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
Pure term
The simplest term life — the most cover for the money.
Pure term is the cheapest way to buy the highest cover. No savings, no investment — just a level premium for a clean lumpsum to your nominee.
₹931/mo
Starts at
Level
Premium for entire term
99%+
Claim settlement
Top picks
Top pure term plans.
Three standouts for a 32 year-old non-smoker · ₹1 Cr cover · male.
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.
Why is pure term so much cheaper?
Pure term has zero return-of-premium component — every rupee buys cover, none accumulates as savings. That's why ₹1 Cr cover at age 30 costs ₹8-12k/yr on pure term but ₹40-60k/yr on a return-of-premium variant.
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.
Prefer something with more features? Return-of-premium, whole life, CI and NRI shapes all layer on top of pure term.
You’re here
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
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