases your premium without adding real value. Check the insurer's claim settlement ratio The claim settlement ratio (CSR) indicates how consistently an insurer has honoured claims in the past. A higher CSR is generally a good sign, though it should be read alongside the insurer's claim process and turnaround time, not in isolation. Check the insurer's claim settlement ratio The claim settlement ratio (CSR) indicates how consistently an insurer has honoured claims in the past. A higher CSR is generally a good sign, though it should be read alongside the insurer's claim process and turnaround time, not in isolation. Read customer reviews Feedback from existing policyholders can tell you a lot about an insurer's claim experience, customer service and overall reliability — details that don't always show up in a brochure. It's worth spending a few minutes on this before making a final decision. Read customer reviews Feedback from existing policyholders can tell you a lot about an insurer's claim experience, customer service and overall reliability — details that don't always show up in a brochure. It's worth spending a few minutes on this before making a final decision. Complete List of Best Term Insurance Plans In India 2026 ~ Compare and choose the right term insurance policy from the list of all term insurance policies in India for 2026. These plans offer different life cover options for different annual incomes. Find the most affordable, high-coverage plan that fits your financial needs. Disclaimer: ~ The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in Note: The above table shows the list of term insurance plans for 1 crore life cover for the profile of an 18-year-old, non-smoking male, cover upto 38 years. Planning to buy best term insurance? Learn what is term insurance , how it works, and who should consider buying it before comparing plans. Term Plans ₹1 Crore Life Cover @ Starting from ₹ 13/day + VIEW PLAN ₹50 LAKH Life Cover @ Starting from ₹ 8/day + VIEW PLAN ₹75 LAKH Life Cover @ Starting from ₹ 12/day + VIEW PLAN @ Starting from ₹ 13/day + @ Starting from ₹ 8/day + @ Starting from ₹ 12/day + Common Customer Queries Answered What is the premium rate of 1 crore term insurance plan in India? The premium rates for 1 crore term insurance plans start at just ₹13 per day, making them one of the most affordable insurance options. What is the premium rate of 1 crore term insurance plan in India? What is the main key benefit of term insurance? The main key benefit of buying the best term life insurance is that it provides a large life cover to secure your family’s financial future in case of your untimely demise. What is the main key benefit of term insurance? Are term plans suitable for all income levels? Yes, customised plans are available for every income bracket, whether you earn ₹5 lakh or ₹50 lakh per year. Are term plans suitable for all income levels? Can I enhance my coverage with add-ons? Yes. For extra protection, you can add riders like critical illness, accidental death, or premium waiver benefits. Can I enhance my coverage with add-ons? Which companies offer the best term plans? You can choose from the insurers below in India, which have strong claim settlement ratios and a proven track record of reliability. Which companies offer the best term plans? Which is the best term policy in India? The best term policy in India depends on your age, income, financial responsibilities, and coverage needs. When comparing plans, consider factors such as the claim settlement ratio, available riders, flexibility in payout options, premium affordability, and the insurer's overall reputation. Which is the best term policy in India? What are the term insurance tax benefits? Term insurance tax benefits are available under the Income Tax Act, 1961. Premiums paid may qualify for deductions under Section 80C, while the death benefit is generally tax-exempt under Section 10(10D), subject to applicable tax laws. What are the term insurance tax benefits? Understand the Best Term Insurance Plans in India in More Detail Take a closer look at the features, benefits, and riders offered under each of these term insurance plans before making your final choice. Aditya Birla Sun Life Insurance Super Term Plan You can choose from multiple death benefits, as per your individual needs. In case of a terminal illness diagnosis, an early payout will be made to help take care of the medical expenses. The plan allows you to claim hospicare, surgical care, and accidental death benefits at nominal additional premiums. There are discounted premiums for non-smokers and individuals maintaining good health profiles, making long-term protection more cost-efficient. Read More Aditya Birla Sun Life Insurance Super Term Plan You can choose from multiple death benefits, as per your individual needs. You can choose from multiple death benefits, as per your individual needs. In case of a terminal illness diagnosis, an early payout will be made to help take care of the medical expenses. In case of a terminal illness diagnosis, an early payout will be made to help take care of the medical expenses. The plan allows you to claim hospicare, surgical care, and accidental death benefits at nominal additional premiums. The plan allows you to claim hospicare, surgical care, and accidental death benefits at nominal additional premiums. There are discounted premiums for non-smokers and individuals maintaining good health profiles, making long-term protection more cost-efficient. There are discounted premiums for non-smokers and individuals maintaining good health profiles, making long-term protection more cost-efficient. Ageas Federal Termsurance Life Protection Insurance Plan You can choose from multiple plan options, as per your individual needs. Get flexibility in policy terms and premium payment options The plan offers additional discounts for females and high sum assured life cover. You can pay the premiums in regular or single premium payment modes Read More Ageas Federal Termsurance Life Protection Insurance Plan You can choose from multiple plan options, as per your individual needs. You can choose from multiple plan options, as per your individual needs. Get flexibility in policy terms and premium payment options Get flexibility in policy terms and premium payment options The plan offers additional discounts for females and high sum assured life cover. The plan offers additional discounts for females and high sum assured life cover. You can pay the premiums in regular or single premium payment modes You can pay the premiums in regular or single premium payment modes Aviva Signature 3D Term Plan You can choose from 4 plan options that fit your needs Enhance the base cover with the additional riders available The return of premium option returns all the premiums paid at the maturity of the policy Option to get covered under the MWP Act Get tax benefits as per the prevailing tax laws Read More Aviva Signature 3D Term Plan You can choose from 4 plan options that fit your needs You can choose from 4 plan options that fit your needs Enhance the base cover with the additional riders available Enhance the base cover with the additional riders available The return of premium option returns all the premiums paid at the maturity of the policy The return of premium option returns all the premiums paid at the maturity of the policy Option to get covered under the MWP Act Option to get covered under the MWP Act Get tax benefits as per the prevailing tax laws Get tax benefits as per the prevailing tax laws Axis Max Life Smart Term Plan Plus You can choose from the different plan variants based on lifestyle needs and long-term financial goals. It includes built-in flexibility to enhance cover against critical illnesses or accidental death through additional rider options. The policy provides women specific benefits like maternity cover, lifeline cover, and female life discount. It gives customers the option to choose increasing payouts, helping the benefit keep pace with rising household