Life cover that looks after your family.
Compare term and group life plans from our partner insurers. A real advisor helps you choose the right cover, and supports your family at claim time.
- IRDAI Licence No. 1135Direct Broker (Life & General)
- [X]+ partner insurersCompare plans side by side
- Claim help from a real personWe help your family file the claim
- Talk to an advisorCall +91 84700 67555
What is life insurance?
Life insurance pays a sum of money to your nominee if you pass away during the policy term. It helps your family keep up with living costs, loans and goals.
Term insurance is the simplest kind: pure life cover for a fixed period, usually at a lower premium than plans with a savings element.
Find the right planPopular life plans from our partners
HDFC Life[PLAN NAME]- Cover amount
- [₹X L – ₹Y Cr]
- Entry age
- [X–Y yrs]
- Policy term
- [X–Y yrs]
- Claim settlement
- [CSR %]
SBI Life[PLAN NAME]- Cover amount
- [₹X L – ₹Y Cr]
- Entry age
- [X–Y yrs]
- Policy term
- [X–Y yrs]
- Claim settlement
- [CSR %]
ICICI Prudential Life[PLAN NAME]- Cover amount
- [₹X L – ₹Y Cr]
- Entry age
- [X–Y yrs]
- Policy term
- [X–Y yrs]
- Claim settlement
- [CSR %]
Axis Max Life[PLAN NAME]- Cover amount
- [₹X L – ₹Y Cr]
- Entry age
- [X–Y yrs]
- Policy term
- [X–Y yrs]
- Claim settlement
- [CSR %]
All figures are placeholders until confirmed with each insurer. Premiums depend on age, cover amount, policy term, health and lifestyle. Insurance is the subject matter of solicitation.
What's covered, and what isn't
Cover varies by plan. Always check the policy wording before you buy.
Usually covered
Up to your sum assured, subject to policy terms- Death during the termLump sum or income to your nominee
- Terminal illnessEarly payout in some plans
- Accidental deathExtra payout with a rider
- Critical illnessLump sum with a rider
- DisabilityPremium waiver or payout with a rider
- Premium returnWith return of premium plans
Usually not covered
Common exclusions across most plans- Suicide in the early periodWithin the period set in the policy
- Non-disclosureWrong or hidden health facts
- Hazardous activitiesUnless declared and accepted
- IntoxicationDeath under alcohol or drugs, in many plans
- Lapsed policyPremiums unpaid after the grace period
- Riders not boughtBenefits you did not add
Get covered in four steps
- 1Tell us about youAdd your age, income and whether you smoke.
- 2Compare plansSee cover amount, term, riders and premium together.
- 3Share details & KYCAdd the details the insurer needs and complete KYC with your PAN.
- 4Get your policyYour advisor helps you finish, and the policy reaches your email.
How to make a claim
We help your family with every step, from the first call to settlement.
Death claim
The insurer pays the sum assured to the nominee- 1The nominee tells the insurer, or us, about the claim
- 2Submit the claim form, death certificate and policy details
- 3Add the nominee's KYC and bank details; we check the documents
- 4The insurer reviews the claim and pays the nominee
Rider claim
For critical illness, disability or other riders- 1Tell the insurer as soon as the event happens
- 2Submit medical reports and the claim form
- 3The insurer assesses the claim under the rider terms
- 4The approved benefit is paid, or premiums are waived
How much life cover do you need?
Estimate a cover amount from your income, expenses and loans.
Try the calculatorSave tax under Section 80C
Premiums you pay for life insurance may qualify for a deduction of up to [₹ LIMIT] under Section 80C of the Income Tax Act, 1961.
Tax benefits depend on your tax regime and are subject to changes in tax laws. Please consult your tax advisor.
Compare life plans from our partner insurers
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Life insurance FAQs
How much life cover do I need?
Enough to replace your income for the years your family depends on it, clear your loans and fund goals such as your children's education. Our HLV calculator and an advisor can help you work out a figure.
What is the difference between term and return of premium plans?
A term plan pays only if you pass away during the term. A return of premium plan also refunds the premiums you paid if you outlive the term, but it costs more.
Can I change my nominee?
Yes. You can usually change or add nominees during the policy term by sending a request to the insurer.
What happens if I miss a premium?
Policies give a grace period after the due date. If you don't pay within it, the policy may lapse, and you may need to revive it on the insurer's conditions.
Do I need a medical test?
It depends on your age, cover amount and health. Many insurers ask for a medical check-up or reports before issuing higher covers.
Do I get a tax benefit on my premium?
Premiums may qualify for a deduction under Section 80C of the Income Tax Act, up to [₹ LIMIT], as per applicable tax laws. Please check with your tax advisor.