Create a Safety Net
for Your Loved Ones’ Future

Many people aim for coverage that is around 10–15 times their annual income. However, your ideal cover depends on your loans, monthly expenses, dependents, and long-term goals. Our team can help you work out a suitable amount based on your current and future financial responsibilities.

In a standard term plan, there is typically no payout if you survive till the end of the term. However, with our Term Shield Premier plan’s Return of Premium feature, you can receive back all the premiums you have paid if you outlive the policy period.

Yes, you can enhance your cover by adding riders like Critical Illness Cover, Accidental Death Benefit, Disability Benefit, and Premium Waiver. These optional add-ons provide extra protection at a relatively small additional cost.

You’ll generally need identity proof (such as Aadhaar, PAN, or Voter ID), proof of address, proof of age, and income documents. Depending on your age and the cover amount, a medical check-up report may also be required. Large sum assured policies may call for a few additional documents.

Common exclusions include death due to suicide within the initial waiting period, death linked to undisclosed pre-existing medical issues, and death arising from risky activities that were not declared at the time of purchase. It is important to share complete and honest information when applying for the policy.