1 Crore Term Insurance

Get Rs. 1 crore term insurance starting at Rs. 14/day* for a 30-year policy. Secure your family with high life cover, tax savings under Section 80C, critical illness riders, and flexible payout options. Compare and buy online in minutes.
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24-July-2025

A 1 crore term insurance plan gives you the confidence that, no matter what happens, your loved ones will have a strong financial cushion to rely on. It’s a simple, powerful way to protect their lifestyle, future goals, and everyday needs.


 

Among all protection options, 1 crore term insurance stands out as a practical and reliable choice. It offers substantial coverage at an affordable cost, ensuring your family can manage expenses, repay loans, and stay financially secure even in your absence. Let’s take a closer look at why a 1 crore term plan could be the right safety net for your family’s future.


 

What is a 1 crore term insurance?


 

A 1 crore term insurance plan is a pure life insurance policy that provides a Rs. 1 crore death cover to the nominee if the policyholder passes away during the policy term. It is designed to offer high financial protection for your family at an affordable premium.
 

In this plan, the policyholder pays fixed premiums to the insurance company for a chosen period or throughout the policy term. In return, the insurer provides life coverage for the selected tenure. If the insured person dies during the policy term, the insurer pays the Rs. 1 crore sum assured to the nominee, helping the family manage expenses, repay liabilities, or maintain their lifestyle. If the policyholder survives the term, the coverage simply ends unless the plan includes additional benefits such as return of premium.


 

How does a 1 crore term insurance plan work?


 

A 1 crore term insurance plan functions like any other term insurance policy. The policyholder pays a premium to the insurance provider, and in return, they provide coverage for the specified sum assured (1 crore rupees in this case) for a predetermined period (the policy term). In the event of the insured’s demise during the policy term, the nominee receives the sum assured amount, providing financial security to their family.


 

Example:


 

Let’s say Mr. Rajesh, a 30-year-old working professional, buys a Rs. 1 crore term insurance policy for a period of 30 years. He pays an annual premium of around Rs. 12,000. Unfortunately, if Rajesh passes away in the 20th year of the policy, his nominee (say, his wife) will receive the entire Rs. 1 crore sum assured. This money can be used to pay off any loans, cover household expenses, fund children's education, or maintain their lifestyle in Rajesh’s absence.
 

1. Selecting the plan and life coverage (sum assured):


  • Sum assured: The sum assured is the coverage amount chosen by the policyholder. In this case, it is Rs. 1 crore. This amount is paid to the nominee if the insured passes away during the policy term.
  • Policy term: The policy term refers to the duration for which the life insurance coverage remains active. Policyholders can usually choose a term such as 20, 30, or even 40 years depending on their financial responsibilities.
  • Premium paying term: This indicates the duration for which premiums must be paid. Some plans allow payment throughout the policy term, while others offer limited premium payment options over a shorter period.
  • Premium calculation: The premium amount is determined based on factors such as age, health condition, lifestyle habits, occupation, coverage amount, and policy duration. Younger and healthier individuals generally receive lower premium rates.
  • Adding riders: Policyholders can enhance their coverage by adding optional riders such as critical illness cover, accidental death cover, or waiver of premium. These riders provide additional protection for specific risks.
  • Nominee: A nominee is the person chosen by the policyholder to receive the insurance payout. This ensures the death benefit is directly transferred to the intended family member or dependent.


 

2. Application form and underwriting process


  • Application form: The policyholder fills out an application form with personal details such as age, income, health history, occupation, and lifestyle habits to help the insurer evaluate the insurance request.
  • Medical tests: Depending on the applicant’s age and coverage amount, the insurer may require medical examinations. These tests help assess the individual’s health condition and determine the level of insurance risk.
  • Underwriting: Underwriting is the process where the insurer reviews the applicant’s information, medical reports, and risk profile to decide the premium amount, coverage approval, and policy conditions.

3. Issuance and premium payment:


  • Policy issuance: Once the insurer approves the application and the first premium is paid, the insurance company issues the policy document confirming the coverage details and policy terms.
  • Free-look period: Most life insurance policies provide a free-look period (usually 15–30 days) during which the policyholder can review the policy terms and cancel it if they are not satisfied.
  • Premium payment: The policyholder must pay premiums regularly according to the chosen payment frequency, such as monthly, quarterly, or annually, to ensure the policy remains active throughout the coverage period.

