Buy Best Term Insurance Plan and Policy Online in India 2026

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Diabetic Term Plan II

Term Plan for women

Written ByPalak Bagadia

AboutPalak Bagadia

Palak Bagadia, Associate – Digital Marketing at Bajaj Life Insurance, with experience spanning content and performance marketing, recruitment, employee engagement in the BFSI industry, with a strong understanding of the insurance sector.

Reviewed ByRosy Pathak

AboutRosy Pathak

Rosy Pathak, AVP- Product and Brand Marketing at Bajaj 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 Term Insurance?
Why Term Insurance Is Important?
How Does Term Insurance Work?
What Happens If You Survive?
What You Need to Know?
Term Insurance Plans from Bajaj Life Insurance
Which is the Best Age to Purchase
Who Should Buy?
What are the Different Types?
What Does Term Insurance Cover in India?
What Are Term Insurance Riders?
Different Types of Term Insurance Riders in India
Term Insurance Premium Calculator
How Are Term Insurance Premiums Calculated?
Term Insurance Eligibility in India
Medical Test for Term Insurance – Is It Compulsory?
What Documents Are Required?
Can We Buy Term Insurance Online?
Benefits of Buying Term Insurance Online
How to Buy Term Insurance Online?
Can We Buy Multiple Term Insurance Plans
Will Claim Be Paid From Multiple Term Insurance Policies?
What Happens If My Term Insurance Policy Lapses?
What Happens After the Term Insurance Grace Period Ends?
How Do You File a Term Insurance Claim Successfully?
What Are the Tax Benefits?
What Are the Common Mistakes
Why Choose Bajaj Life Term Insurance Plans?
Why Bajaj Life Insurance ?
FAQs

What is Term Insurance?

Term insurance is a life insurance plan that pays a death benefit to the nominee(s) in the event of the death of the life assured during the policy term. The death benefit is disbursed to the nominee either as a lump sum or in periodic intervals, subject to the policy terms and conditions and the option chosen. The plan does not include any savings, investment, or maturity value.

Check out this video to understand what is Term Insurance and why you need one?

Why Term Insurance Is Important?

Let’s take a simple example.

Akash is 30 years old and is the sole earning member in the family. He is married, has two little kids, and has taken a home loan. Unfortunately, Akash meets with an unexpected death. Now, how will his wife manage all the day-to-day expenses and the loan if she has no regular source of income?

That’s where the term insurance plan death benefit comes in. It can help manage expenses like:

Pay school and college fees
Cover daily expenses
Repay loans (home loan, car loan etc.), if any
Manage medical as well as emergency costs
Support basic family needs
Maintain the family’s standard of living

With term insurance, Akash’s family can live their life without major financial setbacks even in his absence.

How Does Term Insurance Work?

The following is a simple breakdown of a term insurance plan works:

Pick the plan that suits you
- Check the available options of term plans.
- Determine the coverage required and term for which you need coverage
- Fill out the application and necessary physical examination form.

Premium is calculated

Premiums are calculated based on different parameters like your age, health and lifestyle habits (e.g. smoking, tobacco, drinking).

Let' see a quick comparison of how smoking increases the premium for a 30-year-old individual:

Name	Ravi^*	Ajay^**
Age	30 years	30 years
Smoking Status	Smoker	Non-smoker
Education	Graduate	Graduate
Employment Type	Salaried (Non-Government)	Salaried (Non-Government)
Bajaj Term Insurance Plan	Bajaj Life eTouch II	Bajaj Life eTouch II
Life Cover	₹1.5 crore	₹1.5 crore
Premium Payment Term	15 years	15 years
Monthly Premium	₹1249	₹636

A smoker pays almost double the premium as compared to a non-smoker for the same life cover. This is because smoking increases the risk of major health issues.

Based on your age, health habits, and the coverage amount selected, the insurer provides a quote.

You can also use our term insurance calculator to quickly get a rough estimate of your premium.