expenses. Read More Axis Max Life Smart Term Plan Plus You can choose from the different plan variants based on lifestyle needs and long-term financial goals. You can choose from the different plan variants based on lifestyle needs and long-term financial goals. It includes built-in flexibility to enhance cover against critical illnesses or accidental death through additional rider options. It includes built-in flexibility to enhance cover against critical illnesses or accidental death through additional rider options. The policy provides women specific benefits like maternity cover, lifeline cover, and female life discount. The policy provides women specific benefits like maternity cover, lifeline cover, and female life discount. It gives customers the option to choose increasing payouts, helping the benefit keep pace with rising household expenses. It gives customers the option to choose increasing payouts, helping the benefit keep pace with rising household expenses. Bandhan Life iTerm Prime The plan provides life cover with lump sum payout on demise Option to receive all your premiums back if in case you no longer need life coverage through special exit feature Flexible premium payment modes Option to select add-ons/riders for Critical Illness or Accidental death to increase the policy coverage. Tax benefits on premium amount paid and payouts received as per the prevailing laws of the ITA, 1961. Read More Bandhan Life iTerm Prime The plan provides life cover with lump sum payout on demise The plan provides life cover with lump sum payout on demise Option to receive all your premiums back if in case you no longer need life coverage through special exit feature Option to receive all your premiums back if in case you no longer need life coverage through special exit feature Flexible premium payment modes Flexible premium payment modes Option to select add-ons/riders for Critical Illness or Accidental death to increase the policy coverage. Option to select add-ons/riders for Critical Illness or Accidental death to increase the policy coverage. Tax benefits on premium amount paid and payouts received as per the prevailing laws of the ITA, 1961. Tax benefits on premium amount paid and payouts received as per the prevailing laws of the ITA, 1961. Bajaj eTouch II Term Plan This plan provides cover against death and the diagnosis of a terminal illness. It offers several riders, including accidental death and waiver of premium on terminal illness and disability benefits, allowing for comprehensive protection under one policy. The plan comes with flexible premium payment modes such as monthly, quarterly, or annual payments, giving more financial control to the policyholder. It offers premium holiday, auto cover continuance benefits, and early exit benefit. Read More Bajaj eTouch II Term Plan This plan provides cover against death and the diagnosis of a terminal illness. This plan provides cover against death and the diagnosis of a terminal illness. It offers several riders, including accidental death and waiver of premium on terminal illness and disability benefits, allowing for comprehensive protection under one policy. It offers several riders, including accidental death and waiver of premium on terminal illness and disability benefits, allowing for comprehensive protection under one policy. The plan comes with flexible premium payment modes such as monthly, quarterly, or annual payments, giving more financial control to the policyholder. The plan comes with flexible premium payment modes such as monthly, quarterly, or annual payments, giving more financial control to the policyholder. It offers premium holiday, auto cover continuance benefits, and early exit benefit. It offers premium holiday, auto cover continuance benefits, and early exit benefit. Bharti AXA Flexi Term Pro Choose from 2 plan options The return of premium option pays all the premiums paid at the maturity Select for your spouse to be covered under the same plan Choose to get covered under the policy till 100 years of age Pay the premiums in suitable premium pay term and modes Increase sum assured as per needs at different life stages Read More Bharti AXA Flexi Term Pro Choose from 2 plan options Choose from 2 plan options The return of premium option pays all the premiums paid at the maturity The return of premium option pays all the premiums paid at the maturity Select for your spouse to be covered under the same plan Select for your spouse to be covered under the same plan Choose to get covered under the policy till 100 years of age Choose to get covered under the policy till 100 years of age Pay the premiums in suitable premium pay term and modes Pay the premiums in suitable premium pay term and modes Increase sum assured as per needs at different life stages Increase sum assured as per needs at different life stages Canara HSBC Young Term Plan The plan offers a return of premiums on the survival of the policy term. You can exit the plan early and receive all the premiums paid during the policy. The plan waives off future premiums on the diagnosis of a covered critical illness or an accidental total permanent disability during the policy term. You can block your premium rate at the time of policy purchase and increase the cover up to 100% of the base sum assured. The plan allows you to cover your spouse within the same plan. Read More Canara HSBC Young Term Plan The plan offers a return of premiums on the survival of the policy term. The plan offers a return of premiums on the survival of the policy term. You can exit the plan early and receive all the premiums paid during the policy. You can exit the plan early and receive all the premiums paid during the policy. The plan waives off future premiums on the diagnosis of a covered critical illness or an accidental total permanent disability during the policy term. The plan waives off future premiums on the diagnosis of a covered critical illness or an accidental total permanent disability during the policy term. You can block your premium rate at the time of policy purchase and increase the cover up to 100% of the base sum assured. You can block your premium rate at the time of policy purchase and increase the cover up to 100% of the base sum assured. The plan allows you to cover your spouse within the same plan. The plan allows you to cover your spouse within the same plan. Edelweiss Life Zindagi Protect Plus The plan offers better half benefit to help you and your spouse get covered under the same plan. You can increase the sum assured of the base policy with the plans’ top-up benefit. Choose from several different riders like accidental death, accidental disability, critical illness, and hospital cash benefit riders. The waiver of premium rider will waive off the remaining premiums on the diagnosis of a covered critical illness and surviving the 30 day waiting period. Read More Edelweiss Life Zindagi Protect Plus The plan offers better half benefit to help you and your spouse get covered under the same plan. The plan offers better half benefit to help you and your spouse get covered under the same plan. You can increase the sum assured of the base policy with the plans’ top-up benefit. You can increase the sum assured of the base policy with the plans’ top-up benefit. Choose from several different riders like accidental death, accidental disability, critical illness, and hospital cash benefit riders. Choose from several different riders like accidental death, accidental disability, critical illness, and hospital cash benefit riders. The waiver of premium rider will waive off the remaining premiums on the diagnosis of a covered critical illness and surviving the 30 day waiting period. The waiver of premium rider will waive off the remaining premiums on the diagnosis of a covered critical illness and surviving the 30 day waiting period. Future Generali Care Plus Plan Select the most suitable plan option from the available options Get financial protection for the family Save on taxes as per the prevailing tax laws Customize the policy