4. Payout of the sum assured:
 

  • Death cover: If the insured person passes away during the policy term, the insurer pays the Rs. 1 crore sum assured to the nominee, helping the family manage financial responsibilities.
  • Survival benefit: Most pure term insurance plans do not provide survival benefits. However, some variants with return of premium may refund the premiums paid if the policyholder survives the policy term.
  • Rider payout: If optional riders are included in the policy and the covered event occurs, the insurer provides additional payouts as per the rider terms, offering extra financial protection beyond the basic coverage.


 

This simple yet powerful example shows how a term plan can offer peace of mind and strong financial security to your loved ones.

Term Insurance—high coverage at affordable premiums! Secure financial stability, tax benefits, and peace of mind. Your loved ones deserve lifelong security. Get a quote now and stay worry-free!
 

Why do you need a 1-crore term insurance plan?


Opting for a 1-crore term plan is a prudent decision, especially if you are the primary breadwinner of your family or have significant financial responsibilities. It ensures that your loved ones are adequately protected from the financial hardships that may arise due to unforeseen circumstances.

Following are a few compelling reasons why purchasing a 1 crore term insurance plan is a wise decision:


  • Comprehensive financial protection: With a 1 crore sum assured, your family is shielded against various financial uncertainties, including outstanding debts, daily expenses, and long-term financial goals.
  • Maintaining standard of living: In the unfortunate event of the insured’s demise, the substantial coverage amount ensures that your loved ones can maintain their current standard of living without facing financial hardships.
  • Meeting financial obligations: Whether it is paying off mortgages, loans, or funding children's education and marriage, a 1 crore term plan provides the necessary funds to meet these financial obligations seamlessly.
  • Cost-effective solution: Despite offering substantial coverage, 1 crore term insurance plans are often affordable, making them accessible to a wide range of individuals with varying budgets.
  • Peace of mind: Knowing that your family's financial future is secure brings invaluable peace of mind, allowing you to focus on other aspects of life without worrying about their well-being.
     

Key features and benefits of buying 1 crore term insurance


Term insurance plans offer high coverage at affordable premiums, making it an ideal choice to secure your family’s financial future.

 

  • Pure risk coverage of 1 crore:


Buying a term insurance plan with pure risk coverage ensures financial safety for your family in case of an unforeseen event. The sum assured of Rs. 1 crore provides significant stability, covering liabilities like loans, daily expenses, and long-term goals. Such life insurance plans are designed to offer protection without maturity benefits, making them affordable. Opting for a Rs. 1 crore term plan is ideal for individuals looking to provide maximum security to their dependents economically.


  • Assured death cover:

 

A term plan guarantees the payment of the sum assured to the beneficiary upon the policyholder's demise during the policy term. This death benefit acts as a financial cushion, replacing lost income and helping your family maintain their lifestyle. By purchasing a 1 crore term plan, you ensure a substantial amount tailored to cover expenses like children’s education, healthcare, and debts, ensuring their financial independence and peace of mind even in your absence.


  • Tax savings as per the Income Tax Act:

 

You not only secure your family but also enjoy tax benefits when you buy a term insurance plan. Under Section 80C of the Income Tax Act, the premiums paid toward life insurance policies are eligible for tax deductions up to ₹1.5 lakh annually. Additionally, the death benefits received by beneficiaries are tax-free under Section 10(10D). Choosing a term plan provides financial security while helping reduce your tax liability, making it a highly advantageous investment.


  • Flexibility:

 

Term plans offer considerable flexibility to customize coverage according to your financial needs. With options to choose the premium payment frequency, policy tenure, and sum assured, you can tailor the policy to suit your life stage and budget. Many insurers also provide the flexibility to enhance coverage over time, such as during major life events like marriage or childbirth. This adaptability ensures a comprehensive financial plan that evolves as per your requirements.


  • Riders as add-ons:


Enhance your basic term insurance with riders that address specific risks at affordable rates. Popular riders include accidental death benefit, critical illness coverage, and waiver of premium in case of disability. These riders provide additional coverage to your 1 crore sum assured, offering protection for events beyond natural death. Adding riders to your term insurance plan ensures financial readiness for medical emergencies, accidents, and more, fortifying your family’s future security comprehensively.

Key features and benefits of 1 crore term insurance plan


A term insurance plan for 1 crore is a simple and affordable way to secure your loved ones’ future. Whether you're a salaried professional, business owner, or a young parent planning long-term, a 1 crore sum assured gives your family a financial cushion to handle life’s uncertainties—without compromising their lifestyle.


Let’s break down why so many people in India prefer a 1 crore term insurance policy and what makes it such a powerful protection tool.


