A term plan can give your family ₹1 Crore of protection for less than ₹20 per day. We compare LIC and leading private insurers to help you choose with complete confidence.
Life insurance isn't about death — it's about ensuring your family's financial security regardless of what happens to you.
If you're the primary earner, life insurance replaces your income so your family maintains their standard of living.
Outstanding home, car, or personal loans become a family's burden. A term plan clears these at claim.
Education costs are rising 10% annually. Child plans ensure education funds are available regardless of your health.
Premiums qualify for 80C deduction (up to ₹1.5L/year) and the death benefit is fully tax-free under 10(10D).
Each type serves a different goal. We help you pick the right one — or combine them for comprehensive coverage.
Pure protection providing high coverage at low premium rates. Replaces income for dependants in case of demise.
Traditional savings combined with life cover. Returns a lump sum payout + accrued bonuses at plan maturity.
Provides periodic survival payouts during the policy term, with full sum assured returned at maturity.
Guaranteed lifetime regular income post-retirement. Immediate or deferred annuity options available.
Master life insurance policies managed for employer-employee groups, offering uniform protection.
Affordable low-cover plans designed for low-income families and rural protection campaigns.
These are the most popular, trusted, and high-performance LIC products selected by our clients.
Best For: High protection, lowest premium
Best For: Guaranteed savings with lifelong cover
Best For: Tax-free savings for children's goals
Best For: Guaranteed lifelong regular income
Best For: Securing funding for children's milestones
Best For: Guaranteed regular income post-retirement
The most common question we get. Here's the honest comparison to help you decide.
| Feature | Term Life | Endowment | ULIP |
|---|---|---|---|
| Primary purpose | Income replacement | Savings + protection | Wealth creation |
| Sum assured | ₹50L–₹10Cr | ₹5L–₹50L | ₹5L–₹50L |
| Premium (₹50L cover, age 30) | ~₹500–700/mo | ~₹4,000–6,000/mo | ~₹5,000+/mo |
| Returns | None (pure protection) | 4–6% (guaranteed) | 8–14% (market-linked) |
| Maturity benefit | None | Yes | Yes (fund value) |
| 80C tax benefit | Yes | Yes | Yes |
| Recommended for | Most families | Conservative savers | Long-term investors |
"NKT explained the difference between term and endowment in plain Hindi. I took a ₹1Cr term plan at ₹650/month — the best financial decision I've made. They even helped update my nominee details after my daughter was born."
Everything you need to know before buying a life insurance plan.
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