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Term Insurance Plans - Life Insurance Guide

Term insurance guide from Bajaj Allianz Life
Term insurance age limit

Term Insurance Age Limit – Know All About It

Everyone wants their family to be hale and hearty. Even though most people don’t directly associate happiness with financial stability, it nevertheless plays an important part. Being an earning member of the family, it is your responsibility to ensure the financial stability of your family. A term insurance plan can be an efficient tool to financially ring-fence your family in your absence.

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Term insurance coverage after 65

Why You Shouldn’t Stop Your Term Insurance Coverage After 65

Term insurance has traditionally been considered as a protection plan that’s best taken when you’re younger. Since most people commonly retire between the ages of 60 and 65, term insurance plans are generally structured so that they offer coverage until the investor reaches 65 years of age.

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Term insurance for NRI

How NRIs Can Buy Term Insurance Plans In India

Non-resident Indians (NRIs) or Persons of Indian Origin (PIOs) are essentially people whose birth, descent, or origin can be traced back to the Republic of India. These people live outside their home country, thereby making them non-residents of India. NRIs and PIOs may be residing abroad for any one out of the many reasons. Some go abroad to pursue higher education, while others may be employed in foreign countries. The NRI population also includes spouses, parents, and children of people who may have left India to be employed abroad.

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Term riders meaning and benefits explained

5 Term Riders and Their Benefits Explained

Riders are an add-on to the life insurance policy, providing additional benefits at nominal extra cost. A term insurance plan essentially provides income loss protection in the event of death of the life assured, which enables life assured’s family to continue their life goals journey. Whereas adding riders to your term insurance plan will help in getting additional cover for contingencies like critical illness or disability etc. In essence, riders help in maximizing the benefits of your term insurance cover. This enables policyholder to continue their life cover and provide financial security to their family for achieving their goals.

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Term insurance comparison

5 Term Insurance Comparison Factors

Term insurance is one of the most important part of financial planning tools for an individual. It provides life protection to the policyholder and ensures that their family’s life-goals aren’t derailed in their absence. A term insurance plan provides a lump sum payment to the nominee if the life assured is no more even though some term plans offer an additional advantage of returning the entire premium paid at the end of the policy term if the life assured survives the policy term.

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Term plan with return of premium

Term Plan With Return Of Premium – Know All About It

Many Life insurance customers have expressed their concern on losing out their money if no claims are made during the tenure of their term insurance plan. To address this, life insurance companies are offering term insurance plans with a return of premium option. It means that if the Life assured continues to live through the policy tenure then at the end of policy term the life insurance company returns all the premium paid towards the policy.

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Term insurance plans comparison

Term Insurance Comparison – Regular Vs Return Of Premium Term Plan

A term insurance plan is one of the most popular types of life insurance. It offers the financial security of a lump sum pay-out to beneficiaries in the event of death of the life assured. As the duration of the coverage is pre-decided in the policy document, it is referred to as term insurance or term life insurance. When an individual buys term insurance, he/she ensures that their family’s life goals do not get derailed if they are not around.

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Term insurance with maturity benefits

Do Term Insurance Plans Have Maturity Benefits?

Term insurance plans provide a financial cover to a family / dependents on the event of a death of the breadwinner of the family. The cover helps the family to continue their life goals journey and not hit upon a financial burden on the death of the breadwinner. Term insurance acts as a back-up to your family’s life goals, enabling them to continue pursuing their goals even in your absence by providing them a life cover But, in case nothing happens to the breadwinner of the family, term insurance plans do not provide any maturity benefit. However, a term insurance plan with return of premium option provides maturity benefit if the life assured survives the tenure of the term insurance policy. These plans allow life assured the option to recover the total premium invested in the term insurance policy if the life assured outlives the policy term. This becomes a great value addition for those customers who are seeking to get at least their premiums back, if they outlive the term insurance policy term

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Term life insurance

Term Life Insurance – Why Get Coverage Up To 99 Years

Life is uncertain and we try everything we can to minimise this uncertainty. Every day, we are exposed to countless risks of death and disability due to natural and accidental forces. We try not to talk about the inevitable - talking about the eventuality of death forces us to confront the transience of life. But it is important to stay prepared for all uncertainties like death, disability, accident, etc. If something were to happen to you, how will your family deal with it? The loss of life has massive emotional consequences, but it also has implications for the lifestyle of your family and everyone you leave behind. One way you can make provision for the well-being of your family and dependents is by buying term life insurance.

