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Term Life Insurance

Pure protection life insurance, high sum assured, low premium, paid to your nominee in the event of your death during the policy term. The most cost-efficient mechanism for replacing your income and protecting your family's financial position. We calculate the right cover amount, select the right insurer and manage the underwriting process.

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Coverage at a Glance
Death Benefit

Lump-sum payout to nominee on death from any cause

Critical Illness Rider

Optional early payout on diagnosis of specified conditions

Disability Waiver

Premiums waived on permanent total disability

Increasing Cover

Annual sum assured increase to track inflation

High CoverLow Premium
Critical IllnessRider Available
Claim SettlementRatio Verified
IRDAICompliant
Coverage

What Your Policy Covers

A structured placement designed to close every material gap in your risk exposure, not a standard policy sold off the shelf.

Death Benefit, All Causes
The sum assured is paid to the nominated beneficiary upon the policyholder's death from any cause, natural illness, accident or otherwise, during the policy term. There is no maturity benefit; this is pure risk cover.
Accidental Death Benefit
Many plans provide an additional sum assured specifically for accidental death, effectively doubling the benefit where death results from an accident. This rider is available at a modest additional premium.
Critical Illness Rider
An optional rider paying a lump sum on the first diagnosis of a specified critical illness, typically covering 36 to 64 conditions, enabling the policyholder to receive funds while still alive to manage treatment and income replacement.
Permanent Disability Waiver
If the policyholder suffers permanent total disability, future premiums are waived and the policy continues in full force, providing continued protection without further financial obligation.
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Joint Life Option
Selected term plans offer joint life cover for both partners under a single policy, with the sum assured payable on the first death, a cost-efficient structure for couples with shared financial commitments.
Increasing Cover Option
An annually escalating sum assured, typically increasing at a fixed percentage, that preserves the real value of the cover against the eroding effect of inflation, without requiring fresh medical underwriting.
Life Risk AdvisorsLife Risk Advisors
Our Approach

The Right Amount of Cover Is as Important as Having Cover at All

A ₹1 crore policy bought at age 28 is often inadequate at 38, when income has grown, a home loan has been taken and children's education costs loom. Most individuals need significantly more cover than they carry, and the cost of increasing it is lowest when you are young and healthy.

We calculate your Human Life Value, the present value of your remaining working life income, adjusted for your family's consumption and existing assets, to arrive at a specific sum assured recommendation rather than a round-number estimate.
We compare claim settlement ratios, financial strength ratings and policy wording across life insurers. A policy from an insurer with a below-average CSR is worth less than its stated cover.
At each major life event, home purchase, child's birth, salary increase, we review your cover position and recommend adjustments before the cost of additional cover rises with age.
Who Needs This

Who Carries This Risk

If your situation matches those described below, this cover belongs in your financial plan.

01
Primary Earners with Dependants
Anyone whose death would leave a spouse, children or elderly parents without sufficient income requires term cover sized to their dependants' actual financial needs.
02
Home Loan Borrowers
An outstanding mortgage creates a liability that survives the borrower. Term cover matching the loan balance ensures the family retains the property rather than inheriting the debt.
03
Business Owners with Personal Guarantees
Business loans secured on personal guarantees create a direct family liability on the owner's death. Term cover should reflect both personal and guaranteed business debt.
04
Young Professionals
Buying term cover at 25-30 locks in the lowest available premiums for the longest available term. Every year of delay increases the cost of equivalent cover.
05
Self-Employed Individuals
Without employer-provided group life cover, self-employed individuals carry the full mortality risk personally, term insurance is the most direct and affordable solution.
06
Individuals with Significant Debt
Personal loans, vehicle loans and credit card balances create liabilities that do not disappear on death and can become a burden for surviving family members.
How We Work

From Brief to Bound Cover

Three steps from your first conversation to a policy that is correctly structured and priced.

01
Cover Calculation
We calculate your Human Life Value using your current income, outstanding liabilities, dependants' anticipated expenses and existing financial assets, producing a specific sum assured recommendation.
02
Plan Selection
We compare plans across life insurers on claim settlement ratio, critical illness rider scope, disability waiver conditions and financial strength, recommending the plan that balances cover breadth with insurer quality.
03
Application & Underwriting Support
We assist with the proposal form, co-ordinate medical examinations, respond to underwriter queries and review the issued policy document before you sign, ensuring you receive what was offered.
Key Benefits

Why Clients Place This Cover Through Us

Human Life Value Methodology
We calculate the correct sum assured using your specific financial profile, not a generic income multiple. The difference between adequate and inadequate cover is typically the difference between a specific calculation and a round-number guess.
Claim Settlement Ratio Analysis
We select from insurers with consistently high and improving claim settlement ratios. A policy from an insurer with a low CSR is a financial commitment to an uncertain outcome.
Rider Structuring
We build the right rider combination, critical illness, accidental death benefit, disability waiver, to make your term plan a comprehensive protection instrument without unnecessary premium loading.
Annual Portfolio Review
We review your life cover position annually and at every major life event, ensuring the sum assured keeps pace with income growth, new liabilities and changing family circumstances.
FAQ

Common Questions

Term insurance is pure protection, you pay a premium for a fixed term and your nominee receives the sum assured only on your death. There is no maturity benefit if you survive. Endowment plans combine insurance with savings and pay a maturity benefit regardless. Term insurance delivers far higher cover for the same premium and is the appropriate product for financial protection.
The sum assured should cover the replacement of your income for the period your dependants need it, all outstanding liabilities, your children's education and major life event costs, and your spouse's retirement provision, net of existing assets. We calculate this specifically for your situation rather than applying a generic income multiple.
IRDAI regulations provide that life insurers may exclude death by suicide within the first year of the policy. After the first year, the death benefit is payable on suicide under standard IRDAI guidelines. Policy terms should be verified at the time of purchase, as wording can vary.
Yes. Most Indian life insurers accept NRI proposals. The sum assured is payable in India and the claim is filed by the nominee in India. Specific documentation, passport, NRI bank account details, proof of overseas address, is required at the proposal stage.
Term insurance does not accumulate a cash value. If a premium is missed, a grace period of 30 days is available for payment. If the premium is not paid within the grace period, the policy lapses and cover ceases. Reinstatement is possible within a prescribed period on payment of arrears and evidence of continued insurability.

Life cover that reflects your actual financial obligations, not a number picked from the air.

Most families are significantly under-insured against income loss. Speak to us about calculating and placing the right cover.

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Other Covers to Consider

Health Insurance
Cashless hospitalisation and medical cover, the companion protection to term life for complete financial security.
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Personal Accident
24/7 accidental death and disability cover, a cost-effective complement to term life, particularly for those with high-risk occupations or frequent travel.
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Critical Illness
Lump-sum cover on diagnosis of cancer, heart attack, stroke and other critical conditions, extending protection to living illness events that term life does not cover.
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