Save Big on Term Insurance

Protect what matters most with our affordable and customizable term insurance plans. Designed to fit your needs, our policies ensure your loved ones are financially secure. Choose E Insure First for savings and peace of mind!

Understanding Term Insurance and Its Various Types

Term insurance acts as your family’s safety shield, offering protection during life’s uncertainties. It’s a contract between you and the insurer, ensuring a financial payout to your beneficiaries in the event of your untimely demise during the policy term. With affordable premiums, you can secure your loved ones’ future, providing peace of mind and financial stability even in your absence. At E-Insure First, we offer customizable term insurance plans tailored to your unique needs and priorities.

Level-Term Insurance

This is the most straightforward type of term insurance. The death benefit remains constant throughout the policy term, ensuring your family receives a fixed financial amount in case of your passing.

Decreasing Term Insurance

Ideal for covering specific obligations like loans or mortgages, the death benefit in this plan decreases over time to align with your reducing financial liabilities. It helps ensure your family doesn’t inherit the burden of debt.

Convertible Term Insurance

This option offers flexibility, allowing you to convert your term policy into a permanent life insurance policy without requiring a medical exam. It’s perfect if your long-term financial needs evolve or you need extended coverage.

Renewable Term Insurance

Life can be unpredictable, and this plan allows you to renew your policy at the end of its term without a medical examination. It ensures you can maintain coverage as your circumstances change.

Return of Premium Term Insurance

A combination of protection and savings, this plan refunds the premiums you’ve paid if you outlive the policy term. Though premiums are slightly higher, it offers the added benefit of receiving your investment back, providing financial security and peace of mind. Explore E-Insure First’s term insurance options today and choose the plan that best meets your needs while securing your loved ones’ future.

Factors that Determine Term Insurance

Age of the Policyholder

Sum Assured or Coverage Amount

Policy Tenure (Duration)

Health Condition and Medical History

Lifestyle Habits (Smoking, Drinking, etc.)

Occupation and Nature of Work

Premium Payment Term and Frequency

Riders or Add-On Benefits Selected

Claim History or Previous Insurance Record

Gender of the Policyholder

Benefits of Term Insurance

Explore the Many Ways Insurance Safeguards Your Life

Financial Protection for Family

Provides a lump sum payout to your family in case of your untimely death, ensuring financial stability.

High Coverage at Low Premium

Offers substantial life cover at affordable premiums compared to other life insurance plans.

Tax Benefits on Premiums

Premiums paid are eligible for tax deductions under Section 80C of the Income Tax Act.

Simple and Transparent Plans

Term insurance comes with straightforward terms, making it easy to understand and manage.

Option to Add Riders

You can enhance your coverage with riders like critical illness, accidental death, or disability cover.

Fixed Premium for Policy Term

The premium remains fixed for the entire policy term, offering cost stability and easy budgeting.

Peace of Mind for Future Security

Ensures your family’s financial well-being even when you are no longer there to support them.

Flexibility in Premium Payment

Choose from multiple payment options like monthly, yearly, or single premium as per convenience.

Cover Against Life’s Uncertainties

Protects your loved ones against the uncertainties of life, accidents, or sudden demise.

Top 10 Companies That Provide Term Insurance In India

LIC (Life Insurance Corporation of India)

Max Life Insurance

Tata AIA Life Insurance

ICICI Prudential Life Insurance

Reliance Nippon Life Insurance

SBI Life Insurance

Bajaj Allianz Life Insurance

HDFC Life Insurance

Kotak Mahindra Life Insurance

Aditya Birla Sun Life Insurance

Why Choose E-Insure First for Term Insurance?

Term insurance is more than just a financial shield—it’s your promise to secure your family’s future. At E-Insure First, we offer affordable term insurance plans with comprehensive coverage options designed to protect your loved ones and provide you peace of mind.

Having our competitive premiums, unwavering commitment to your well-being, and a focus on financial security, we are your trusted partner in safeguarding what matters most.

Go with E-Insure First for term insurance that delivers reliability, confidence, and a brighter future for your loved ones.

Request a Quote Today

Reach Us

Location :

Solutomatic Global Private limited
G-29, Nukleus Tower, Sector- 142, Noida, India, Uttar Pradesh

Email :

hi@einsurefirst.com

Phone :

+91 9873 384 226

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Frequently Asked Questions (FAQ’s)

What is a conversion feature in term insurance?

Some term policies offer a conversion option, allowing you to convert your term policy into a permanent life insurance policy without a medical exam.

Can I customize my term insurance coverage amount?

Yes, many term insurance policies allow you to choose the coverage amount (sum assured) based on your financial needs and budget.

Is it possible to increase the coverage amount on my existing term insurance policy?

Some term insurance policies may allow you to increase coverage through policy riders or during specific policy periods. It’s advisable to check with your insurance provider for available options.

How do smoking or pre-existing health conditions affect term insurance premiums?

Smoking and pre-existing health conditions can significantly impact term insurance premiums. Insurers may charge higher premiums to reflect the increased health risks associated with these factors.

What happens if I outlive the term of my term insurance policy?

If you outlive the term of your policy, it typically expires, and no benefit is paid out unless your policy includes a return of premium or conversion option. In such cases, you may receive a refund of the premiums paid or have the option to convert to a different insurance product.