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How to avoid term insurance claim rejection

How To Ensure Your Term Insurance Claim Never Gets Rejected

Data available from the Insurance Regulatory Development Authority of India (IRDAI) proves that life insurance claim rejection is real. Life insurance companies settled 8,60,000 claims and rejected as many as 12,769 claims during FY 2016-17. If you don’t want your family to suffer in your absence, you should take all measures to ensure that your term insurance claim never gets rejected.

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Term insurance for smokers

Why Smokers need to invest in a Term Insurance Plan

A tiny cigarette doesn’t cost a lot. However, your smoking habits can cost you your health. Every smoker is not the same though. It is possible that you smoke but maintain a healthy lifestyle. However, whether you smoke rigorously or occasionally, it is recommended to buy term insurance to secure your loved ones in your absence.

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Term insurance for non-working spouse

Why a Non-Working Spouse needs a Term Insurance Plan

Being a housewife might seem easy to some people. However, the job of a housewife is as important as any other earning member of the family. From managing the entire household to looking after children, a housewife solely bears the whole responsibility. In spite of playing an essential part in the family, the role of a housewife is undervalued in our society. The fact that a housewife too has life-goals like pursuing hobbies or travelling could seem alien, but is a reality.

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Term insurance with critical illness rider

Why Get A Critical Illness Rider With Your Term Plan?

Availing additional riders on term plans enhances the value of coverage. These riders are either included in the policy or an individual can purchase it along with the base plan. The most commonly opted rider under a term plan is the critical illness rider. It covers the cost incurred towards treatment of critical illness of the life assured.

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Term insurance FAQs

10 Frequently Asked Questions About Term Plans

The top priority of every family man is the well-being of his family. Over the years, he strives hard to meet every life goal of his family. However, in his absence, there is no one to look after their financial needs. In that case, a term plan becomes essential. With a term plan, the nominees of the policyholders are protected after the demise of the policyholder. The provision of death benefit ensures their financial security in the long run.

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Term insurance monthly payout

Importance Of Monthly Income Payout In A Term Insurance Plan

Death is an inevitable part of our lives. The loss of the breadwinner of the family impacts us financially as well as emotionally. If not managed efficiently, one can experience a permanent financial downfall. One of the most popular life insurance products like term insurance plan provides financial protection to the family members in the absence of the policyholder. The nominees can choose to receive the pay-out either every month or in a lump sum depending on the conditions mentioned under the policy.

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Term Insurance: How Much Should You Be Insured For And For How Long?

Term Insurance: How Much Should You Be Insured For And For How Long?

Term insurance plan is affordable and offers not just tax benefits, but also peace of mind that your loved ones will continue to achieve their life goals even in case of your untimely demise.However, most of us might not have a clear.

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Why terms plan in life insurance is important for single women

Why terms plan in life insurance is important for single women

A ladies handbag is her "Armageddon Resource Centre", carrying everything ranging from tissues to snacks, from coins to a Swiss army knife, and from makeup to pepper spray. Naturally, because women.

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How To Save Income Tax By Investing In Term Life Insurance Plan

How To Save Income Tax By Investing In Term Life Insurance Plan

Every year, around the end of the financial year, we tend to seek out financial instruments which help us in tax planning and savings. Of these, buying a life insurance policy has always been a popular option.

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Term Insurance : Insurance That Costs Less Than Your Daily Chai

Term Insurance : Insurance That Costs Less Than Your Daily Chai

Paul Stanley once said "Youth is incredible because you really do feel invincible." Since young professionals feel nothing can go wrong at their age, they tend not to plan for.

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Term Insurance Benefits and Things To Consider Before Buying a Term Insurance Plan

Term Insurance Benefits and Things To Consider Before Buying a Term Insurance Plan

Safety is an important consideration for all of us. For instance, when we are driving, we make sure that we have our seatbelts on for our safety.

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Term Life Insurance Policy Riders: Why They Matter

Term Life Insurance Policy Riders: Why They Matter

The Oxford English Dictionary defines a rider as "A condition or proviso added to something already agreed". When added to your life insurance policy, riders can be an effective and powerful addition.

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Why Term Insurance Is important for Working Couples

Why Term Insurance Is important for Working Couples

Power couples are on the rise. We see more families where both partners are choosing to climb the corporate ladder. It's a myth that life insurance.

