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
Whole life
Cover that never expires — till age 99.
Whole-life plans keep the cover running until age 99, useful for estate planning, legacy goals and ensuring a tax-free corpus reaches the next generation regardless of when you pass.
Age 99
Max term
Tax-free
Corpus to nominees
Optional
ROP rider
Top picks
Top whole-life plans.
Three standouts for a 38 year-old non-smoker · ₹2 Cr cover · till 99.
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.
How does whole-life differ from a term plan?
Whole-life covers you up to age 99 (or 100), so the death benefit is essentially guaranteed. Premiums are 4-8× pure term but the policy doubles as a wealth-transfer instrument. Useful if estate planning matters more than protection economics.
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.
Whole life works well for HNIs and legacy use-cases. Most households are better served by pure term.
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
You’re here
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
Plan your estate properly.
2 minutes, 6 insurers offering whole-life variants. No spam calls.
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