Can I add a spouse in term insurance?

Yes, some term insurance plans let you include your husband or wife in the same policy. This means both of you get life cover together under one plan. Adding your spouse helps protect your family and gives peace of mind if anything unexpected happens.

What is term life insurance for spouse?

A spouse can use term life insurance to obtain coverage for their life. The insurance company will provide a sum assured to the nominated beneficiary when your spouse perishes while the policy remains active. The received insurance payment enables the family to cope with costs of living and manage debts while allocating funds toward upcoming financial requirements.

Spouse Term Insurance Plans in India 2025: Features and Benefits

Claim Settlement Ratio of 99.23%^~

Calling From	Phone Number (Toll Free)
AUSTRALIA	80037371371
CANADA
HONG KONG
ISRAEL
MALAYSIA
NEW ZEALAND
PHILIPPINES
SINGAPORE
THAILAND
UNITED KINGDOM
BRUNEI	8014605
INDONESIA	0018030160202
JORDAN	080023194
OMAN	80074363
TURKEY	00800142030059
VIETNAM	1800400070
UNITED STATES	18339680951
Calling us from INDIA	18002097272
Rest of the World	+912067871700 (Call charges apply)

Keep these Documents Handy
Photo	Colored Photo
PAN Card	PAN Card/ Form 60
Age proof (Any one)	Passport Aadhar card Driver’s License Birth Certificate Baptism Certificate of PAN card
Income documents (Any one)	Last 6 months Bank statement with salary credit Form 16 Last 3 years ITR with Computation of Income (COI) Last 3 months salary slip + Last 6 months bank statement showing salary credited
Address proof/ID proof (Any one)	Passport Aadhar card Voters ID Driver’s License

^*Above illustration is for Bajaj Allianz Life eTouch- A Non-Linked, Non-Participating, Individual Life Insurance Term Plan(UIN:116N172V04) considering Male aged 22 years | Non-Smoker | Policy Term (PT)– 30 years | Premium Payment Term(PPT)– 30 years | Sum Assured opted is Rs. 5,00,00,000 | Online Channel | Standard Life | 1st Year Premium is Rs. 18,038. 2nd Year onwards premium Rs. 19,257. Total Premium Paid is Rs. 5,76,491 | Medical Rates | Yearly Premium Payment Mode | Death benefit opted is lumpsum payout and monthly instalments (Lumpsum Payout Percentage: 45, Income Payout Percentage: 55) | Premium shown above is inclusive of Online Discount only and exclusive of Goods & Service Tax/ any other applicable tax levied, subject to changes in tax laws, and any extra premium and is for illustrative purpose only.For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale.

^**The output generated through calculator are on the basis of the data inputted by you and is being provided to you solely for your reference purpose and not to be construed as investment advice. Please seek independent advice from your insurance consultant before making any investment decisions. While proper caution has been taken in designing this calculator, Bajaj Allianz Life Insurance Co. Ltd. assumes no liability for the accuracy of the information and data provided in this tool.

^##Tax benefits as per prevailing Section 10(10D) and Section 80C of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy.Above Tax benefit is calculated considering deduction of Rs. 150,000 and applicable tax rate of 31.20%.

^@Term Insurance plan bought online directly from Bajaj Allianz Life Insurance has no commissions involved.

^{^^}Get Free Benefits up to ₹ 14,000 per year

S No.

Value Added Service

Frequency

Cost (₹)

Doctor Teleconsultations

Consultation per month
= 24 consultations per year

Average cost per session = ₹500
Total cost per year = ₹500 * 2 * 12 = ₹1200

Network Discounts
Medicines (M) - 10%, Lab Booking (L) - 10%,
In-Patient Hospitalization (P)- 5%,
Out-Patient Consultation (O) - 10%

Throughout the year

Assumption - Total Expenses of these throughout the Year	Total Discounts that can be availed throughout the year
M - ₹5,000	₹500
L - ₹5,000	₹500
O - ₹5,000	₹500
P - ₹10,000	₹500

Total per year as per assumptions

₹ 14,000

Note: The above mentioned costs are based on estimated average market price for respective services.

Bajaj Allianz Life Insurance Co. Ltd. | IRDAI Reg. No. 116

Get Your Life Goals, Done!

Tailored Life Insurance Solutions for your long-term Life Goals.

Term Insurance

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Savings Plans

Guaranteed Return Plans

Retirement Plans

Child Plans

Written ByShruti Gujarathi

AboutShruti Gujarathi

Shruti Gujarathi has 5 years of experience in the BFSI sector, and as Manager- Digital Marketing at Bajaj Allianz Life Insurance, manages digital and content marketing. She has had hands-on experience in content strategy, performance marketing and Strategic Alliances over a career spanning 10 years.

