Term Insurance

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What is Term Plan ?

This is a type of life insurance policy that provides coverage for a certain period of time, or a specified tenure of years. This policy covers risk only during the selected term period and if the policyholder survives the term, the risk cover comes to an end. If the insured dies during the time period specified in the policy and the policy is active - or in force - then a death benefit will be paid.

Why go for Term Plan ?

One of the main advantages of going for a term insurance plan is the simplicity of the cover it offers. As these are pure risk covers, these are easily comparable Term insurance is the cheapest form of insurance Available for long tenures which covers life to age 75 Premiums are fixed and do not increase during the policy tenure One can use it to cover against liabilities such as a home loan One can extend the scope of cover with riders on these policies such as Accidental Death.

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