Submit the application

Once you have decided on the cover you can submit the application form and the necessary documents listed by the insurance company. This also involves undergoing medical tests, if required by the insurance company.
Underwriting and approval

The insurance company’s underwriters review your application and medical test results to assess the risk. If all the information meets the criteria, your term insurance plan application is approved.
Start paying premiums

Once your policy is approved, your premium payment starts as per the chosen payment term and frequency like , monthly, quarterly, half yearly or annually. The term insurance plan stays active as long as the premiums are paid on time.
Death Benefit

In case of your (the life assured’s) unfortunate demise during the policy tenure, the insurance company will pay the sum assured under the policy to your appointed nominee(s) or beneficiaries as per policy terms and conditions. This sum assured will help them in managing daily expenses, debts, or any other future plans.

What Happens If You Survive the Term Insurance Plan?

In a pure term insurance plan, the term plan lapses at the end of the selected policy term and no pay out is made, if you survive the policy term.
In case you have selected a term plan with return-of-premium, the insurance company would provide you with the return of premium i.e., repay the premiums you paid during the policy tenure based on the terms of the plan.
At the end of the policy term, you can reassess your financial needs. It is up to you to purchase a new plan or change to another plan, based on your responsibilities and future goals.

Term Insurance Plans and GST: What You Need to Know?

Before 22 September 2025, GST was applicable on the premium amount paid for term insurance. This raised the overall price of the individual term insurance plans, which became costlier to the life assured.
Since 22 September 2025, the amount of GST levied on personal term insurance plans is 0% ^[1]. This implies that the policyholder will not pay an additional amount, but only the actual base premium. However, group term insurance plans are still subject to GST of 18%.
The revised GST structure is explained below:

Type of Term Insurance Plan	GST before Sept 2025	GST after Sept 2025	Total Payable on Rs. 10,000 Premium
Individual Term Insurance	18% GST	0% GST	10000+0 = 10000
Group Term Insurance	18% GST	18% GST	10000+1800 = 11,800

Term Insurance Plans from Bajaj Life Insurance

Which is the Best Age to Purchase Term Insurance Plan ?

Buying a term insurance plan early, in your 20s, is helpful as the insurers view younger applicants as lower risk and may provide lower premium rates.

Starting early may also mean no or minimal medical tests, depending on the insurer’s requirements.

Buying Term Insurance Across Life Stages

A. In Your 20s

Cheaper & Best Time to Buy

Low Premiums
No/Minimal Medical Tests
Long-Term Coverage

Start early and lock in low premiums!

B. In Your 30s

Financially Protect Your Family

Moderate Premiums
Medical Tests(may be required)
Increasing term plans can help cover home loans, education, and other long-term expenses

An increasing term plan can help match coverage with rising income.

C. After 40s

Still Important, But Premiums May be Higher

Higher Premiums
Medical Tests Required
Limited Coverage with Health Issues
Protect Dependents & Loans

Even later in life, coverage matters.

Term Insurance Across Life Stages

Who Should Buy A Term Insurance Plan?

Term Insurance for Parents

In India, parents have responsibilities for their children, from education fees to daily expenses, until they become financially independent. The early demise of a parent leaves the child emotionally and financially shattered. A well-thought term insurance plan ensures your child’s future is financially safe and covered.
Term Plan for Married Couples

Marriage comes with sharing dreams as well as responsibilities. The unfortunate loss of a partner/spouse can affect the financial circumstances of the family. A term plan can be considered as part of financial planning to help manage financial matters and other future goals in the absence of a partner.
Term Plan for Working Women

Today a lot of women prefer working and financially supporting their parents and/or other family members. The sum assured ensures that your dependents have enough corpus to meet their financial needs in the event of an unexpected death.
Term Plan for Young Professionals

Young people in the early years of their career often feel that a term plan is something to be purchased later in life. But that’s a common misconception. In fact, when you buy a term plan early it is more affordable with less premium amount and gives longer financial protection.
Term Plan for Taxpayers

The Indian Govt. offers tax benefits^[16] under the Income Tax Act of 1961. You can claim a deduction of up to ₹1.5 lakh annually (on premium paid) under Section 80C in case of old tax regime. Additionally, the death benefit received by the nominee is also tax-free under Section 10(10D)^[2].
Term Plan for Homeowners

