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IndiaFirst's Online Term Plan is a term insurance plan which can be directly purchased online.
This term plan is aimed at helping you ensure your financial security for an affordable price in the face of an unforeseen event. As our lives get busier, we at IndiaFirst want to make it easier and more convenient for you to secure the financial protection of your loved ones. With our Online Term Insurance, you can buy term life insurance instantly with the click of a button. Our affordably-priced term insurance plans can be tailored to suit your specific requirements.
The online term insurance policy will provide you and your family with financial support in the face of unfortunate events like Accidental Total Permanent Disability (ATPD), Critical Illness (CI) , and Death and Accidental Death (ADB). Our Online Term Plan offers you a choice of 8 different coverage options.
The term policy covers uncertainties like
Our term policy also offers high flexibility as you can choose to pay your premium via several modes like monthly, half yearly, yearly, or even a single premium as well as choose to receive the benefits as a lump sum or as level incomes.
The option to increase your Sum Assured is offered only under select coverage options (Life Benefit, Income Benefit, Income Plus Benefit, and Accident Shield Benefit). Choosing from our many coverage options, is one step closer to ensuring a financially secure future for both you and your family. Buy Term Insurance online to ensure a secure and happy future.
IndiaFirst's Online Term Plan insurance secures your family's financial future and also has several term insurance benefits. Buy Term Plan online to enjoy the below benefits:
IndiaFirst Online Term Plan is a term insurance plan which offers financial protection for your family with several customizable coverage options and features to suit your specific requirements. Buy Term Insurance online and get access to the below features:
Want to enhance your Sum Assured? Online Term Plan provides you with the flexibility to do so on life stages like Marriage, taking a Home Loan, Child Birth (in selected coverage options). This enhanced Sum Assured would be available on payment of additional premium.
IndiaFirst's Online Term Plan helps you to secure your financial future in the face of unfortunate and unforeseen events.
Choose from various coverage options like:
Life Benefit Option
Disability Shield Option
Accidental ShieldBenefit Option
Income PlusBenefit Option
Income ReplacmentBenefit Option
Critical IllnessProtector Option
At IndiaFirst, we offer the best-in-class after-sales service to all our customers. We are happy to serve you!
You can buy Term Plan online and choose a premium payment option that suits your cash flow and your requirements.
We are always happy to help and serve you at your convenience with any queries that you may have regarding your Online Term Insurance.
Buy Term Insurance and make sure your family is financially secure and has a high standard of living even in your absence.
Our Online Term Plan can be tailored to suit the unique financial needs of your family. We understand that every household is different.
Buy Term Plan online and you can enjoy tax benefits and exemptions on payment of your policy premium under Section 80C and Section 10D of the Income Tax Act.
Our online term insurance is specially designed to help you meet your unique financial life goals.
Your customer service is very good, I had a very different experience with your executive. I didn't know anything about IndiaFirst Life, but a company's perception made out of the employees. I will invest my money in a company that is supportive and I see that in your customer service. Sandhya spoke to me with respect, she showed commitment towards me and solved my queries by arranging a callback. Your organization deserves a 10 out of 10 on Customer Satisfaction. No company earns recognition by turnover but by Customer Satisfaction.
When you set out to buy an term insurance cover, you will have to deal with several variables: age, health, tenure, benefits you want at maturity, and so on.
The term insurance plan is typically a simple life cover for a certain sum termed as sum assured offered for a specified period called policy term
To achieve financial stability, insurance protection plans are also important along with personal savings. Here are 5 reasons why insurance is important.
Term insurance is normally associated with large loans in India. It's natural that you may have several queries if you are considering purchasing a term plan....
Term Insurance Plan is a form of life insurance which provides coverage for a defined period of time. If the insured individual dies during the policy term, the death benefit is payable to the nominees of the term policy. Term Insurance Plans are designed to protect your family financially in case of death or other uncertainties. The Online Term Plan is a highly flexible policy which provides financial support for you and your family in case of Accidental Total Permanent Disability (ATPD), Critical Illness (CI), and Death and Accidental Death (ADB).