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8 Questions You Should Ask Yourself Before Buying a Term Insurance Plan

8 Questions You Should Ask Yourself Before Buying a Term Insurance Plan

Term insurance is the purest form of insurance where for a fixed premium, you cover yourself against any unforeseen contingencies.

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What Is Term Insurance And Why You Should Get One

What Is Term Insurance And Why You Should Get One

Due to a plethora of insurance options available in the market, a majority of customers tend to overlook the simplest type of insurance. 

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How To Choose The Most Suitable Term Insurance Plan In India For Yourself

How To Choose The Most Suitable Term Insurance Plan In India For Yourself

It is obvious for an investor to get confused due to numerous insurance options available in the market. To purchase the right term insurance plans in India, one must understand the basics of the policy.

 

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 5 Term Insurance Myths Debunked

5 Term Insurance Myths Debunked

When it comes to term insurance plans, there are tons of perceptions doing the rounds. The real identity of the term insurance plans is lost amongst the judgements made about it.

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Term Insurance Premium Calculator – Know Everything About It

Term Insurance Premium Calculator – Know Everything About It

Selecting the right type of term policy is an easy process. However, the availability of numerous options makes it tricky to pick the appropriate plan.

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5 Mistakes To Avoid While Buying Term Insurance

5 Mistakes To Avoid While Buying Term Insurance

Investment in a life insurance policy is worth all your hard-earned money as it provides for peace of mind to the policyholder.

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What Is Online Term Insurance And How To Buy One?

What Is Online Term Insurance And How To Buy One?

We dread the painstaking process of purchasing term policies. The lengthy process is cumbersome as well as time-consuming.

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Term insurance vs whole life insurance

Term Insurance Vs Whole Life Insurance - Which One Should You Get And Why

Life insurance plans provides for the protection of your entire family as well as allows them to accomplish their life goals even in your absence. While purchasing a policy, investors prefer either term plans or whole-life insurance policies. Since these two policies are always pitted against each other, the selection between them is a daunting task.

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Buy term insurance

How To Buy Term Insurance At Different Life Stages

Ideally, the right time to buy term insurance plans is at a younger stage of life. While a majority of policyholders buy early, the rest acquire these policies only when they plan on extending their family. When you buy term insurance plan, it secures your families from unannounced emergencies arising in the future. Opting for a term plan at the appropriate time ensures the accomplishment of your life goals with ease.

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Online term plan benefits

4 Benefits Of Online Term Plans

The emergence of E-commerce has gradually decreased the painstaking process of buying an insurance policy. The availability of online term plans has lessened the formalities. The prime aim of an online term policy is the convenience and affordability of the consumers. With online term plans, an individual can access his policy from any corner of the world at a single click.

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Importance of medical tests for term insurance

Why You Should Undergo Medical Tests Before Buying Term Insurance

Undergoing a medical test before purchasing a term policy plays a significant role. Ideally, these medical tests are essential for the determination of your health quotient. When a policyholder gets a medical examination done beforehand, the insurance companies provide them with customized plans based on such reports. Failure to do so could lead to undesirable repercussions in the long run.

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Term insurance benefits for millennials

4 Term Insurance Benefits For Millennials

There are multiple reasons to purchase a term life insurance policy. However, opting for the right term insurance plan play a significant role in the lives of every millennial. With term insurance, a millennial can protect his family from financial contingencies, which may arise after his death..

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Contact Us

Bajaj Allianz Life Insurance Company Ltd.

Bajaj Allianz House, Airport Road, Yerawada, Pune - 411 006, Maharashtra

Tel No: 020-66026773

Fax No: 020-66026789

Branch Visit Timings:

Weekdays - 9:00 AM to 3:30 PM

Saturday - 9:00 AM to 12:00 noon

Customer Care Helpline:

1800-209-7272

Monday to Saturday: 9:00 AM to 7:00 PM (IST)

For NRI: +91 20 67871700 (Call charges apply)

Monday to Saturday 9.00 AM to 7.00 PM (IST)

Sales Enquiry Helpline:

1800-209-4040

Monday to Saturday: 9:00 AM to 7:00 PM (IST)

For NRI: +91 20 67688888 (Call charges apply)

Monday to Saturday: 9:00 AM to 7:00 PM (IST)