A home loan is typically a long-term financial commitment and incase of the unfortunate demise of the life assured during the loan repayment period the burden of repaying the loan amount can fall on the family. To ease this burden and secure the home, a term plan can be a reliable option. The death benefit from the term plan can help repay the home loan.
Term Insurance for NRIs

NRIs (Non-Resident Indians) staying away from their families have the responsibility of financially securing their loved ones. If something unexpected happens, a term plan ensures your family continues to receive financial support, in your absence.
Expert Insight:

For instance - If an NRI earns ₹50 lakh annually, experts recommend buying a ₹5 crore term insurance plan^[3]. However, considering the expenses of international education and if the partner is not earning, the ideal cover may rise up to ₹7-10 crore^[3].
Term Insurance for Diabetics

People with diabetes can use a term plan to plan for their family’s financial future in their absence. Depending on medical condition and history, insurers may offer term insurance options that help build a robust safety net for your loved ones.
Term Plan for Senior Citizens

Even after 60 years, some senior citizens still have certain financial responsibilities to fulfill like outstanding debts, medical expenses etc. A term insurance plan can help provide financial support to your loved ones so that they aren’t burdened by these responsibilities in your absence.

What are the Different Types of Term Insurance Plans?

A term insurance plan isn’t just one-size-fits-all. Depending on where you are in life and what your financial goals are, there are different types of term insurance plans to suit your financial needs:

Type of Term Insurance	What it Means	Why It’s Good
Level Term Plan	The sum assured stays the same for the whole term.	Easy to understand, affordable.
Increasing Term Plan	The sum assured grows over the course of the policy term.	Helps keep up with rising needs.
Decreasing Term Plan	The sum assured decreases over the course of the policy term.	Affordable premiums, beneficial if you have home loans.
Return of Premium (ROP)	You get all premiums paid back if you survive the term.	Financial Protection + you get your premiums back if the insured outlives the policy term
Convertible Term Plan	Can change into a whole life plan later	Flexible, no extra medical tests
Group Term Insurance	Offered by employer or organization to cover its employees	Affordable, simple, sometimes no medical tests

What Does Term Insurance Cover in India?

A term insurance plan in India provides a death benefit to your nominee if you pass away during the term plan. While most term plans cover many death scenarios, there are certain exclusions that are worth knowing.
Understanding what is covered and what is not covered can prevent your nominee from claim-related surprises later and ensure they receive the maximum benefits possible.

Types of Death Covered in Term Insurance	Types of Death Not Covered in Term Insurance ^[4]
Natural death	Suicide within first 12 months
Death due to illness	Death during criminal activity
Accidental death	Murder of the policyholder (if nominee is involved in the murder)
Death due to medical conditions	Death due to risky hobbies (skydiving, racing, etc.)
Deaths due to natural disasters	Death under the influence of smoking, alcohol, or drugs if it is detected by the insurer during claim assessment.
	Death occurring directly due to pregnancy or childbirth complications.
	Death due to HIV/AIDS is generally not covered, though some insurers may offer coverage based on medical underwriting and policy terms.
	Non-disclosure of medical history of the life assured.

Hear from the expert on Term Life Insurance

Bajaj Life eTouch II is a comprehensive term insurance plan designed to safeguard you and your loved ones against life’s uncertainties—including death, terminal illness, and disability. With flexible premium payment options and the innovative Premium Holiday feature, it aligns seamlessly with your financial planning goals. Additionally, it offers valuable health management services, making it a smart and well-rounded solution for today’s protection needs.

Tarun Chadha SVP - Product Management

What Are Term Insurance Riders?

Think of term insurance riders as an extra financial protection you add to your basic/main term plan. Adding a rider is easy. You just have to pay a little extra premium along with your regular term insurance premium.
Adding riders to the base plan makes your coverage more comprehensive and you can be better prepared for unforeseen situations. Besides helping your family’s financial future, term insurance riders also help in managing financial crunches during difficult times.

