Max Life
Smart Secure Plus
₹12,450/yr · ₹1 Cr
- Claim ratio
- 99.3%
- Term
- Till 70
- Accelerated terminal illness
- Premium stays level for life
- Increasing cover rider +5%/yr
NRI-friendly
Life cover from abroad, claimed in India.
Medical-check overseas, pay premiums in foreign currency, claim settled to the Indian nominee. Tailored for NRIs with dependents and obligations in India.
USD/GBP
Premium payment
Telemedical
Health check
INR
Claim settlement
Top picks
Top NRI-friendly plans.
Three standouts for a 35 year-old NRI · ₹1 Cr cover · USD premium.
Lowest premium
HDFC Life
Click 2 Protect Super
₹13,100/yr · ₹1 Cr
- 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
- Claim ratio
- 98.5%
- Term
- Whole life
- Whole-life cover to age 99
- Critical illness accel.
- Return of premium optional
Common questions.
Can NRIs buy Indian term life?
Yes — IRDAI permits NRI / OCI / PIO to buy resident-Indian term plans subject to (a) Indian KYC documents, (b) medical tests done in India / approved clinics abroad, and (c) FEMA-compliant premium remittance from NRE / NRO accounts.
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.
Sub-products
Other shapes of term life.
NRI variants are usually a layer on pure term. Here’s how they compare with the other shapes.
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
You’re here
NRI-friendly
Medical done overseas, pay in foreign currency, claim from India.
NRIs with dependents in India
from ₹1,140/mo
Protect the family back home.
2 minutes, 7 insurers with NRI-friendly riders. Telemedical from anywhere.
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