Reviewed ByRosy Pathak

AboutRosy Pathak

Rosy Pathak, AVP- Product and Brand Marketing at Bajaj Allianz Life Insurance carries over 17 years of experience in Marketing and a demonstrated history of working in the insurance industry. She is skilled in Product Management, Planning and Strategy, Project Management, Marketing and Communication.

What is Spouse Term Insurance?
Key Features
Benefits
When Should You Buy
How Does
Things to Consider While Selecting
Conclusion
Why Bajaj?
FAQs

What is Spouse Term Insurance?

Spouse Term Insurance is a type of life insurance plan. It gives life cover to both husband and wife in one single policy. You do not need to buy two different term insurance plans. Just one plan covers both partners. This makes it simple to manage and easy to pay for.

In this plan, if one partner passes away during the policy term, the other partner gets a fixed amount of money. This money is called the death benefit. It can help pay for daily expenses, school fees, house loans, or any other needs. Some policies also allow the plan to continue for the surviving partner. If both partners pass away during the policy term, the money is given to the nominee.

This type of plan is helpful for all families. But it is especially good if one spouse is not working. A non-earning partner may not be able to buy a separate term plan easily. But with Spouse Term Insurance, both husband and wife are protected. It gives equal support to both.

This plan is suitable for married couples, especially if they have children. It ensures that the family is safe, no matter what happens. Life is full of surprises, but with term insurance for spouse, your family’s financial future is more secure.

So, it is a smart and simple way to protect both partners and give your loved one’s financial support in tough times.

Key Features of Spouse Term Insurance Plans

Here are some key features of a Spouse Term Insurance plan:

Dual Coverage: Both husband and wife are covered under the same policy.
Single Premium Payment: You pay one premium for both lives.
Affordable: Usually cheaper .
Flexible Options: You can choose the coverage amount, tenure, and add-on benefits.
Death Benefit: If one partner passes away, the other gets the life cover amount.
Child Protection: If both parents die, the child or nominee receives the death benefit.
Tax Benefits: You may get tax benefits under Section 80C
(under old tax regime) and 10(10D) of the Income Tax Act
Add-on Riders: Some plans offer riders like critical illness rider , accidental death benefit rider, or accidental permanent total or partial disability benefit rider etc .

Benefits of Spouse Term Insurance Plans

Here are the key benefits of buying a Spouse Term Insurance plan:

Cost-Effective Coverage: You get term insurance
for both you and your spouse under a single, affordable plan.
Easy to Manage: Only one policy to track and renew.
Premium Waiver: If one partner dies, the premium for the other may be waived depending on the insurer and the policy option availed.
Financial Security: Helps the surviving partner manage household expenses.
Peace of Mind: Know your loved ones are protected.
Customizable: Add riders based on your family’s needs.

When Should You Buy a Spouse Term Insurance Plan?

Buying Spouse Term Insurance early in your marriage or family life is a smart move. The earlier you buy, the lower the premiums.

Here are some good times to buy this plan:

When both partners are working and have loans or EMIs.
When one spouse is not working and can't get an individual plan easily.
When you have children who depend on both of you.
When you want to plan ahead for financial security.

Buying early means better coverage at lower costs. It also ensures your partner doesn’t have to struggle financially during tough times in your absence.

How Does Spouse Term Insurance Plan Work?

Let’s understand how a Spouse Term Insurance plan works with a simple example.

You and your spouse buy a joint term insurance policy. You both are covered for a chosen sum assured
(say, Rs. 1 crore). If one of you passes away, the surviving spouse receives the sum assured. Some plans also waive future premiums for the living partner. If both partners pass away, the entire sum assured goes to the nominee .

You can choose between:

First Death Basis: Policy ends after the first partner dies.
Joint Life Basis: Cover continues for the surviving partner. Premiums may or may not be waived.

Things to Consider While Selecting a Spouse Term Insurance Plan

Choosing a Spouse Term Insurance plan is important as it helps protect your spouse financially if something unexpected happens. It ensures their future is secure and gives you peace of mind. Below are some key points to consider when selecting the right plan.