Different Types of Term Insurance Riders in India

Here are a few common term insurance riders that are generally available:

Accidental Death Benefit Rider
Accidental Death Benefit Rider gives additional payout in case the life assured passes away due to an accident, as defined by the insurer.

Example:

For instance Rahul purchases a ₹1 crore Term Insurance Plan. He also chooses to include an optional Accidental Death Benefit Rider of 30 lakh. Now, here are two scenarios:

1^st scenario:
- Rahul dies because of a heart attack.
- His nominee is assured a death benefit of ₹1 crore.
2^nd scenario:
- Rahul dies in a road accident.
- His nominee gets ₹1 crore (basic sum assured) + 30 lakh (Accidental Death Benefit Rider Payout) = 1.30 crore total.
Critical Illness Benefit Rider
Under Critical Illness Benefit Rider, the insurer pays a rider payout if the life assured is diagnosed with a critical illness listed under the rider.

Example:
- Rohan purchases a term insurance policy of ₹1 crore and a ₹ 20 lakh Critical Illness Rider. Rohan is later diagnosed with cancer (covered under the rider) after a few years.
- The insurer pays ₹20 lakh to Rohan to cover his treatment, medicines and other hospital expenses. The base coverage that is the ₹1 crore sum assured continues according to the policy.
- In case Rohan dies later during the plan tenure, his nominee will receive the sum assured of ₹1 crore as per the terms and conditions of the term plan.
Permanent and Partial Disability Rider
This term insurance rider provides a lump sum benefit if an accident causes permanent or partial disability such as loss of eyesight, loss of one a limb or both, etc.

Example:

After a nearly deadly accident, Ravi loses both legs and cannot continue working. The insurer pays the Permanent and Partial Disability Rider Payout as per rider terms to replace his lost income and sustain the family members dependent on him.
Waiver of Premium Rider
If the policyholder suffers a critical illness or injury or disability that prevents them from working or earning-as defined by the insurer-the Waiver of Premium Rider waives all future premiums. There is no payout, and the base term plan continues unchanged.

Example:
- Let’s say Ankit buys a ₹1 crore child based insurance plan with a Waiver of Premium Rider for 20 years and pays a yearly premium of ₹15,000.
- After 5 years, Ankit is diagnosed with cancer, a specified critical illness covered under the Waiver of Premium Rider.
- In such situation, he may need a major portion of his income for the treatment and may struggle to pay the premiums.
- Under such circumstances, the insurer waives all future premiums, while continuing the plan.
- If Ankit passes away during the term plan, his family will receive full benefit of ₹1 crore.

Did You Know?

According to recent reports in the industry, it has been revealed that most Indian families are increasingly buying insurance policies with add-ons^[19]. While men are more inclined towards Accidental Death Benefit Rider, women are increasingly choosing the Critical Illness Riders^[19].

Choose the Best Term Insurance Plan As per Your Needs

Below are the important factors of choosing the best term insurance plan in India for your family’s financial security.

Number One Term Insurance Plan Based on Coverage Amount

Your sum assured should reflect current financial responsibilities and future needs. Consider existing loans, children’s education, and living expenses while choosing coverage.

10 Crore Term Insurance

5 Crore Term Insurance

3 Crore Term Insurance

2 Crore Term Insurance

1.5 Crore Term Insurance

1 Crore Term Insurance

Number Two Term Insurance Plan Based on Policy Term

Select a term that covers your key life stages, until retirement or until major financial goals are met, to ensure consistent protection.

40 Years Term Insurance

30 Years Term Insurance

25 Years Term Insurance

20 Years Term Insurance

15 Years Term Insurance

10 Years Term Insurance

5 Years Term Insurance

Number Three Term Insurance Plan Based on Affordable Sum Assured

An affordable sum assured helps you get term insurance plan at an affordable premium. Secure your family’s future while staying within budget.

75 Lakh Term Insurance

50 Lakh Term Insurance

30 Lakh Term Insurance

25 Lakh Term Insurance

Number Four Term Insurance Plan According to Your Age

Younger policyholders benefit from lower premiums. As you age, premiums rise, and coverage options narrow, making early selection more cost-effective.

