Max Life
Smart Secure Plus
₹12,450/yr · ₹1 Cr cover
- Claim ratio
- 99.3%
- Term
- Till 70
- Accelerated terminal illness
- Premium stays level for life
- Increasing cover rider +5%/yr
Term life insurance
Lock in the cheque your family will need.
₹1 Cr cover from ₹648/mo for a 30-year-old non-smoker. Level premiums for life. 99%+ claim-settlement ratios. We compare claim ratios, riders and income-option structures so the nominee isn't left navigating fine print.
₹5 Cr+
Max cover available
99%
Claims settled first-pass
Level
Premium for entire term
Sub-products
Pick the right shape of life cover.
Term life isn't one product. Here are the five shapes we compare — each built for a different household and a different goal.
Most bought
Pure term
Lumpsum to nominee on your death. No savings, lowest premium.
Most people — start here
from ₹931/mo
Return of premium
Get every rupee back if you outlive the term. Higher premium.
If you dislike "money wasted"
from ₹2,450/mo
Whole life
Cover up to age 99 — estate planning + inheritance use.
HNI families · legacy planning
from ₹3,680/mo
With critical illness
Accelerated payout on diagnosis of 35+ listed illnesses.
Existing health conditions
from ₹1,280/mo
NRI-friendly
Medical done overseas, pay in foreign currency, claim from India.
NRIs with dependents in India
from ₹1,140/mo
Top picks
Featured pure term plans.
Three standouts for a 32-year-old non-smoker · ₹1 Cr cover · male. Prices recomputed live at quote.
Lowest premium
HDFC Life
Click 2 Protect Super
₹13,100/yr · ₹1 Cr cover
- Claim ratio
- 99.1%
- Term
- Till 75
- Income-option on death
- Waiver on disability
- Accidental death benefit rider
Tata AIA
Sampoorna Raksha Supreme
₹14,210/yr · ₹1 Cr cover
- Claim ratio
- 98.5%
- Term
- Whole life
- Whole-life cover to age 99
- Critical illness accel.
- Return of premium optional
Common questions.
How much term cover do I need?
Rule of thumb: 10–15× your annual income. Add outstanding loans. Subtract existing savings + investments. We ship a calculator in the quote tool that runs this for you.
Will my premium go up over time?
No — once locked at purchase, it stays level for the entire term, regardless of health changes. That's why buying young is cheaper.
What if I don't die during the term?
With pure term: nothing. Cheapest premium buys the largest cover. With return-of-premium: you get 100% of premiums back. With whole-life: cover continues past term.
Does it cover suicide?
Yes, but not in the first 12 months — a waiting-period exclusion. After year 1, suicide is covered like any other cause.
Ready to lock in your family’s safety net?
2 minutes of questions, 11 insurers, 99%+ claim ratios. Premium stays level for the entire term.
Start my quote