Life Insurance: Overview

Life insurance allows you to provide for your family, in the event of your not being there. It is not mandatory; but can you afford to NOT have it?


In its purest form, life insurance refers to term insurance. But there is a bewildering variety of life insurance plans out there, such as whole life plans, money back, and endowment plans. Not to mention the hugely popular unit-linked insurance plans (ULIP). All these plans vary through different parameters such as coverage, exclusions, riders, and cost.

ULIP

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Children's Plan

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Endowment

  • Should I continue my endowment plan?
    Use this calculator to find out if you should continue your endowment policy or invest the premium amount saved in other avenues.
  • Do I need life insurance?
    Do you think you do not need a life insurance. Here's why you may want to rethink. ......
  • Endowment Insurance Plans
    Endowment insurance plans provide life insurance cover for a specific period. The insured can get the sum assured plus any bonus or guaranteed additions that may accrue during the policy term.

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Money Back

  • Should I continue my money back policy?
    Calculate to access whether it makes sense to continue paying the premiums towards the money back policy or surrender the policy, buy a simple term policy, and invest the surplus elsewhere.
  • Money-back Life Insurance Plan
    Money-back plans provide cover for a specified period. During the term of the policy, the insured gets back fixed, tax-free proportions from the sum assured at specified intervals. ......

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Compare 21 TermInsurance policies
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  • Search for the best Term Insurance deals
  • Compare based on multiple parameters - sum assured,age,tenure,payment mode,etc.
  • Get results that include policy name,premium cost,and grace period allowed
     


Term Insurance

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Whole Life

  • Should I Continue My Whole life Policy?
    Use this calculator to find out if you should continue your whole life policy or invest the premium amount saved in other avenues.
  • Whole Life Insurance Plans
    Whole life policies provide life cover for the entire life or up to a specified age. It does no typically offer survival benefits since there is no definitive term to the policy.

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Pension Plan

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Featured Interview

Kapil Mehta

"We would like to raise the standards of life insurance in the country by providing high quality insurance advice and protection products to our customers," says Kapil Mehta, Managing Director & Chief Executive Officer, DLF Pramerica.

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Decision-making Corner

Ulip vs. Mutual Calculator
Compare returns on investment of your ULIP as well as mutual funds to asses the best option for you.
Term Insurance comparator
Use the term insurance comparator to compare various term insurance plans as well as insurers.
Mediclaim comparator
Compare mediclaim policies offered by insurers across India.
Should I countinue My Children's Money back Policy?
Use this calculator to find out if you should continue your children's money back policy or invest the premium amount saved in other avenues.
Endowment vs. Whole life comparator
Use this comparator to compare a whole life insurance policy and an endowment policy.

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