Term Insurance Plan in 20s

Term Insurance Plan in 30s

Term Insurance Plan in 40s

Term Insurance Plan in 50s

Number Five Term Insurance Plan Based on Your Salary

A plan sum assured of covering at least 10 times your –15 times your annual income¹ is generally recommended to maintain your family’s standard of living after your death.

45k Salary Term Insurance Plan

40k Salary Term Insurance Plan

35k Salary Term Insurance Plan

30k Salary Term Insurance Plan

25k Salary Term Insurance Plan

Number Six Term Insurance Plan for All

Choose a plan that suits your profile, whether salaried, self-employed, homemaker, or NRI. Bajaj Life Insurance offers various options to align with diverse financial needs.

Term Insurance for NRIs

Term Insurance for Family

Term Insurance for Senior Citizens

Term Insurance for Self-Employed

Term Insurance for Parents

Term Insurance for Women

Term Insurance for Housewife

Term Insurance for Smokers

Term Insurance Premium Calculator

Term insurance premium is the amount you pay monthly, quarterly, half yearly or yearly to keep your term plan active. It depends on your age, health condition, lifestyle habits, sum assured and term plan.

Calculating term insurance premium is simple and easy with a term insurance calculator. A term insurance calculator helps you:

Calculate how much premium you need to pay
Determine the right coverage based on your age and income
Choose suitable add-on riders for extra protection
Select the ideal policy tenure based on your financial goals

Use our online Term Insurance Calculator to check your premium instantly and choose the right term plan for your family today.

How Are Term Insurance Premiums Calculated?

Here are the factors affecting your term insurance premium –

Age of the Policyholder

Term insurance for young individuals in their 20s generally pays less premium than people in their 30s or 40s. This is because younger people are at a lower risk of developing serious illness. As you grow older, the risk increases and so does the premium.

Gender

Women typically live longer than men^[6], hence the insurer usually charges lesser premium for women than men for the same term plan with the same coverage.

Sum Assured

This is basically the coverage amount you choose like ₹1 crore,₹2 crore, etc. A higher sum assured means your nominee receives greater financial support but the premiums are also higher.

Policy Term

This is the duration for which the term plan remains active. Buying a policy at younger age typically allows you to choose a longer term at relatively lower premiums.

Health and Lifestyle

If you have any existing illnesses, smoking or drinking habits or your family has a certain medical history, then you may have to pay slightly higher premiums than other healthy individuals of the same age.

Add-on Riders

Bajaj Life Insurance offers a number of add-on riders like Accidental Death Benefit Rider, Waiver of Premium Rider, Critical Illness Benefit Rider and Permanent and Partial Disability Rider, etc. These term insurance riders enhance your coverage and offer financial protection at an additional nominal premium.

Occupation

If you work in a high-risk profession like construction, mining, firefighting or aviation, your term insurance premiums are slightly higher. This is because insurers categorize these jobs as hazardous and prone to accidents or health risks.

Factors Affecting Term Insurance Premiums

Term Insurance Eligibility in India

Before buying a term insurance plan in India, it is important that you know the eligibility criteria mentioned by the insurer. These criteria define the basic conditions that need to be met for processing and approving the application.

However, the eligibility requirements may vary from insurer to insurer, so individuals should check the policy terms and conditions carefully before purchasing.

Lets cover them in the table below:

Factor	Eligibility Requirement / Details
Minimum Age	18 years^[7]
Maximum Age at Entry	Generally up to 65 years, though some insurers may allow entry up to 70 years^[7]
Policy Term	5 to 40 years^[7]
Nationality	Indian citizens, NRIs, PIOs^[5] subject to IRDAI rules and insurer’s underwriting.
Income	No specified income range, but coverage is often 10-15 times the annual income^[9].

Medical Test for Term Insurance – Is It Compulsory?

If you are planning to buy term insurance online, one common question is: Is medical test compulsory for term insurance?
The answer depends on various factors mainly your age, health profile and the coverage amount you choose.
Some insurers don't ask for medical tests if you are in your 20s and have no medical history.
However, if you are older and opting for a higher sum assured, say ₹1 Crore, then a medical test is mandatory before you can buy a term insurance plan online or offline.