  • Get high life cover at affordable premiums: The biggest advantage of a 1 crore term insurance plan is that it offers substantial coverage at a very low premium. For example, a 30-year-old non-smoker can get Rs. 1 crore cover for as little as Rs. 450 per month, depending on the insurer and plan you choose.
  • Ensure financial security for your family: This cover amount ensures your family’s needs—like monthly expenses, EMIs, and future goals (like education or marriage)—are all taken care of even in your absence. A 1 crore sum assured can help maintain their lifestyle without financial stress.
  • Flexible payout options to match your family’s needs: You can choose how your family receives the claim amount—lump sum, monthly income, or a mix of both. This ensures their financial management remains stress-free.
  • Long policy tenure for lifelong peace of mind: Most insurers offer coverage up to 65–85 years of age, which means your family stays protected for decades. Start early, and you can lock in low premiums for the entire term.
  • Critical illness and disability cover add-on available: You can enhance your base plan with riders like critical illness, accidental death, and disability cover. These riders provide an added layer of financial protection in case of health emergencies.
  • Tax benefits on premiums and claim amount: Premiums paid toward a term insurance plan for 1 crore are eligible for tax deductions under Section 80C, and the claim received by your nominee is tax-free under Section 10(10D).

Compare term plans, premiums and coverage in one place. Get a quote now!


Is selecting a Rs. 1 crore coverage plan a smart decision?


Choosing the right coverage amount is important for long-term financial protection. A Rs. 1 crore term plan can provide meaningful security for families with financial responsibilities and future goals.

 

  • Provides strong financial protection:


A Rs. 1 crore term insurance plan offers substantial coverage that can support your family if something unexpected happens. The payout can help cover household expenses, repay outstanding loans, fund children’s education, and maintain your family’s lifestyle without financial stress.

 

  • Affordable protection for high coverage:


Term insurance offers a large life cover at relatively affordable premiums compared to other life insurance plans. Especially when purchased at a younger age, a Rs. 1 crore cover can provide strong protection without putting pressure on your monthly budget.


  • Suitable for people with financial responsibilities:


If you are the primary earner in your family or have dependents, a Rs. 1 crore cover can provide an adequate financial cushion. It helps ensure your loved ones can manage long-term responsibilities and future goals comfortably.


When should I opt for a Rs. 1 crore term insurance plan?
 

A Rs. 1 crore term plan is most useful when your financial responsibilities increase and your family depends on your income for future stability and long-term goals.

Life stageWhen it may be suitable
Early careerYoung professionals can buy a Rs. 1 crore term plan early to lock in lower premiums and build long-term financial protection for future responsibilities.
After marriageMarriage often brings shared financial commitments. A Rs. 1 crore cover helps ensure your partner remains financially secure if something happens to you unexpectedly.
After having childrenWhen you have children, financial responsibilities increase significantly. A higher life cover helps secure their education, living expenses, and future financial goals.
When you have loans or liabilitiesIf you have home loans, personal loans, or other liabilities, a Rs. 1 crore term plan can help your family repay debts without financial pressure.

What is the minimum and maximum age to buy a Rs. 1 crore term plan?

 

Term insurance plans have specific age limits for entry. Understanding these limits helps you plan the right time to buy coverage and benefit from lower premiums.

 

  • Minimum entry age:


The minimum age to buy most term insurance plans, including ₹1 crore coverage, is 18 years, as this is the legal age to enter financial contracts in India.

 

  • Maximum entry age:


The maximum entry age for many term insurance plans is usually around 60 to 65 years, although some specialised plans may extend coverage to older individuals depending on the insurer.

 

  • Premium impact:


Age directly affects premium cost. Buying a ₹1 crore term plan in your 20s or 30s usually results in significantly lower premiums compared to purchasing the same coverage later in life.
 

What are the limitations of 1 crore term insurance plan?


Following are the limitations of 1 crore term insurance plan:


  • No cash value: Unlike whole life insurance, a 1 crore term insurance policy does not accumulate cash value. This means policyholders cannot borrow against the policy or use it as an investment vehicle.
  • Coverage expiry: The policy provides coverage only for a specific term. If the policyholder outlives the term, the 1 crore term insurance coverage ends, and no benefits are paid out.
  • Higher premiums with age: Premiums for 1 crore term insurance policies increase with age. Older individuals may find the cost of premiums prohibitively expensive, especially if they seek coverage later in life.
  • Medical examination requirement: Many insurers require a medical examination for high-value policies like 1 crore term insurance, which can be a hurdle for individuals with pre-existing health conditions.
  • Limited renewal options: Renewing a 1 crore term insurance policy at the end of the term can be costly and may come with stricter terms, reducing flexibility for the policyholder.

