🎯
Term Plan
Pure protection · Lowest premium · Large cover
♾️
Whole Life
Lifetime cover + maturity benefit
📈
ULIP
Insurance + investment + market returns
🏦
Endowment
Guaranteed savings + life cover
💰
Money Back
Regular payouts every 5 years
🌅
Retirement / Annuity
Pension plan · Post-retirement income
Age (Current)
Select Your Age
18–20 years
21–25 years
26–30 years
31–35 years
36–40 years
41–45 years
46–50 years
51–55 years
56–60 years
61–65 years
Annual Income
Under ₹3 Lakh/year
₹3–5 Lakh/year
₹5–10 Lakh/year
₹10–20 Lakh/year
₹20–50 Lakh/year
₹50 Lakh+/year
💡 Recommended cover = 10–15× your annual income.
Gender
Females get 5–10% lower premiums on average.
Do You Smoke / Consume Tobacco?
Non-smoker rates apply.
03
Sum Assured (Life Cover)
₹50 Cr+
Corporate / Key Man
Policy Duration
10 years
15 years
20 years
25 years
30 years
35 years
Till age 75
Whole Life / 99 years
Premium Payment
Annual (Best value)
Half-Yearly (+2%)
Quarterly (+3%)
Monthly (+4%) — ECS/Auto-pay
Single Pay (One-time)
Accidental Death Benefit Rider
Extra payout on accidental death
~₹800–₹1,500/yr
Waiver of Premium Rider
Premiums waived on disability
~₹600–₹1,000/yr
Critical Illness Rider
Lump sum on 40+ critical illnesses
~₹2,500–₹5,000/yr
Income Benefit Rider
Monthly income to family on death
~₹1,200–₹2,500/yr
Disability Income Rider
Monthly income on permanent disability
~₹700–₹1,400/yr
Surgical Care Rider
Hospitalisation & surgical expenses
~₹500–₹1,200/yr
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✦ Calculate My Life Cover Premium ✦
Indicative Premium
—
per year · incl. GST
⚠️ The premium displayed is indicative and subject to change based on insurer underwriting, your health profile, occupation, habits, and applicable terms and conditions. Final premium is confirmed only at policy issuance after medical underwriting.
⚠️ Disclaimer: The premium displayed is indicative and subject to change based on insurer underwriting, health profile, occupation, lifestyle habits, and applicable terms and conditions. Life insurance premiums are not regulated at fixed rates — they vary by insurer, age, plan type, medical history, and are subject to GST @ 4.5% (first year) and 2.25% (renewal) for traditional plans, and 18% for ULIP/term riders. Final premium is confirmed only after medical underwriting at policy issuance. Please read all policy documents and terms carefully before purchase. Insurance is the subject matter of solicitation.