Common Medical Tests Needed for Term Insurance^[10]

Standard Tests:

Complete Blood Count (CBC)
Blood Sugar (Fasting & Random + HbA1c)
Lipid Profile
Liver Function Test (LFT)
Kidney Function Test (KFT)
Urine Analysis
Electrocardiogram (ECG)
Chest X-ray
BMI
Blood Pressure
HIV/Hepatitis

Additional Tests (for older applicants or high coverage term insurance plans):

Stress tests (TMT)
Lung function tests (spirometry)
Ultrasounds
Eye examinations
Pulmonary Function Test as Additional Tests

Age-Specific Evaluations (for senior citizens):

Cognitive Assessments
Bone Density Tests

What Documents Are Required to Buy Term Insurance?

Below is a simple list of documents^[11] required to buy term insurance in India.

Identity Proof (KYC Documents)
- Aadhaar Card
- PAN Card
- Passport
- Voter ID
- Driving Licence
Address Proof
- Aadhaar Card
- Passport
- Utility bills (electricity, telephone, water, gas – usually not older than 2 months)
- Bank statement
- Property or Municipal Tax receipts
Medical Reports (If Needed)
- Most insurance companies don’t always require any medical test report before buying a policy, but some may ask for one for verification. Since, if any condition is missed or considered undisclosed, the insurer may reject your claim.
- To avoid this, medical test reports are needed. If your policy is approved, the insurance company usually pays for your medical tests.
- The insured has a free look period of 15 days (or 30 days for electronic or distance policies) from the date of receiving the policy to review its terms. If the insured has not made any claim during this free look period, they are entitled to a refund of the premium, after deducting medical examination costs and stamp duty charges^[10].
- This all depends on the insurer’s product and underwriting policy.

Can We Buy Term Insurance Online?

Yes, you can buy term insurance online in India without any difficulties. Bajaj Life Insurance offers 100% digital buying process making it convenient to secure a safety net for your family from the comfort of your home or office.

Buying term insurance online not only saves time but is also affordable. This is because there is no middlemen or agent commission involved and hence the premiums are low.

Benefits of Buying Term Insurance Online

Lower Premiums

No Agent Commission, More Affordable

Easy Comparison

Compare Different Plan Features & Rider Benefits

Paperless Process

Upload Documents Online

Faster Policy Issuance

Quick Digital Approval

Secure Payment Options

UPI, Net Banking, Cards

Benefits of Buying Term Insurance Online

How to Buy Term Insurance Online?

Below are a few simple steps to buy a term insurance plan online instantly:

Go to the official website of the insurer.
Enter your details, such as age, income, and required sum assured, in the premium calculator.
Check the premium and choose the policy term
Add riders (if required).
Fill in personal, nominee and medical details.
Upload KYC and income proof.
Complete medical test (if required).
Submit your application for underwriting.
Once approved, you can pay the premium amount and the policy document will be sent to you.

Note - Bajaj Life Insurance facilitates Bima-ASBA, a secure UPI-based payment method. When you submit the application form, you can opt for BIMA-ASBA which allows you to block funds in your bank account for premium payments. Instead of debiting the premium amount immediately, it is held in your account through a UPI One-Time Mandate, as per IRDAI regulations^[17], for a maximum period of 14 days or until the underwriting decision is made, whichever is earlier.

Can We Buy Multiple Term Insurance Plans in India 2026?

Yes^[20], you can purchase multiple term insurance policies in India with various insurers to enhance t financial safety. However, you should also be truthful and disclose all the existing term insurance policies to the insurer at the time of application. The absence of disclosure may result in refusal of claims in the future.

Multiple Term Insurance Plans in 2026

Buying multiple term insurance policies is useful when:

You want higher sum assured
Your income has increased and you need more coverage
You want separate policies for home loan, family expenses, or child education

Will Claim Be Paid From Multiple Term Insurance Policies?