Yet, term insurance stands as the most reliable life insurance policy to secure yourself and your family. Term Insurance ensures financial security with high cover at low premiums. So, don’t wait—protect your loved ones today! Get quote!

 

What is the eligibility criteria to get a 1 crore term insurance plan?


You need to mee the following eligibility criteria to get 1 crore term insurance:


  • Age range: Most insurers offer 1 crore term insurance to individuals aged 18 to 65 years. Younger applicants generally benefit from lower premiums.
  • Health status: Applicants typically need to undergo a medical examination. Good health is crucial for approval and favourable premium rates. Pre-existing conditions might lead to higher premiums or denial.
  • Income proof: Demonstrating sufficient and stable income is necessary to justify the high coverage amount of 1 crore term insurance. Insurers assess the applicant's financial capacity to pay premiums.
  • Occupation: The nature of the applicant’s job can impact eligibility. High-risk occupations may attract higher premiums or face coverage limitations.
  • Lifestyle factors: Non-smokers and individuals with healthy lifestyles are more likely to receive favourable terms for 1 crore term insurance, while risky behaviours like smoking can increase premiums or affect eligibility

The earlier, the better! Get term insurance at the early age to be eligible for higher coverage and lower premiums. You always have the option to modify your term insurance coverage based on your life events over the time. Explore plans and get quote!


Who should buy a 1 crore term insurance plan?


Anyone who has financial dependents or liabilities should consider purchasing a 1 crore term insurance plan.


  • Breadwinners: Individuals who are the primary earners in their family.
  • Parents: Those with dependent children whose future financial needs must be secured.
  • Homeowners: Individuals with mortgages or loans that need to be paid off in case of untimely demise.
  • Sole providers: People who financially support aging parents or other dependents.
  • Individuals with significant liabilities: Those with substantial debts or financial obligations that need to be covered.

Term insurance is beneficial for all. Find the right life insurance provider for you—compare plans, benefits, and premiums to choose a policy that fits your needs. Explore plans and get quote!

 

Things to consider when choosing a term insurance plan for 1 crore


When selecting a a 1 crore term insurance plan, it is essential to consider several factors:


  • Premium affordability: Ensure that the premium fits your budget without straining your finances.
  • Claim settlement ratio: Opt for an insurer with a high claim settlement ratio to ensure smooth and hassle-free claims processing for your beneficiaries.
  • Policy term: Choose a policy term that aligns with your financial goals and obligations, considering factors like children's education, retirement, etc.
  • Riders and add-ons: Evaluate additional benefits such as critical illness riders or accidental death cover riders to enhance your coverage as per your needs.
  • Company reputation: Research the insurer's reputation, customer service, and financial stability to ensure reliability and trustworthiness.

By considering these factors, you can make an informed decision and choose a term insurance plan that provides comprehensive coverage and meets your specific requirements.

 

What is an ideal sum assured amount for term insurance?


The ideal sum assured amount for term insurance varies from individual to individual and depends on factors such as income, lifestyle, liabilities, and financial goals. However, a sum assured of Rs. 1 crore is generally considered adequate for providing comprehensive financial protection to your family.

 

What are the sum assured options for term insurance plans?


Term insurance plans typically offer flexible sum assured options to cater to varying needs and preferences. While the coverage amount can vary depending on the insurer, policyholders usually have the freedom to choose a sum assured ranging from lakhs to crores. Some common sum assured options include 25 lakhs term insurance, 50 lakhs term insurance, 1 crore term insurance, 2 crores term insurance, and even higher amounts. Policyholders can select a sum assured based on factors such as their income, lifestyle, financial responsibilities, and long-term goals. It's essential to carefully assess your financial needs and choose a sum assured that provides adequate coverage to safeguard your family's financial future.


For affordable life insurance or term plans, you can visit the Bajaj Finance Insurance Mall. Here you will find life cover and term plans offered by leading insurers and suitable for every individual needs. Buying these plans are also very simple.

 

What are the riders available with 1 crore term insurance?


