PolicyMaart

Term Life Insurance

Financial protection designed around the people who depend on your income.

Term Life Insurance
Term Life

Protect the income your family relies on.

Term life insurance is designed to provide a death benefit to the policy's beneficiaries during the covered term, subject to the policy terms. Your responsibilities, income, liabilities and dependants are important starting points.

  • Consider dependants and household income
  • Consider loans and long-term responsibilities
  • Review sum assured and policy tenure
  • Provide accurate information during underwriting
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PolicyMaart plans

Term Life Plans

Axis Max Life plans are shown first, followed by HDFC Life term protection options.

Axis Max Life

Smart Secure Plus PlanBest Selling

Popular Axis Max Life pure-risk term protection

  • Best seller: Axis Max Life labels Smart Secure Plus as its #1 Selling Plan on the official product page (conditions apply)
  • Terminal illness benefit and exit-value feature
  • Optional joint-life, accidental-death and premium-break benefits
  • Optional critical illness/disability rider benefits subject to terms
Axis Max Life

Smart Term Plan Plus

Customisable term protection from Axis Max Life

  • Special: Multiple protection and payout choices for different life stages
  • Life-cover options subject to selected variant
  • Optional riders and additional benefits subject to policy terms
  • Flexible premium-payment choices subject to eligibility
HDFC Life

Click 2 Protect Supreme Plus

Flexible HDFC Life term protection

  • Special: Life cover with wellness benefits and flexible cover choices
  • Option for increasing death benefit subject to plan terms
  • Optional return of premium
  • Optional spouse / parent protection features subject to eligibility
HDFC Life

Click 2 Protect Elite Pro

High-cover term protection for eligible salaried customers

  • Special: HDFC Life high-cover term option for the salaried segment
  • Pure-risk life protection
  • Premium-payment options subject to plan terms
  • Eligibility and underwriting conditions apply
HDFC Life

Click 2 Protect Life

HDFC Life term protection with multiple benefit options

  • Special: Established term plan with configurable protection options
  • Life-cover benefit subject to selected option
  • Optional additional protection features
  • Policy term and eligibility conditions apply
HDFC Life

Click 2 Protect Ultimate

Term protection designed for eligible higher-income customers

  • Special: HDFC Life lists this option for customers meeting its income eligibility criteria
  • High life-cover options subject to underwriting
  • Flexible premium-payment structures subject to terms
  • Optional protection benefits subject to selected variant
Questions answered

Term Life FAQs

Common questions about cover, claims, premiums and policy documents.

Do smokers or tobacco users pay more for term insurance?

Tobacco use can affect underwriting and premium because insurers assess risk based on the information disclosed in the proposal. Always disclose tobacco use accurately.

How much term cover should I consider?

There is no single amount that fits everyone. Consider income replacement, liabilities, dependants, future goals, existing assets and other life cover, then discuss the appropriate amount with an advisor.

What is term insurance?

Term insurance provides life cover for a specified period. If the insured event occurs during the policy term, the death benefit is paid to the nominee subject to the policy terms. Standard pure-risk term plans generally do not pay a maturity benefit.

Let's talk protection

Tell us what you want to protect.

Share a few details and a PolicyMaart advisor can help with the next step.

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Our insurer network

Insurance companies we support.

PolicyMaart can help you explore eligible products and service options from these insurers.

Tata AIGTata AIG
Axis Max LifeAxis Max Life
ManipalCignaManipalCigna
Care Health InsuranceCare Health Insurance
HDFC ERGOHDFC ERGO
HDFC LifeHDFC Life
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