term and sum assured as per your individual needs Receive a discount of premium on a higher sum assured Read More Future Generali Care Plus Plan Select the most suitable plan option from the available options Select the most suitable plan option from the available options Get financial protection for the family Get financial protection for the family Save on taxes as per the prevailing tax laws Save on taxes as per the prevailing tax laws Customize the policy term and sum assured as per your individual needs Customize the policy term and sum assured as per your individual needs Receive a discount of premium on a higher sum assured Receive a discount of premium on a higher sum assured Digit Glow Term Life Insurance This plan is designed to offer affordable premiums and simple policy features for ease of understanding. It includes options for both level and increasing cover, giving the policyholder flexibility to manage risk as expenses evolve over time. The plan offers quick issuance with minimal medical requirements for eligible profiles, making it suitable for individuals seeking a hassle-free process. It supports multiple riders to enhance protection, including accidental death and hospital-related benefits, for broader financial security. Read More Digit Glow Term Life Insurance This plan is designed to offer affordable premiums and simple policy features for ease of understanding. This plan is designed to offer affordable premiums and simple policy features for ease of understanding. It includes options for both level and increasing cover, giving the policyholder flexibility to manage risk as expenses evolve over time. It includes options for both level and increasing cover, giving the policyholder flexibility to manage risk as expenses evolve over time. The plan offers quick issuance with minimal medical requirements for eligible profiles, making it suitable for individuals seeking a hassle-free process. The plan offers quick issuance with minimal medical requirements for eligible profiles, making it suitable for individuals seeking a hassle-free process. It supports multiple riders to enhance protection, including accidental death and hospital-related benefits, for broader financial security. It supports multiple riders to enhance protection, including accidental death and hospital-related benefits, for broader financial security. HDFC Life Click 2 Protect Supreme You can choose the most suitable plan from the three plan options: Life, Life Plus, and Life Goal. You can get back all the premiums paid as maturity with the Return of Premium option. The plan pays out an Accelerated Death Benefit in case of a terminal illness diagnosis. You can include Waiver of Premium Benefits for Critical Illness and Total and Permanent Disability. Read More HDFC Life Click 2 Protect Supreme You can choose the most suitable plan from the three plan options: Life, Life Plus, and Life Goal. You can choose the most suitable plan from the three plan options: Life, Life Plus, and Life Goal. You can get back all the premiums paid as maturity with the Return of Premium option. You can get back all the premiums paid as maturity with the Return of Premium option. The plan pays out an Accelerated Death Benefit in case of a terminal illness diagnosis. The plan pays out an Accelerated Death Benefit in case of a terminal illness diagnosis. You can include Waiver of Premium Benefits for Critical Illness and Total and Permanent Disability. You can include Waiver of Premium Benefits for Critical Illness and Total and Permanent Disability. ICICI Pru iProtect Smart Plus Get ICICI Pru iProtect Smart Plus term plan offers cover against death and enhanced protection at different life stages. You get the flexibility of choosing between limited premium payment and regular premium pay terms. Your nominee can receive an instant claim intimation amount of 3 Lacs on as Accelerated Death Benefits. You get additional benefits like premium break, death benefit in installment benefits, and special discounts for salaried customers. Read More ICICI Pru iProtect Smart Plus Get ICICI Pru iProtect Smart Plus term plan offers cover against death and enhanced protection at different life stages. Get ICICI Pru iProtect Smart Plus term plan offers cover against death and enhanced protection at different life stages. You get the flexibility of choosing between limited premium payment and regular premium pay terms. You get the flexibility of choosing between limited premium payment and regular premium pay terms. Your nominee can receive an instant claim intimation amount of 3 Lacs on as Accelerated Death Benefits. Your nominee can receive an instant claim intimation amount of 3 Lacs on as Accelerated Death Benefits. You get additional benefits like premium break, death benefit in installment benefits, and special discounts for salaried customers. You get additional benefits like premium break, death benefit in installment benefits, and special discounts for salaried customers. IndiaFirst Life Term Plan Get long term coverage (till 80 years of age) Receive large life cover at affordable premiums Pay the premiums in a suitable premium pay mode and term The death benefit can be paid in lump sum or regular installments Receive tax benefits on the premium paid as per IT Act, 1961 Read More IndiaFirst Life Term Plan Get long term coverage (till 80 years of age) Get long term coverage (till 80 years of age) Receive large life cover at affordable premiums Receive large life cover at affordable premiums Pay the premiums in a suitable premium pay mode and term Pay the premiums in a suitable premium pay mode and term The death benefit can be paid in lump sum or regular installments The death benefit can be paid in lump sum or regular installments Receive tax benefits on the premium paid as per IT Act, 1961 Receive tax benefits on the premium paid as per IT Act, 1961 Kotak e-Term Plan This Kotak Term Insurance offers high coverage at affordable rates . The cover can be enhanced at special life events through the step-up option. This Kotak Term Plan gives you flexibility in choosing payout options. You can also opt for the Kotak e Term Plan online for hassle-free purchase. Add extra protection with the Kotak Mahindra Term Insurance riders. The Kotak Mahindra Term Plan allows customization of sum assured and policy term. Read More Kotak e-Term Plan This Kotak Term Insurance offers high coverage at affordable rates . This Kotak Term Insurance offers high coverage at affordable rates . The cover can be enhanced at special life events through the step-up option. The cover can be enhanced at special life events through the step-up option. This Kotak Term Plan gives you flexibility in choosing payout options. This Kotak Term Plan gives you flexibility in choosing payout options. You can also opt for the Kotak e Term Plan online for hassle-free purchase. You can also opt for the Kotak e Term Plan online for hassle-free purchase. Add extra protection with the Kotak Mahindra Term Insurance riders. Add extra protection with the Kotak Mahindra Term Insurance riders. The Kotak Mahindra Term Plan allows customization of sum assured and policy term. The Kotak Mahindra Term Plan allows customization of sum assured and policy term. LIC New Jeevan Amar LIC New Jeevan Amar offers flexibility to choose the suitable premium payment terms, policy term, and payout options. You can choose from two benefit options: Level or Increasing Sum Assured. The plan offers special rates for women and non-smokers. You can also enhance your coverage by including the Accidental Benefit Rider in your base plan. Read More LIC New Jeevan Amar LIC New Jeevan Amar offers flexibility to choose the suitable premium payment terms, policy term, and payout options. LIC New Jeevan Amar offers flexibility to choose the suitable premium payment terms, policy term, and payout options. You can choose from two benefit options: Level or Increasing Sum Assured. You can choose from two benefit options: Level or Increasing Sum Assured. The plan offers special rates