Riders help you customise your plan to cover more than just life cover. Here's a quick look at common riders you can choose with your 1 crore term insurance:

Rider namesBenefit
Accidental death coverExtra payout if death occurs due to an accident
Critical illness riderLump sum payout on diagnosis of major illnesses like cancer, heart disease
Waiver of premium riderFuture premiums waived if you're permanently disabled or critically ill
Income benefit riderMonthly income provided to the family after death for a fixed period
Accidental disability riderCompensation in case of partial or total disability from an accident


 

Choose riders based on your health profile and family needs.

 

What are the documents required to apply for 1 crore term insurance?


Getting started with a 1 crore term plan is super easy today—most insurers offer quick online issuance. Here’s what you’ll need:


  • Proof of identity (Aadhaar card, PAN card, passport, or voter ID)
  • Proof of age (birth certificate, PAN card, school certificate)
  • Address proof (utility bill, Aadhaar card, passport)
  • Income proof (latest ITR, salary slips, Form 16, or bank statements)
  • Medical reports (if requested based on age or health disclosures)
  • Photograph and signature (for official records)

Keep these ready to speed up your application process.


Want to protect your loved ones with confidence? Explore top-rated term insurance plans with 1 crore sum assured and get quotes tailored to your needs now!

 

What is the claim process for 1-crore term insurance?


Following is the way to file claim process for 1 crore term insurance plan:


  • Notify the insurer: The first step in claiming 1 crore term insurance is to notify the insurance company about the policyholder’s death as soon as possible. This can typically be done online, via phone, or through an agent.
  • Submit claim form: Fill out the claim form provided by the insurer. This form collects essential details about the policyholder and the claimant.
  • Provide documentation: Submit necessary documents, including the death certificate, policy document, identity proof of the claimant, and any additional documents requested by the insurer. Medical records and hospital reports may also be required if the death was due to illness.
  • Verification process: The insurer will review the submitted documents and may conduct an investigation to verify the claim. This step ensures the claim’s legitimacy and compliance with policy terms.
  • Claim settlement: Upon successful verification, the insurer processes the claim and disburses the 1 crore term insurance benefit to the beneficiaries. The timeline for settlement can vary but usually takes a few weeks to a few months.
     

Pro Tip

Secure your family’s future against life’s uncertainties with our reliable term plans starting at just Rs. 15/day* for a life cover of Rs. 1 crore.

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Steps to buy life insurance through Bajaj Finance Insurance Mall

To buy life insurance plan through Bajaj Finance Insurance Mall, you simply need to provide a few information by following the below steps:

Step 1: Click on ‘Get Quote’ to open our online application form.

Step 2: Enter the required details – name, mobile number, email ID, DOB, and gender. Click on ‘Proceed’ button.

Step 3: Share a few more details related to your lifestyle, occupation, education, income and PIN code. Click on ‘View Plans’ button.

Step 4: You will see the plans available. Click on ‘Buy Now’ on the plan and our representative will call you back and explain the products available for you to take an informed decision.

Why should you choose Bajaj Finance Insurance Mall to buy life insurance?

If you choose to buy life insurance through Bajaj Finance Insurance Mall, you get the following benefits:

  • Comparing and purchasing policies: Bajaj Finance offers a broad selection of insurance policies from top insurers in India through the Bajaj Finance Insurance Mall. This platform allows you to assess and purchase insurance policies from various reputable providers in India.
  • 100% digital purchasing process: Bajaj Finance prioritises customer convenience by providing a fully digital platform for the purchasing process. This means you can buy insurance policies with minimal paperwork and without any hassle.
  • Cost-effective premiums: Bajaj Finance, in collaboration with leading insurance providers, presents insurance policies tailored to individual needs. These policies offer extensive coverage at affordable premiums. Additionally, you can discover budget-friendly coverage options that fulfil diverse requirements.

Conclusion

In a nutshell, opting for a 1-crore term insurance plan is a proactive step towards securing your family's financial future. With its substantial coverage amount and myriad benefits, it offers peace of mind and ensures that your loved ones are well protected, come what may. So, do not delay any further - safeguard your family's tomorrow today with a 1-crore term insurance plan.

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Frequently asked questions

How much is the premium for 1 crore term insurance?
The premium for 1 crore term insurance varies depending on several factors, including the age, health condition, lifestyle habits, and sum assured amount of the insured individual. Generally, term insurance premiums are quite affordable, especially considering the substantial coverage they provide. Insurance companies offer online premium calculators to estimate the premium based on these factors accurately.
Is 1 crore term insurance worth buying?
Yes, 1 crore term insurance is often worth buying for individuals with financial dependents or significant liabilities. It offers a sizable sum assured amount to ensure that your loved ones are financially secure in case of your untimely demise. Considering the financial protection it provides at relatively low premiums, it is a prudent investment for securing your family's future.
What is the policy term for 1 crore term insurance?
The policy term for 1 crore term insurance typically ranges from 10 years to 40 years, depending on the insurance company and the age of the insured individual at the time of purchasing the policy. Some insurers may offer shorter or longer policy terms to cater to varying needs and preferences.
What are the eligibility criteria for buying a 1 crore term insurance?

