Life Insurance
Traditional life insurance combines a life cover with a savings or investment component. Endowment plans give guaranteed returns, ULIPs invest in market-linked funds, and whole-life plans cover you up to age 99. Best suited for goal-based savings alongside a term plan.
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From ₹500/mo
Cover
Up to ₹2 Cr
Policy Term
5 - 40 Years
Maturity Bonus
Guaranteed
12+ insurers • IRDAI-registered
Key features
Guaranteed returns
Endowment plans offer 4-6% guaranteed IRR plus non-guaranteed bonuses.
Market-linked (ULIP)
ULIP variants invest in equity/debt funds with fund-switch flexibility.
Loan against policy
Borrow up to 90% of the surrender value at low interest after 3 years.
Section 80C + 10(10D)
Premium deductible under 80C; maturity proceeds tax-free under 10(10D).
Eligibility
- Age: 30 days (child plans) to 65 years
- Minimum policy term: 5 years
- Medical underwriting for larger cover amounts
- Free-look period: 30 days from policy issuance
Documents required
- PAN card and Aadhaar
- Income proof for cover above ₹25 L
- Address proof
- Passport-sized photograph
- Nominee KYC
Frequently asked questions
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