for women and non-smokers. The plan offers special rates for women and non-smokers. You can also enhance your coverage by including the Accidental Benefit Rider in your base plan. You can also enhance your coverage by including the Accidental Benefit Rider in your base plan. PNB Metlife Mera Term Plan Plus This is a comprehensive term insurance plan, which can be purchased online from one of the top term insurance company in India. The policy offers additional coverage to the spouse under the same plan. The plan provides the flexibility to enhance the coverage of the policy under Step-Up Benefit, Life Stage Benefit, and Child Education Support Benefit. The policy offers 3 life benefit options with different additional riders included in the base plan. Lower premium rates are offered for non-smokers and female policy buyers. Read More PNB Metlife Mera Term Plan Plus This is a comprehensive term insurance plan, which can be purchased online from one of the top term insurance company in India. This is a comprehensive term insurance plan, which can be purchased online from one of the top term insurance company in India. The policy offers additional coverage to the spouse under the same plan. The policy offers additional coverage to the spouse under the same plan. The plan provides the flexibility to enhance the coverage of the policy under Step-Up Benefit, Life Stage Benefit, and Child Education Support Benefit. The plan provides the flexibility to enhance the coverage of the policy under Step-Up Benefit, Life Stage Benefit, and Child Education Support Benefit. The policy offers 3 life benefit options with different additional riders included in the base plan. The policy offers 3 life benefit options with different additional riders included in the base plan. Lower premium rates are offered for non-smokers and female policy buyers. Lower premium rates are offered for non-smokers and female policy buyers. Pramerica Life Saral Jeevan Bima The plan offers financial protection for family Choose to pay the premiums in flexible premium payment modes You can select the most suitable policy term from 5 to 40 years Convenient premium payment tenures from single, regular, and limited premium pay tenures. Receive tax benefits as per the prevailing tax laws. Read More Pramerica Life Saral Jeevan Bima The plan offers financial protection for family The plan offers financial protection for family Choose to pay the premiums in flexible premium payment modes Choose to pay the premiums in flexible premium payment modes You can select the most suitable policy term from 5 to 40 years You can select the most suitable policy term from 5 to 40 years Convenient premium payment tenures from single, regular, and limited premium pay tenures. Convenient premium payment tenures from single, regular, and limited premium pay tenures. Receive tax benefits as per the prevailing tax laws. Receive tax benefits as per the prevailing tax laws. Reliance Nippon Life Super Suraksha Plus Get comprehensive cover for a policy term of up to 50 years Receive return of premium on maturity with the Life Plus Variant Pay the premiums in limited or regular premium payment modes You can increase the cover at milestones like marriage or having kids Enhance the base cover of the policy with the available riders Read More Reliance Nippon Life Super Suraksha Plus Get comprehensive cover for a policy term of up to 50 years Get comprehensive cover for a policy term of up to 50 years Receive return of premium on maturity with the Life Plus Variant Receive return of premium on maturity with the Life Plus Variant Pay the premiums in limited or regular premium payment modes Pay the premiums in limited or regular premium payment modes You can increase the cover at milestones like marriage or having kids You can increase the cover at milestones like marriage or having kids Enhance the base cover of the policy with the available riders Enhance the base cover of the policy with the available riders SBI Life Smart Shield Plus This term plan offers 3 Plan Options, that are Level cover, Increasing Cover, and Level Cover with Future Proofing Benefit. SBI Life Smart Shield Plus is a term plan that provides comprehensive coverage at an affordable premium rate. You can enhance the base cover of your policy with Accidental Death Benefit and Accidental Partial Permanent Disability Benefit riders. The plan can be customized using the Death Benefit Payment Mode and Better Half Benefit Option. Read More SBI Life Smart Shield Plus This term plan offers 3 Plan Options, that are Level cover, Increasing Cover, and Level Cover with Future Proofing Benefit. This term plan offers 3 Plan Options, that are Level cover, Increasing Cover, and Level Cover with Future Proofing Benefit. SBI Life Smart Shield Plus is a term plan that provides comprehensive coverage at an affordable premium rate. SBI Life Smart Shield Plus is a term plan that provides comprehensive coverage at an affordable premium rate. You can enhance the base cover of your policy with Accidental Death Benefit and Accidental Partial Permanent Disability Benefit riders. You can enhance the base cover of your policy with Accidental Death Benefit and Accidental Partial Permanent Disability Benefit riders. The plan can be customized using the Death Benefit Payment Mode and Better Half Benefit Option. The plan can be customized using the Death Benefit Payment Mode and Better Half Benefit Option. Shriram Life Online Term Plan Choose from 3 plan options for different needs Get affordable premiums for a large life cover Get enhanced protection with the available riders Claim term insurance tax benefits as per the prevailing tax laws The plan has an inbuilt terminal illness and accidental permanent total disability cover. Read More Shriram Life Online Term Plan Choose from 3 plan options for different needs Choose from 3 plan options for different needs Get affordable premiums for a large life cover Get affordable premiums for a large life cover Get enhanced protection with the available riders Get enhanced protection with the available riders Claim term insurance tax benefits as per the prevailing tax laws Claim term insurance tax benefits as per the prevailing tax laws The plan has an inbuilt terminal illness and accidental permanent total disability cover. The plan has an inbuilt terminal illness and accidental permanent total disability cover. SUD Life Protect Shield Plus Get covered for the required policy term (max. till 80 years of age) Choose sum assured, premium pay term, and policy term as per your needs Affordable premiums remove strain on your pockets The death benefit will be paid as a lumpsum Claim tax benefits under sections 80C and 10(10D) of the IT Act, 1961 Read More SUD Life Protect Shield Plus Get covered for the required policy term (max. till 80 years of age) Get covered for the required policy term (max. till 80 years of age) Choose sum assured, premium pay term, and policy term as per your needs Choose sum assured, premium pay term, and policy term as per your needs Affordable premiums remove strain on your pockets Affordable premiums remove strain on your pockets The death benefit will be paid as a lumpsum The death benefit will be paid as a lumpsum Claim tax benefits under sections 80C and 10(10D) of the IT Act, 1961 Claim tax benefits under sections 80C and 10(10D) of the IT Act, 1961 TATA AIA Sampoorna Raksha Promise With this, one of the top term insurance company in India, you can choose from 4 plan options Get 50% base sum assured as accelerated benefit in case of terminal illness diagnosis Get FlexiPay benefits, and Family Plan benefits with this plan With this TATA AIA Term Plan, you get an in-built waiver of premium in the terminal illness diagnosis Read More TATA AIA Sampoorna Raksha Promise With this, one of the top term insurance company in India, you can choose from 4 plan options With this, one of the top term insurance company in India, you can choose from 4 plan options Get 50% base sum assured as accelerated benefit in case of terminal illness diagnosis Get 50% base sum assured as accelerated benefit in case of terminal illness diagnosis Get FlexiPay benefits, and Family Plan benefits with this plan