Term Insurance Plans are very simple and convenient. Once you buy Term Plan online and pay the premium, you are covered for the term you have chosen.
Term Insurance Plans have a highly competitive market making them easily comparable with each other on the basis of their prices. With our Online Term Plan, you can pay the premium either in a single go or monthly, quarterly, half-yearly, or on an annual basis. It is very flexible and affordable to buy Term Plan online.
Under Section 80C, the premium paid is eligible for tax exemption as per the Income Tax Act 1961. According to the prevailing tax laws, even death benefits are exempted from taxation as per Section 10 (10D). Buy Term Insurance online for both financial protection as well as tax benefits!
To help you figure out the suitable cover amount, let us assume that the cover amount should be 10 times your annual income. Multiplying the annual income by 10 is appropriate considering inflation and loss of income. If you are 30 years old and your annual income is INR 7 lakhs, your chosen Sum Assured should be INR 70 lakhs. The Sum Assured should also depend on other factors such as if you marry early or late, or when you have children. You should prepare a list of all your assets and liabilities, future goals etc., and finalize on an amount that you believe would work for you.
Your online Term Insurance policy must cover you till the age you wish to work. You must take into consideration the age at which you wish to retire. Ideally, you can take the difference between your assumed retirement age and your current age as your policy tenure.
Since inflation causes a rise in prices, the purchasing power of your money today would reduce later on. Hence, a periodic increase in your Sum Assured would help assure you even against inflation.
The documents which are accepted as standard income proof to buy term insurance online are:
The following documents are accepted as proof of address to buy Online Term Plan:
The following documents are accepted as ID proof:
The following documents are accepted as proof of age to buy Term Plan online:
The Sum Assured in any term insurance plan is the amount that the insurer agrees to pay the insured upon the occurrence of a stated contingency. While signing the life insurance contract, the insurer and the buyer agree on a certain amount that would be payable after the death of the insured to the nominee or the beneficiary. This amount is called the Sum Assured and is flexible in our Online Term Plan.
In a term insurance plan, a premium paying term is the period for which the buyer is committed to pay towards his/her insurance cover. In our Online Term Plan, we also have a grace period which is the time given for paying the premium from the premium due date during which the policy is supposed to be in force with the risk cover.
About Single and Regular Premium Term Insurance Plan: In the Single Premium Option, you get to pay a lump sum for your term plan. In the Regular Premium Option, you can pay the premiums periodically i.e. monthly, quarterly, half yearly, or yearly
Yes, the Online Term Plan can be bought by NRIs from standard countries. If applicable, medical tests will be conducted in India.
The coverage that you buy should be enough to pay all your debts and loans as well as replace your income, especially if you are the sole breadwinner of your family. Adding your annual income to your term plan would serve as an effective safeguard against inflation. Also bear in mind your future obligations such as your spouse's health and your children's education.
Although there is no right age to buy a term insurance plan, you need to be at least 18 years old. It is wise to start preparing early. If you have a steady flow of income which allows you to pay your premiums on time, you are ready to invest in your future. Moreover, if you're already married, have children, or have parents who are dependent on you, you should definitely consider buying a term insurance plan. As you get older, the premium payable also increases.
It is advisable to buy the maximum term available under the term plan in order to ensure maximum financial security for your loved ones.
The Online Term Plan is purely a protection plan. There is no maturity benefit or payout at the end of the policy term in case of survival of the buyer.
Your Online Term Plan premium amount shall remain the same during the entire duration of the term plan, subject only to service tax regulations as determined by the Government of India.
Yes. Even if you smoke occasionally, you must declare yourself as a tobacco user. When you buy term plan online, complete and accurate medical history is necessary to determine the right premium for your term insurance plan.
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