Sum Assured: Choose a cover that can handle future expenses.
Policy Term: Pick a term that covers your working years and responsibilities.
Premium Amount: Ensure the premium is affordable for your income.
Add-on Benefits: Consider riders like critical illness benefit rider or accidental death benefit rider etc .
Claim Settlement Ratio: Choose a company with a good claim settlement record.
Nominee Details: Mention your child or a trusted family member as the nominee.
Terms & Conditions: Read all the terms to avoid surprises later.

Conclusion

A Spouse Term Insurance plan is one of the simplest and smartest ways to protect your family’s financial future. It ensures that whether one or both partners face any unfortunate event, the family still has a financial backup. It is easy to manage, affordable, and provides peace of mind.

As life becomes more unpredictable, having such a plan means your loved ones won’t have to face financial struggles alone. Whether you're a young couple or parents with kids, this plan can be a strong step toward a secure future. Always check the policy terms, choose the right sum assured, and include add-ons that fit your needs.

Protect your partner, protect your family – start with Spouse Term Insurance today.

99.29%

Claim Settlement Ratio^~

1 Day

Get 1 Day Claim Approval^%

AAA

Stable Rating by CARE^$$

₹1,23,734 Cr

Assets Under Management (AUM)^**

3.85 Cr

Number of Lives Covered^#

359%

Solvency Ratio of 359%^{^^^}

Disclaimer:^~Individual Death Claim Settlement Ratio for FY 2024-2025 | ^%96.70% of non-investigative individual claims approved in one working day for FY 2023-24. 1 day is counted from date of intimation of claim before 3 PM on a working day (excluding Non-NAV days for ULIP) at Bajaj Allianz Life offices | ^$$For details refer to press release published by CARE | ^**All figures as on 31 March, 2025 | ^{^^^}Solvency ratio 359% as at 31 March 2025 against IRDAI mandated 150% | ^#Individual and group, as on 31 March, 2025.

Frequently Asked Questions

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I was introduced by my advisor to invest in Bajaj Allianz Life Insurance .I have invested in the same and am happy with the returns and services.

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Types Of Term Insurance Plans In India

Life may be great for the most part, but at some point, uncertainties and unexpected events may happen. They may be sudden job losses, pay cuts, or even accidents. And almost always, such incidents come with financial difficulties. This is particularly true when there is sudden

What Is Policy Term?

Even at the best of times, life can be unpredictable and emergencies can strike without a moment’s notice. Therefore, in order to never find yourself in a situation that is financially burdensome

Term Insurance With 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 Benefits 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 know the power of being prepared. Everything in that handbag

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Reviewed by Life Insurance Experts

Bajaj Allianz Life is a trusted insurance partner

At Bajaj Allianz Life, we are here to support you in building a secure and worry-free financial future. With over 24 years of experience, we provide a variety of life insurance plans, including protection, retirement, savings, investment and health, to meet your unique needs.

Most Searched on Bajaj Life

Disclaimers:

The views stated in this article are not to be construed as investment advice and readers are suggested to seek independent financial advice before making any investment decisions. For more details on risk factors, terms and conditions please read the sales brochure & policy document (available on www.bajajallianzlife.com) carefully before concluding a sale. Bajaj Allianz Life Insurance Company Ltd., Regd. office Address: Bajaj Allianz House, Airport Road, Yerawada, Pune - 411006, Reg. No.: 116, CIN: U66010PN2001PLC015959, Call us on toll free No.: 1800 209 7272, Mail us: customercare@bajajallianz.co.in

Tax benefits as per prevailing Section 10(10D) and Section 80C (under old tax regime) of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy.

BJAZ-WEB-EC-14954/25

^*Above illustration is for Bajaj Allianz Life eTouch II - A Non-Linked, Non-Participating, Individual Life Insurance Term Plan (UIN:116N198V01) considering Female aged 25years | Non-Smoker | Policy Term(PT)– 30 years | Premium Payment Term (PPT)– 30 years | Sum Assured opted is Rs.1,00,00,000 | Online Channel | Standard Life | 1st Year Premium is Rs. 4,551. 2nd Year onwards premium Rs. 4,934. Total Premium Rs. 1,47,637 | Medical Rates | Yearly Premium Payment Mode | Death benefit opted is lumpsum payout and monthly instalments (Lumpsum Payout Percentage: 40, Income Payout Percentage: 60). Income payout instalment opted for 40 years | Premium shown above is inclusive of Online Discount only, no other discounts have been considered and exclusive of Goods & Service Tax/ any other applicable tax levied, subject to changes in tax laws, and any extra premium and is for illustrative purpose only. For more details on risk factors, terms and conditions please read sales brochure & policy document (available on www.bajajallianzlife.com) carefully before concluding a sale.