Get FlexiPay benefits, and Family Plan benefits with this plan With this TATA AIA Term Plan, you get an in-built waiver of premium in the terminal illness diagnosis With this TATA AIA Term Plan, you get an in-built waiver of premium in the terminal illness diagnosis *Disclaimer: The list of insurers mentioned are arranged according to the alphabetical order of the name of insurance company respectively. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in Secure Your Family Future Today ₹1 CRORE Term Plan Starting @ Get an online discount of upto 15% # Compare 40+ plans from 15 Insurers View Plan + Standard T&C Applied Secure Your Family Future Today Term Plan Starting @ Get an online discount of upto 15% # Compare 40+ plans from 15 Insurers AI Prompts user are searching for There is no single best term insurance plan in India for everyone. The right choice depends on your income, liabilities, and family needs. The best term insurance in India is one that offers a high sum assured, affordable premium, flexible payout options, and is backed by a reliable insurer with a strong claim settlement record. The best term insurance plan in India that offers good value are those that balances cost and coverage. Plans with level premiums, high coverage at a reasonable cost, and useful riders like critical illness or waiver of premium often deliver better value. Comparing options from top insurers helps you find a plan that fits both your budget and long-term protection needs. For a 30-year-old with dependents, the best term insurance plan is one that offers high coverage at a low premium. A pure term plan with a long policy term, annual payment option, and basic riders is usually ideal. Starting early helps lock in lower premiums while ensuring your family stays financially protected. A ₹1 crore term insurance plan is a common benchmark for financial protection. The top term insurance plan should offer affordable premiums, flexible payout options such as lump sum or monthly income, and add-ons like accidental death or critical illness cover. Choosing from well-established insurers ensures smoother claims and long-term reliability. When you compare term insurance with and without medical tests, you should focus on pricing, coverage, and claim reliability. Term plans without medical tests may be quicker to buy but can come with higher premiums or stricter claim checks. Plans with medical tests usually offer better pricing and clearer underwriting. For the best term life policies, compare both options based on your age, health, and coverage needs before deciding. Some of the top term insurance companies in India are known for their consistent claim performance, competitive premiums, and comprehensive coverage options. When selecting from the best term insurance companies in India, compare plan features, riders, and service quality to find the right fit. Some of the most affordable term life insurance options available in India are as follows: HDFC Life Click 2 Protect Elite Plus ICICI Pru iProtect Smart Plus Tata AIA Sampoorna Raksha Promise SBI Life - Smart Shield Premier Bajaj Life eTouch II Plan Here is how you can choose the best term insurance in India: Assess your family’s financial needs Check the CSR and solvency ratio Available rider benefits like critical illness and accidental disability Compare premiums and benefits offered Check your income and find the plan that fits your budget There is no single term insurance plan that offers the highest cover for low premiums, as the sum assured and premiums offered to you depend on your individual profile (age, gender, smoking habits, and health conditions). To get a high cover at lower premiums, you should buy the plan as early as possible, as the premiums increase with age. Individuals working in high-risk professions should look for term insurance plans that offer high coverage, transparent underwriting, and the option to add riders such as accidental death benefit or disability cover. Eligibility, premiums, and coverage terms may vary depending on the nature of the occupation and insurer guidelines. What are the Factors to Consider Before Buying the Best Term Insurance Plan? Below are some of the factors that might affect your premiums and eligibility: Age Your age has a direct impact on your premium. Buying a term plan earlier in your earning years can help you lock in a lower premium compared to purchasing the same cover later. Age Your age has a direct impact on your premium. Buying a term plan earlier in your earning years can help you lock in a lower premium compared to purchasing the same cover later. Income and financial liabilities Your income, outstanding loans, children's education expenses and other long-term financial commitments all play a role in deciding how much sum assured you should opt for. Income and financial liabilities Your income, outstanding loans, children's education expenses and other long-term financial commitments all play a role in deciding how much sum assured you should opt for. Health and lifestyle Your medical history, smoking or tobacco use, and other lifestyle habits can affect both your premium and your eligibility for certain plans. Health and lifestyle Your medical history, smoking or tobacco use, and other lifestyle habits can affect both your premium and your eligibility for certain plans. Sum assured A higher sum assured usually means a higher premium. It helps to choose a cover that's adequate for your family's needs, without paying for more than necessary. Sum assured A higher sum assured usually means a higher premium. It helps to choose a cover that's adequate for your family's needs, without paying for more than necessary. Policy term Ideally, your policy should stay active for as long as your family depends on your income or you carry significant financial responsibilities. Policy term Ideally, your policy should stay active for as long as your family depends on your income or you carry significant financial responsibilities. Customisable options Most of the top term insurance companies in India offer various plans, and you can adjust the features depending on what you actually need. The best term insurance plan with lower premiums usually comes with wider benefits. Some people also consider a home loan insurance cover so their family does not have to worry about EMIs later. Customisable options Most of the top term insurance companies in India offer various plans, and you can adjust the features depending on what you actually need. The best term insurance plan with lower premiums usually comes with wider benefits. Some people also consider a home loan insurance cover so their family does not have to worry about EMIs later. Medical-related cover Various plans now include medical-linked features such as term insurance with OPD care or critical illness benefits. These can ease hospital expenses or treatment costs, which tend to be quite high today. Medical-related cover Various plans now include medical-linked features such as term insurance with OPD care or critical illness benefits. These can ease hospital expenses or treatment costs, which tend to be quite high today. Life Insurer Details Hdfc life Insurance Axis Max Life Insurance SBI Life Insurance ICICI Life Insurance TATA Life Insurance Bajaj Life Insurance Life Insurance Corporation HDFC Life Insurance Policy Details HDFC Life Insurance Customer Care HDFC Life Insurance Login HDFC Life Insurance Calculator HDFC Life Online Payment How to Check HDFC Life Policy Status Claim Settlement Ratio Trend for HDFC Life Axis Max Life Insurance Policy Status Check Axis Max Life Insurance Login Axis Max Life Insurance Customer Care Number Axis Max Life Insurance Calculator Axis Max Life Insurance Online Payment Max Life Claim Settlement Ratio Trend SBI Life Insurance Login SBI Life Insurance Customer Care Number SBI Life Claim Settlement Ratio