The eligibility criteria for purchasing 1 crore term insurance may vary slightly among insurance providers but generally include factors such as age, health condition, income, and nationality. Most insurers require the insured individual to be between the ages of 18 and 65 years and in good health. Additionally, certain lifestyle habits such as smoking, or alcohol consumption may affect eligibility and premium rates. It is advisable to check with the insurance provider for specific eligibility requirements before purchasing the policy.

Can I get a coverage of 1 crore in life insurance?

Yes, you can get a coverage of 1 crore in life insurance. Insurers offer high-coverage term insurance policies, provided you meet eligibility criteria such as age, health status, income proof, and lifestyle factors. Premiums will vary based on these factors.

Is getting a 2-crore term insurance plan worth it?

Getting a 2-crore term insurance plan can be worth it if you have significant financial responsibilities, such as dependents, outstanding debts, or future expenses like children’s education. It provides substantial financial security for your family, ensuring their well-being in your absence.

Why should I buy term insurance at a young age?

Buying term insurance early offers lower premium rates and ensures long-term coverage when you are healthier, reducing the risk of future policy rejection.

What additional rider benefits can I add to my Rs. 1 crore term insurance policy?

You can enhance your policy with riders like critical illness, accidental death, waiver of premium, or disability cover for broader protection at a marginal extra cost.

How can I calculate the premium for a term insurance plan?

Term plan premiums can be calculated using online premium calculators based on age, sum assured, policy term, health status, and lifestyle habits like smoking.

Can NRIs purchase a Rs. 1 crore term insurance plan in India?

Yes, most Indian insurers allow NRIs to buy a Rs. 1 crore term insurance plan. The process is typically online, and medicals can be done in the country of residence or upon visiting India.

Does a Rs. 1 crore term plan offer lifetime coverage?

Some term plans provide coverage up to 85 or 99 years, depending on the insurer. While not always for life, you can choose a high age limit to ensure long-term protection for your family.

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Disclaimer

*T&C Apply. Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Life Insurance Limited (Formerly known as Bajaj Allianz Life Insurance Company Limited), HDFC Life Insurance Company Limited, Life Insurance Corporation of India (LIC), Bajaj General Insurance Limited(Formerly known as Bajaj Allianz General Insurance Company Limited), SBI General Insurance Company Limited, ACKO General Insurance Company Limited, HDFC ERGO General Insurance Company, TATA AIG General Insurance Company Limited, ICICI Lombard General Insurance Company Limited, New India Assurance Limited, Chola MS General Insurance Company Limited, Zurich Kotak General Insurance Company Limited, Star Health & Allied Insurance Company Limited, Care Health Insurance Company Limited, Niva Bupa Health Insurance Company Limited, Aditya Birla Health Insurance Company Limited and Manipal Cigna Health Insurance Company Limited under the IRDAI composite registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure & policy wordings carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also distributor of other third party products from Assistance service providers such as CPP Assistance Services Private Limited, Bajaj Finserv Health Limited. etc. All product information such as premium, benefits, exclusions, value added services etc. are authentic and solely based on the information received from the respective Insurance company or the respective Assistance provider company.

Note- While we have made all the efforts and taken utmost care in gathering precise information about the products, features, benefits etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective products sales brochure and policy/membership wordings before concluding sales.

T&C Apply. #Above illustration is considering Male aged 25years | Non-Smoker | Policy Term(PT)– 30 years | Premium Payment Term (PPT)– 30 years | Sum Assured opted is Rs.1,00,00,000 | Offline Channel | Standard Life | Yearly Premium is Rs. 5,417. Total Premium Rs.1,62,518 | Medical Rates | Yearly Premium Payment Mode | Death benefit opted is lumpsum payout and monthly instalments (Lumpsum Payout Percentage: 40, Income Payout Percentage: 60). Income payout instalment opted for 40 years | Premium shown above is exclusive of Goods & Service Tax/ any other applicable tax levied, subject to changes in tax laws, and any extra premium and is for illustrative purpose only.