Term Life Insurance for Your Family’s Future
High life cover at a low premium, with options for critical illness, accidental death and return of premium.
Top Life Insurance Plans
Compare popular plans from our partner insurers.
| Insurer & plan | Life cover | Premium* | Claim ratio | Highlight | |
|---|---|---|---|---|---|
| NLNavjeevan iProtect TermNavjeevan Life | ₹1 crore | ₹11,940 | 99.4% | Critical illness rider | Buy |
| DLDhruv Smart TermDhruv Life | ₹1 crore | ₹11,280 | 99.1% | Return of premium option | Buy |
| NLNavjeevan Life SecureNavjeevan Life | ₹1 crore | ₹12,560 | 99.4% | Whole life to 99 | Buy |
| DLDhruv Saral JeevanDhruv Life | ₹50 lakh | ₹6,420 | 99.1% | Simple, standard term | Buy |
*Male, 30 yrs, non-smoker · 30-year term · annual premium incl. GST. Insurer names are illustrative partners.
Illustrative estimate. The final premium is set by the insurer after underwriting.
Cover at a Glance
Typical inclusions and exclusions — always check the policy wording.
What’s covered
- Death due to any cause
- Terminal illness benefit
- Accidental death rider
- Critical illness rider
- Waiver of premium on disability
- Monthly income payout option
- Spouse cover option
- Tax benefit u/s 80C & 10(10D)
What’s not covered
- Suicide within the first 12 months
- Death from hazardous activity not declared
- Non-disclosure of medical history
- Death under influence of alcohol or drugs
- Participation in criminal acts
- Lapsed policy (premium unpaid)
Questions before you buy
Still unsure which plan fits? Our advisors compare options for you, free of charge.
Talk to an AdvisorHow much life cover do I need?
A common rule is 10–15 times your annual income, plus outstanding loans, minus existing savings and investments.
Can I increase cover later?
Many plans offer life-stage benefits that let you raise cover on marriage, childbirth or a home loan without new medicals.
What happens if I miss a premium?
You get a grace period of 15–30 days. If unpaid, the policy lapses but can usually be revived within two years.