Term Life Insurance

Secure your family’s future with a life cover that protects when it matters most.

Protect What Matters Most

What is Term Life Insurance and Why It’s Crucial

Term life insurance is a pure life cover plan that provides a lump sum payout to your nominee in case of your untimely demise during the policy term. It ensures your family remains financially secure in your absence — covering expenses like EMIs, education, or daily needs. It’s one of the most affordable forms of life insurance available today. With the convenience of online plans, you can compare premiums, choose coverage, and get insured in minutes.

Affordable Protection Made Simple

Why Buy Term Life Insurance Online?

Lower Premiums

Online plans are more cost-effective as there are no middlemen or extra fees.

Easy Comparison of Plans

Instantly compare sum assured, riders, and claim settlement ratios.

Fast, Paperless Process

Apply and submit documents online with minimal physical steps.

Protect Your Family’s Financial Future

Why Term Life Insurance is a Must-Have

01

Income Replacement

Ensures your family’s income continues even if you’re not around.

02

Covers Major Financial Obligations

Takes care of outstanding loans, child’s education, and other long-term expenses.

03

Affordable High Coverage

Get a large sum assured at very low annual premiums.

04

Peace of Mind for You and Your Family

Know your loved ones won’t face financial strain in your absence.

05

Flexible Policy Terms

Choose policy duration and pay-out options as per your goals.

06

Tax Benefits

Enjoy deductions on premiums paid under Section 80C and tax-free pay-out under Section 10(10D).

Tailor Coverage to Fit Your Life

Types of Term Life Insurance You Can Consider

Level Term Plan

Pays a fixed sum assured to your nominee upon your death during the policy term.

Increasing Term Plan

The coverage amount increases annually to keep up with inflation.

Term Plan with Return of Premium (TROP)

If you survive the term, all premiums paid are returned to you at maturity.

The Smarter Way to Secure Your Family

Why Upsure is the Right Choice for Term Life Insurance

Compare Plans in One Place

Access and evaluate policies from leading life insurers on a single platform.

Personalized Coverage

Get recommendations based on your income, dependents, and life stage.

100% Online Process

From application to issuance, everything is digital and convenient.

Transparent Premiums

No hidden charges or confusing jargon — just clear pricing.

Dedicated Support

Get help from licensed advisors at every stage of the buying process.

Claim Assistance for Your Family

In case of a claim, we support your loved ones in getting the benefits quickly.

Find the Right Cover at the Right Price

Why It’s Important to Compare Term Plans

Not all term plans are built the same. Comparing policies ensures you get better features, longer protection, and maximum benefits for your investment.

Get Higher Sum Assured for Less

Some insurers offer better coverage at lower rates based on age or health.

Evaluate Rider Benefits

Choose plans with critical illness, accidental death, or waiver of premium riders.

Check Claim Settlement Ratios

Ensure you pick insurers with a proven track record of honouring claims.

Understand Policy Exclusions

Avoid unpleasant surprises by knowing what’s not covered.

Simple & Quick

How to Buy Term Life Insurance in 3 Easy Steps

01

Share Personal & Income Details

Fill in your age, annual income, and number of dependents.

02

Compare Plans and Select Coverage

View quotes, explore features, and select the best policy.

03

Submit Documents & Pay Securely

Upload KYC documents and make payment online to activate your plan.

Minimal Paperwork, Maximum Protection

Documents Required for Term Life Insurance

Identity Proof

Aadhar card, PAN card, or valid government ID.

Address Proof

Utility bill, voter ID, or Aadhar card with address.

Income Proof

Recent salary slips, ITR documents, or Form 16.

Claim Support Your Family Can Rely On

How to File a Term Insurance Claim

1

Inform the Insurer

Nominee should notify the insurance company as soon as possible after death of the insured.

2

Submit Required Documents

These include claim form, death certificate, policy documents, ID proof, and medical/hospital records if applicable.

3

Claim Review & Settlement

The insurer verifies the claim and, if approved, releases the sum assured to the nominee.

Understand Term Plans Better

Frequently Asked Questions

The best time to buy term insurance is as early as possible, preferably in your 20s or 30s. This is when premiums are lowest, and you’re likely in better health. Starting early also allows you to lock in a longer policy term at a more affordable rate for higher coverage.

Your sum assured should be at least 10 to 15 times your annual income. Consider your family’s lifestyle expenses, outstanding loans, future goals like education, and inflation. A financial advisor or online calculator can help estimate the right coverage based on your profile.

If you have a regular term plan, there is no maturity benefit. However, if you’ve opted for a Term Plan with Return of Premium (TROP), you will receive all the premiums you paid during the policy term — excluding taxes and rider costs — at the end of the policy.

Yes, you can change the nominee at any time during the policy term. Simply contact your insurance provider, fill out a nominee change form, and provide required documentation. It’s important to update nominee details after marriage, childbirth, or any life event.

Yes, lifestyle habits like smoking and health conditions can increase your premium. Insurance companies assess risk based on your medical profile. Full disclosure is essential at the time of application, or your claim may be denied later due to nondisclosure.

It depends on your age, health status, and the sum assured. For higher coverage or applicants over 40, insurers usually require a basic medical checkup. In some low-risk profiles, policies may be issued without tests, but it varies by insurer.

Yes, many Indian insurers allow Non-Resident Indians (NRIs) to purchase term insurance. The process may require medical tests in India or abroad and online document submission. Policies are issued in INR, and claims can be paid out to beneficiaries in India or abroad.

No, the death benefit received by the nominee is tax-free under Section 10(10D) of the Income Tax Act, provided the policy complies with conditions under Section 80C. Maturity benefits from TROP policies are also generally exempt from tax.

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Upsure Insurance Brokers Pvt. Ltd., IRDAI Broker code - IRDAI / DB 958 / 2022, Valid Till date - 25 / 06 / 2026, Licence Number-899, CIN No.: U67200UP2022PTC164788, Principal officer name: Ankush Jain,
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