SBI Life Insurance Calculator SBI Life Insurance Online Payment SBI Life Insurance Policy Status ICICI Prudential Life Login ICICI Prudential Life Insurance Customer Service ICICI Prudential Claim Settlement Ratio ICICI Prudential Online Payment ICICI Prudential Life Insurance Calculator ICICI Prudential Life Insurance Policy Status TATA AIA Life Insurance Policy Details Tata Life Insurance Online Payment TATA AIA Life Insurance Grace Period TATA AIA Life Insurance Payment Receipt Tata AIA Life Insurance Login Customer Portal TATA AIA Life Insurance Premium Calculator TATA AIA Claim Settlement Ratio TATA AIA Life Insurance Policy Status Bajaj Life Insurance Customer Care Bajaj Life Insurance Grace Period Bajaj Life Insurance Payment Receipt Bajaj Life Insurance Login Bajaj Life Premium Calculator Bajaj Life Claim Settlement Ratio Bajaj Life Online Payment Bajaj Life Insurance Policy Status by Policy Number Everything you need to Know About LIC Renewal Process LIC Premium & Maturity Calculator LIC Login LIC Online Premium Payment How to Check LIC Policy Status, Details, Statement via Online/SMS/Call Key Takeaways Before Choosing the Best Term Life Insurance in India Term Plans are more Affordable than Other Types of Life Insurance The Best Term insurance in India will have a much more affordable premium than other types of life insurance. You can buy term insurance at ₹14/day, making it easier to secure your family’s future while also supporting long-term goals like FIRE (Financial Independence, Retire Early). Younger the Age, Lower the Premium Various insurance advisors suggest that you buy term plan in India as early as possible to secure a large life cover at highly affordable premiums. Offers Long Term Protection till 99/100 years With the best term insurance plans, you can get covered under the plan till you turn 99/100 years old and ensure the financial protection of your family. Premiums Remain Constant The premiums once selected remain constant for the entire policy tenure, unless you increase the life stage benefit at marriage, childbirth, or home loan. You can also use a home loan insurance calculator to see the approximate premiums you would need to pay for a new home loan insurance. Save up to 46,800 on Taxes You can claim up to Rs. 46,800 as term insurance tax benefits on the premiums paid under section 80C of the Income Tax Act, 1961. Available for NRI Customers Many top term insurance companies in India offer term insurance for NRI and PIO/OCI customers, which allows them to secure the financial security of their loved ones, without travelling back to India. Comprehensive Protection With the important term insurance riders in India, you can get comprehensive protection against various eventualities. Which is the Best Term Insurance in India for NRIs? For NRIs, choosing the right term insurance means making sure that their families in India stay financially secure, even while they are settled abroad. Indian insurers continue to offer solid protection options that work well for people living outside the country. NRI Term Plans Term Life Insurance for NRI View Plans Term Life Insurance for NRI View Plans Term Life Insurance for NRI View Plans Term Life Insurance for NRI in Kuwait View Plans Term Insurance for NRI in Qatar View Plans Term Insurance for NRI in Canada View Plans Term Insurance for NRI in UAE View Plans Term Insurance for NRI in Singapore View Plans Term Life Insurance for NRI in UK View Plans Term Life Insurance for NRI View Plans List of Term Life Insurance for NRI in USA View Plans Why NRIs in UAE Should Buy Term Insurance Plans from India? View Plans Why Choose Policybazaar for Term Insurance Plan? To buy a good term insurance plan, you should go with Policybazaar for the following reasons: Compare Plans Easily: Easy term life insurance comparison from leading insurers in one place, making it easier to evaluate options side by side. Compare Plans Easily: Easy term life insurance comparison from leading insurers in one place, making it easier to evaluate options side by side. Simple Information: Clear presentation of coverage, premiums, and add-ons so you can make informed decisions. Simple Information: Clear presentation of coverage, premiums, and add-ons so you can make informed decisions. Smooth Buying Process: Minimal paperwork with a largely digital journey for added convenience. Smooth Buying Process: Minimal paperwork with a largely digital journey for added convenience. Easy Policy Access: Access your best term policy details anytime after purchase without hassle. Easy Policy Access: Access your best term policy details anytime after purchase without hassle. Advisor Support: Request a call and get guidance to choose a plan that fits your needs. Advisor Support: Request a call and get guidance to choose a plan that fits your needs. Claims Assistance: Dedicated support to help your family through the claims process without confusion. Claims Assistance: Dedicated support to help your family through the claims process without confusion. Reliable Platform: A practical and dependable place to find and buy the best term insurance plan. Reliable Platform: A practical and dependable place to find and buy the best term insurance plan. Term Insurance vs. Other Life Insurance Plans Term insurance and other life insurance plans, such as endowment or ULIPs, serve different financial purposes. Here's how they compare on the factors that matter most when choosing a policy. Is Term Insurance Worth Buying? For the primary earning member of a family, term insurance is one of the smarter financial decisions you can make, but choosing the best term insurance plan matters just as much as buying one. The right plan offers adequate life cover, a policy term that lasts as long as your responsibilities do, and an insurer with a strong claim settlement record. Get these three right, and you've secured your family's long-term financial future. Best Term Insurance Plan in India- FAQs Is There One "Best" Term Insurance Plan Not really. There is no single best term insurance plan for everyone. The right plan depends on your age, your income, your loans, your health, and what your family will need in the future. A 28-year-old with no kids needs something different from a 45-year-old with a home loan and two kids in school. Both may buy "term insurance," but their needs are not the same. Still, here is a simple starting point. Buy enough cover. Keep the premium at a price you can pay every year without stress. Choose a company with a good history of paying claims. The plan should last as long as your family would need the money. Riders can help too. Add ons like critical illness, accidental death, or disability only if they fit your life. Skip the ones you don't need. Is There One "Best" Term Insurance Plan Buy enough cover. Keep the premium at a price you can pay every year without stress. Choose a company with a good history of paying claims. The plan should last as long as your family would need the money. Riders can help too. Add ons like critical illness, accidental death, or disability only if they fit your life. Skip the ones you don't need. How do I compare term insurance plans across providers like HDFC, LIC, SBI, ICICI, and others using premium calculators? When comparing term insurance plans across providers such as HDFC Life, Life Insurance Corporation of India (LIC), SBI Life Insurance, ICICI Prudential Life Insurance, Max Life Insurance, and Tata AIA Life Insurance, premium calculators are a useful starting point, but they work best when you compare plans using the same assumptions. How do I compare term insurance plans across providers like HDFC, LIC, SBI, ICICI, and others using premium calculators? Which insurance company is best for a term plan? Ans: The insurance company best for a term plan depends on your individual needs. There are many best term life insurance companies, as all insurers offer different benefits for a varying range of individuals. Which insurance company is best for a term plan? Which term insurance