^##Tax benefits as per prevailing Section 10(10D) and Section 80C of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy. Above Tax benefit is calculated considering deduction of Rs. 150,000 and applicable tax rate of 31.20%.

^$Term Insurance plan bought online directly from Bajaj Allianz Life Insurance has no commissions involved

^{^^}Get Free Health Management Services upto Rs. 36,500 per year for women

Health Management Services for Women
Service	Frequency	Cost (₹)
Comprehensive Health Check-Up: - Cancer Screening - Diabetic, Thyroid, Lipid profile tests - Calcium Serum test - Complete Blood Count test	1 per year	₹ 3,500
OPD^^ in-clinic consultations (Specialist doctors like Gynaecologist, Obstetrician, Dermatologist, Paediatrician, Orthopaedic & General Physician) ^OPD = Outpatient Department	1 per year	₹ 1,000
Pregnancy OPD^ wallet (OPD^ benefit worth ₹ 2,000 unlocked in case of pregnancy)	Once during policy term	Not considered in yearly cost since this is available once during policy term
Doctor Insta-Consultations
Health Coach (Diet & nutrition consultations)	1 consultation per month = 12 consultations per year	Average cost per session = ₹ 500 Total cost per year = ₹ 500 * 12 = ₹ 6,000
Emotional Wellness (Psychologists consultations)	1 consultation per month = 12 consultations per year	Average cost per session = ₹ 500 Total cost per year = ₹ 500 * 12 = ₹ 6,000
Network discounts: Medicines (M) - 10% Lab-test booking (L) - 10% Out-patient consultation (O) - 10% In-patient consultation (P) - 5%	Throughout the year
Assumption - Total expense on these services throughout the year	Total discounts that can be availed throughout the year
M = ₹ 5,000	₹ 500
L = ₹ 5,000	₹ 500
O = ₹ 5,000	₹ 500
P = ₹ 10,000	₹ 500
Total per year as per assumption		₹ 36,500

Note: The above mentioned costs are based on estimated average market price for respective services. T&C apply.

Doctor Insta-Consultations and Health Coach Services are unlimited and the above numbers are assumed only for the purpose of calculation of the yearly benefit.

Bajaj Allianz Life Insurance Co. Ltd. | IRDAI Reg. No. 116

Bajaj Allianz Life Goal Assure IV with 10X Life Cover²

BUY NOW

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.

Bajaj Allianz Life Goal Assure IV with 10X Life Cover²

Starting from ₹ 3000/ Month¹

Zero LTCG Tax^$

Buy Now

^Subject to Section 10 (10D) conditions i.e. aggregate annual premium for ULIP policies issued on or after 1st February 2021 does not exceed Rs. 2.5 Lakhs.

¹Minimum premium mentioned is applicable for Bajaj Allianz Life Goal Assure IV - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L204V01) and is subject to policy terms and conditions.

^#Source: https://economictimes.indiatimes.com/investments-marts/eight-crucial-numbers-to-ensure-financial-success/10-times-the-annual-income-is-your-life-insurance/slideshow/16699748.cms . Subject to availability in Bajaj Allianz Life ULIP Plans. For more details on risk factors, terms and conditions please read sales brochure & policy document (available on www.bajajallianzlife.com ) carefully before concluding a sale.

*Benchmark: Nifty 500 Multicap Momentum Quality 50 Index past 5 CAGR Returns, as on 31st December 2024. Past returns of a fund are not necessarily indicative of the future performance of the fund. | Please consult the financial advisor before investing.

The Unit Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of the fifth year.

ULIPs are different from the traditional insurance products and are subject to the risk factors. The premium paid in ULIPs are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. Bajaj Allianz Life Insurance Company Limited is only the name of the Life Insurance Company and Bajaj Allianz Life Future Wealth Gain IV - A Unit- linked Non- Participating Individual Life Savings Insurance Plan (UIN:116L202V01), Bajaj Allianz Life Goal Assure IV - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L204V01), Bajaj Allianz Life LongLife Goal III is A Unit-linked Non-Participating Whole Life Insurance Plan (UIN:116L203V01), Bajaj Allianz Life Invest Protect Goal III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L205V01), Bajaj Allianz Life Magnum Fortune Plus III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L207V01), Bajaj Allianz Life Goal Based Saving III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN:116L206V01) and Bajaj Allianz Life Smart Wealth Goal V - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L201V01) are only the name of the unit linked insurance contracts and does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. For more details on risk factors, terms and conditions please read sales brochure & policy document (available on www.bajajallianzlife.com ) carefully before concluding a sale.

Nifty 500 Multicap Momentum Quality 50 Index Fund is available Bajaj Allianz Life Future Wealth Gain IV - A Unit- linked Non- Participating Individual Life Savings Insurance Plan (UIN:116L202V01), Bajaj Allianz Life Goal Assure IV - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L204V01), Bajaj Allianz Life LongLife Goal III is A Unit-linked Non-Participating Whole Life Insurance Plan (UIN:116L203V01), Bajaj Allianz Life Invest Protect Goal III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L205V01), Bajaj Allianz Life Magnum Fortune Plus III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L207V01), Bajaj Allianz Life Goal Based Saving III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN:116L206V01) and Bajaj Allianz Life Smart Wealth Goal V - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L201V01)

In addition to the already existing funds, Nifty 500 Multicap Momentum Quality 50 Index Fund is now available with the above mentioned products. Customer has an option to choose from other available funds apart from Nifty 500 Multicap Momentum Quality 50 Index Fund.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS

IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

CIN: U66010PN2001PLC015959 | Registered Office Address: Bajaj Allianz House, Airport Road, Yerawada, Pune-411006, Maharashtra

Email: customercare@bajajallianz.co.in | Tollfree: 1800 209 7272

Disclaimer: Images used on this website and the models photographed in them are for representative purposes only and are not indicative of anyone's personal thoughts or ideas.

The Logo of Bajaj Allianz Life Insurance Co. Ltd. is provided on the basis of license given by Bajaj Finserv Ltd. to use its “Bajaj” Logo and Allianz SE to use its “Allianz” logo.

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Disclaimer

For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. The terms and conditions of product/plan as contained in the Policy Document issued by the Company is available on the Web Site. The names of the Company, Products/Plans/funds do not indicate the quality and its future prospects or returns. IN ULIPs, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. Unlike traditional products, Unit linked insurance products are subject to market risk, which affect the Net Asset Values & the customer shall be responsible for his/her decision. Tax benefits are as per the prevailing Income Tax Laws including the Income Tax Act, 1961 and are subject to change from time to time. Goods and Services Tax will have to be borne by the Policyholder as per applicable rates. All other charges shall be levied in accordance with the terms and conditions of the policy.

This calculation and results displayed are based on information provided and certain assumptions about the rates of return. It is for assistance only and does not constitute an offer or solicitation. It is not intended to be and must not alone be taken as the basis for an investment decision. Kindly note that the returns are only illustrative and they are not guaranteed. The returns do not indicate the upper or lower limits of the return that you may get with your policy and the value is dependent on a number of factors including future performance. Bajaj Allianz Life Insurance Company Limited shall not be in any way responsible for any loss or damage that may arise to any person from any inadvertent error in the information reported by the calculator.

¹©2021 Morningstar. All Rights Reserved. The Morningstar name and logo are registered marks of Morningstar, Inc. The information, data, analyses and opinions ("Information") contained herein: (1) include the proprietary information of Morningstar and its content providers; (2) may not be copied or redistributed except as specifically authorized; (3) do not constitute investment advice; (4) are provided solely for informational purposes; (5) are not warranted to be complete, accurate or timely; and (6) may be drawn from fund data published on various dates and procured from various sources. Morningstar, its affiliates, and its officers, directors and employees shall not be liable for any trading decision, damage or any other loss arising from using the Information. Please verify all of the Information before using it and do not make any investment decision, except upon the advice of a professional financial adviser. Past performance is no guarantee of future results. The value and income derived from investments may go down as well as up

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Spouse Term Insurance Plan

What is Spouse Term Insurance?

Key Features of Spouse Term Insurance Plans

Benefits of Spouse Term Insurance Plans

When Should You Buy a Spouse Term Insurance Plan?

How Does Spouse Term Insurance Plan Work?

Things to Consider While Selecting a Spouse Term Insurance Plan

Conclusion

Why Bajaj Allianz Life Insurance ?

Claim Settlement Ratio~

Get 1 Day Claim Approval%

Stable Rating by CARE$$

Assets Under Management (AUM)**

Number of Lives Covered#

Solvency Ratio of 359%^^^

Frequently Asked Questions

Customer Speaks

Popular Searches on Term Insurance for Women

Most Searched on Bajaj Life

Returns upto 26.7%*

Claim Settlement Ratio^~

Get 1 Day Claim Approval^%

Stable Rating by CARE^$$

Assets Under Management (AUM)^**

Number of Lives Covered^#

Solvency Ratio of 359%^{^^^}