gives money back? Ans: Term insurance with return of premium plans gives the money paid throughout the policy term at the end of the tenure. This payout allows you to receive a payout on surviving the policy term, which helps you to take care of your financial needs after the end of the policy. Which term insurance gives money back? What is the age limit when it comes to buying term insurance plan in India? Ans: The age limit for buying term insurance plan in India is between 18 and 65 years. What is the age limit when it comes to buying term insurance plan in India? How much coverage should I take in a term insurance plan? Ans: As per the insurance experts, your term insurance coverage should be at least 15 to 20 times your current annual income. Let’s say if your annual income is Rs. 10 Lakhs per annum, it would be important to buy a term plan of Rs. 2 Crores. How much coverage should I take in a term insurance plan? What are the important documents required to buy term insurance plan in India online? Ans: Listed below are the documents to buy term insurance in India online: Address Proof: Passport, Aadhar Card, etc. Identity Proof: PAN Card, Aadhar Card, Passport, Voter ID, etc. Income Proof: ITR, Computation of Income (COI), Form 25 AS, etc. Age Proof Photograph PAN card What are the important documents required to buy term insurance plan in India online? Is it possible to have multiple term insurance policies? Ans: Yes, an individual may have multiple term insurance policies to ensure the financial safety of the family in case of any unforeseen event. Is it possible to have multiple term insurance policies? How can a young person choose the top 5 term insurance company in India? Ans: Young individuals can choose the top 5 term insurance company in India by comparing the above mentioned plans based on the person’s individual needs and requirements. How can a young person choose the top 5 term insurance company in India? How important is a term insurance plan? Ans: A term insurance plan is important as it provides life cover for the specified period and also safeguards the financial future of the family. In case the policyholder passes away, the nominee will receive the death benefit. Compared to any other life insurance product a term plan is simple, easy to understand, and is available at a cost-effective premium. Buying the best term insurance plan in India is important for those individuals who are the primary and only earning members of the family. How important is a term insurance plan? Is it possible to change the term insurance payment frequency? Ans: Yes you can change the mode of your premium payment depending on your plan and insurer’s policies. Check with the insurance company to change the premium payment frequency. Is it possible to change the term insurance payment frequency? Can I surrender the term insurance policy? Ans: At any point in time, when the liabilities are over, one might choose to surrender the term insurance plan. It is recommended to check the same with the insurance company as well. Can I surrender the term insurance policy? How Does My Term Insurance Plans Premium Change Based on My Geographical Location? Ans: Your geographical location can influence the premium of your term insurance plans because insurers assess risk factors linked to where you live. These may include access to healthcare facilities, environmental conditions, lifestyle trends, and regional mortality statistics. It is worth noting, however, that your geographical location is just a minor contributing factor to how premium is charged on your term insurance plan, and factors such as your age, health, lifestyle, amount insured, and the term of the policy are likely to impact premium in a much larger capacity. How Does My Term Insurance Plans Premium Change Based on My Geographical Location? Do Term plans offer maturity benefits? Ans: No, term insurance plans don’t offer any maturity benefits. However, in the case of the Term Return of premium (TROP), insurers return the total amount of premiums paid by the life assured after the plan gets matured. Do Term plans offer maturity benefits? Can I get tax benefits while buying term insurance plan in India? Ans: Yes, most of the term insurance plans in India offers tax benefits u/s 80C, 80D, and 10(10D) of the Income Tax Act, of 1961. Can I get tax benefits while buying term insurance plan in India? What is the Claim Settlement Ratio of Term Insurance Companies? Ans: The claim settlement ratio of an insurance provider is the number of claims that are settled versus the number of claims filed by its customers or nominees. Ideally, you should opt for a term insurance plan from an insurer with a high CSR, as it can increase the chances of your claim settlement. This way, you will be able to find the best term insurance plan in India for yourself. What is the Claim Settlement Ratio of Term Insurance Companies? As an NRI, can I buy term insurance plan in India? Ans: Yes, NRIs can easily buy the best term insurance plans in India. They can now easily opt for term plans for NRI in India that allow them to schedule a video/tele medical examination from their residential country. Also, an NRI can buy a term plan when he/she visits India. As an NRI, can I buy term insurance plan in India? What are term life insurance premiums? Ans: Term life insurance premiums are your payments to keep your policy active. They depend on factors like age, health, lifestyle, coverage amount, and policy term. Paying the right premium ensures your family gets financial protection in case of an untimely event. What are term life insurance premiums? Which Term Insurance is Best in India 2026? The best term insurance plan in India in 2026 varies based on individual needs, but top choices typically include plans that offer high coverage, flexible payout options, rider benefits, and strong claim support. Some popular and well-rated options include HDFC Click 2 Protect Supreme, Tata AIA Sampoorna Raksha Promise, Axis Max Life Smart Term Plan Plus, Bajaj Life etouch II and more. Each known for comprehensive life cover, affordable premiums, and additional features like critical illness riders and flexible benefits. Which Term Insurance is Best in India 2026? Different types of Plans Did you Find the Content Helpful? If yes, Please rate us. Varun has spent years in the insurance space, but what drives him isn't policies or premiums, it's the conversations he's had with real people. A young father in Pune wondering if his salary is enough. A newly married couple in Jaipur putting off "the insurance talk" for later. A mother in Chennai who never knew her husband was underinsured until it was too late. These stories stay with him. As Head of Term Insurance at Policybazaar, Varun knows the numbers well — 52.4% of Indians are aware of term insurance, yet only 9.6% own it. And 87% of families don't realise they're leaving their loved ones with far less protection than they actually need. But behind every statistic, he sees a family that just needed someone to sit with them, explain it simply, and help them take that one step. That's exactly what Policybazaar's term insurance is built to do. In his words, "Most people aren't avoiding protection — they're just waiting for someone to make it easy. That's what we're here for." Explore the popular searches and stay informed 1 Crore Term Insurance Term Insurance for Women Term Insurance for NRI Term Insurance Calculator Term Insurance with Return of Premium Whole Life Insurance Term Insurance vs Life Insurance What is Term Insurance Life Insurance Calculator 5 Crore Term Insurance 2 Crore Term Insurance Term Insurance for Housewife Benefits of Term Insurance Term Insurance Terminology Medical Tests for Term Insurance Term Insurance for Self Employed Claim Settlement Ratio 10 Crore Term Insurance Term Insurance for Smokers 1.5 Crore Term Insurance Zero Cost Term Insurance Insurance Advisor Home Loan Insurance Home Loan Insurance Calculator FIRE Calculator ˜ The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in +On the basis of your profile +Rs. 410/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10 +Rs. 410/month (Rs.14/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age rounded off to nearest 10 +Rs. 245 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age. +Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10 +Rs. 15/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10 +Rs. 504/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age. +Rs. 494/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age. +Rs. 636/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age. +Rs. 918/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age. +Rs. 1,286/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age. +Rs. 453/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age. +Rs.582/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age. +Rs. 786/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age. +Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age. +Rs. 1,592/month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age. +Rs. 525/month is the starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 68 years of age. +Rs. 668/month is starting price for a 2 crore term life insurance for an 25 year-old male, non-smoker, with no pre-existing diseases, cover upto 45 years of age. +Rs. 1,200/month is starting price for a 2 crore term life insurance for an 35 year-old male, non-smoker, with no pre-existing diseases, cover upto 55 years of age. +Rs. 410/month is starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age. +Rs. 577/month is starting price for a 1 crore term life insurance for an 18 year-old Male, self employed, non-smoker, with no pre-existing diseases, cover upto 30 years of age. *The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy. +Rs. ₹361/month is the starting price for a ₹1 crore loan cover with an 8% interest rate for an 18-year-old male, non-smoker, with no pre-existing diseases, loan tenure up to 20 years, rounded off to the nearest 10 Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881 For more details on risk factors, terms and conditions , please read the sales brochure carefully before concluding a sale Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027 , License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers. © Copyright 2008-2026 policybazaar.com . All Rights Reserved ˜ Policybazaar Promise reflects the guarantee offered by insurers. Price assurance is based on certifications shared by insurers with us. Choose Term Insurance Plan as per you need Term Insurance Articles Popular Articles ICICI Pru iProtect Smart Her Term Plan ICICI Pru iProtect Smart Her is a term insurance variant offered Canara HSBC Life Insurance Promise2Secure Canara HSBC Life Insurance Promise2Secure is a non-linked NRI Home Loan Interest Rates 2026 NRI home loan interest rates in India currently range from 8.40% ICICI Pru iProtect Care ICICI Pru iProtect Care is a comprehensive term insurance plan Tata AIA Life Insurance Launches Student-Focused... Tata AIA Life Insurance has launched a student-focused term Calculate Term Insurance Premium Online in India... Term Insurance Calculator Term insurance is a free online tool that helps you estimate your term insurance premium Home Loan Insurance Calculator: Estimate Your... A home loan insurance calculator, also called a mortgage loan insurance calculator, is an easy-to-use online tool Buy Best ₹1 Cr Term Insurance Plan Online A ₹1 Crore term insurance plan provides a high life cover at a highly affordable premium. If the policyholder Claim Settlement Ratio of Term Insurance Plan... Term Life Insurance Claim Settlement Ratio (CSR) is an important parameter to be considered when choosing a term General Insurance Car Insurance Bike insurance Motor Insurance Third Party Car Insurance Third Party Bike Insurance Travel Insurance Commercial Vehicle Insurance Motor Insurance Third Party Car Insurance Third Party Bike Insurance Travel Insurance Commercial Vehicle Insurance Life Insurance Life Insurance Life Insurance Calculator Life Insurance Companies Life Insurance for Parents Whole Life Insurance Life Insurance for NRI Income Replacement Life Insurance Calculator Life Insurance Companies Life Insurance for Parents Whole Life Insurance Life Insurance for NRI Income Replacement Term Insurance Term Insurance Best Term Insurance Plan Term Insurance for NRI Best Term Insurance Plan for 1 Crore Term Insurance for HNI Term Insurance with Return of Premium Term Insurance for Women What is Term Insurance Term Life Insurance Benefits Insights Best Term Insurance Plan Term Insurance for NRI Best Term Insurance Plan for 1 Crore Term Insurance for HNI Term Insurance with Return of Premium Term Insurance for Women What is Term Insurance Term Life Insurance Benefits Investment Investment Plans Investment Plans for NRIs Child Plans Gift City Investment Pension Plans ULIP Plans Best SIP Plans Money Back Policy Endowment Policy Guaranteed Return Plans LIC Tax Saving Plans Saving Plan Investment Plans Investment Plans for NRIs Gift City Investment Money Back Policy Endowment Policy Guaranteed Return Plans Tax Saving Plans Health Insurance Health Insurance Health Insurance for Family Senior Citizen Health Insurance Health Insurance for Parents Best Health Insurance Plans Maternity Insurance Mediclaim Policy Critical Illness Insurance Health Insurance Health Insurance for Family Senior Citizen Health Insurance Health Insurance for Parents Best Health Insurance Plans Maternity Insurance Mediclaim Policy Critical Illness Insurance Other Insurance Home Insurance Group Insurance Group Health Insurance Marine Insurance Cargo Insurance Fire Insurance Shopkeepers Insurance Office Insurance Professional Indemnity Insurance Doctors Indemnity Insurance Workmen Compensation Policy Comprehensive General Liability Cybersecurity Insurance Directors & Officers Liability Insurance Contractors All Risk Insurance Surety Bond Contractors Plant and Machinery Insurance Erection All Risk Insurance Business Insurance Cancer Insurance Home Loan Insurance Home Loan Emi Calculator Group Insurance Group Health Insurance Marine Insurance Cargo Insurance Shopkeepers Insurance Office Insurance Professional Indemnity Insurance Doctors Indemnity Insurance Workmen Compensation Policy Comprehensive General Liability Cybersecurity Insurance Directors & Officers Liability Insurance Contractors All Risk Insurance Contractors Plant and Machinery Insurance Erection All Risk Insurance Business Insurance Cancer Insurance Home Loan Insurance Home Loan Emi Calculator Investment Calculators SIP Calculator NPS Calculator Compound Interest Calculator Compound Interest Calculator Fitness Calculators BMI Calculator Ideal Weight Calculator Calorie Calculator BMR Calculator Body Fat Calculator Ovulation Calculator Pregnancy Calculator Pregnancy Conception Calculator Pregnancy Weight Gain Calculator Due Date Calculator Macro Calculator Ideal Weight Calculator Calorie Calculator Body Fat Calculator Ovulation Calculator Pregnancy Calculator Pregnancy Conception Calculator Pregnancy Weight Gain Calculator Due Date Calculator Macro Calculator Income Tax Calculator Term Insurance Calculator Life Insurance Calculator Health Insurance Calculator Travel Insurance Calculator Car Insurance Calculator Bike Insurance Calculator Customer reviews Insurance companies Consumer Insights Legal & Admin policies Verify your advisor Investor Relations Payment Methods Policybazaar Insurance Brokers Private Limited CIN: U74999HR2014PTC053454 Registered Office - Plot No.119, Sector - 44, Gurugram - 122001, Haryana Tel no. : 0124-4218302 Email ID: care@policybazaar.com Policybazaar is registered as a Composite Broker | Registration No. 742, Registration Code No. IRDA/ DB 797/ 19, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers.Product information is authentic and solely based on the information received from the insurers. BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint. © Copyright 2008-2026 policybazaar.com. All Rights Reserved.