Yes, in case of the life assured’s death, the nominee will receive death benefit as per the term plan from each insurer. However, the nominee must file separate claims with each insurer.
Buying multiple term insurance plans does not reduce claim eligibility if all the information and the documentations are correct.

What Happens If My Term Insurance Policy Lapses?

If you do not pay your term insurance premium, your policy does not lapse immediately. You get a grace period of 15 days for monthly payments and 30 days for quarterly, half-yearly, or annual payments^[13]. If the premium is not paid within this period, then the policy lapses and your life cover stops.

A grace period is a short window of time given by the insurer to pay your premium after the due date. During this grace period:

Your policy remains active
Your term cover continues
You can pay the premium without losing the policy benefits

What Happens After the Term Insurance Grace Period Ends?

Situation	Outcome/Result
Premium still unpaid	Policy lapses, coverage stops
Death of life assured after lapse	No claim is paid to your nominee
Add-on Riders	Riders become inactive

How Do You File a Term Insurance Claim Successfully?

Filing a term insurance claim allows the insurance company to review the policy and determine if the claim is eligible under the policy terms.
Settlement of claims can be completed with ease and success using the following steps:

Inform the Insurer Immediately

The death of the life assured should be reported to the insurance company as soon as possible. Most of the insurers offer 24/7 claim helplines and/or online portals where the claim can be quickly registered.

Gather Required Documents

Prepare all necessary documents^[18] to prevent delays.

Filled Claim Form
Death Certificate of the policyholder
Policy Document
Assignment/re-assignment deeds (if any)
Legal proof of title (if no nominee/assignment)

6. Signed discharge form

Note: The list of documents vary insurer to insurer and policy to policy, review the terms and conditions before buying the policy

Fill in the Claim Form Correctly

Complete the claim form using the right information as specified in the policy. Wrong, or unavailable information may slow the claim settlement process.

Send Documents to the Insurer

Send the claim form and supporting documents through the online portal of the insurer, email or through the branch office. Make and keep copies of all documents with you as well.

Monitor the Status Regularly

Monitor the status of the claim. Respond to requests of any document or clarification as soon as possible.

Claim Settlement

After the insurer has ensured all the documents are in order, the nominee will receive the amount assured. Insurers must settle death claims within 15 days from the date of receiving the last necessary document. If further investigation is required, the claim must be settled within 45 days.

Note - The claim process, documents required, and timelines may vary policy to policy and insurer to insurer. Check the policy document or insurer’s website for specific details before buying.

Experience of Term Insurance Buyers

Let’s Hear about the journey of some folks who have bought a term insurance plan

After the birth of my child, I became more cautious with my financial planning. I started thinking beyond just saving and investing and wanted to secure my family’s future just in case I won’t be around. That’s when I came across the option of term insurance plans. I chose a term plan that would take care of my family’s long-term needs. It gave me the peace of mind I didn’t know I needed.

Devang Awasthi IT Professional

A health scare in the family opened my eyes. My uncle had no major health issues but suffered a sudden heart attack. He being the sole breadwinner, his family was devastated. It made me question my own financial preparedness. That’s when I seriously considered getting a term insurance policy. I didn’t want my family to be left with similar financial stress in case something unexpected happened. Buying a term insurance plan felt like the best move.

Keyur Agarwal Business

I was focused on investments until a financial planner asked me if I had any life cover. I hadn’t thought about term insurance at all. But the way he explained that term plans are the simplest and most cost-effective way to safeguard my family’s financial future, it made complete sense. I went ahead and bought a term insurance policy, and I’m glad I did. It filled an important gap in my financial planning.

Rohit Singh Engineer

Just after landing my first job, I decided to buy a term insurance plan. I had read that the earlier you buy, the cheaper the premium. It was true the cost was so low, it barely made a hole in my pocket. It felt so good to make a responsible decision early on. Now, I’ve got a term plan that offers assured coverage for decades. It’s one of the smartest things I’ve done financially.

Neha Gandhi Marketing

Buying my first home was a dream come true. But the loan made me anxious. What if something happened to me and my family had to deal with the burden? That’s when my friend asked me if I have a term plan. It was an eye opener and I immediately decided to buy a term insurance policy. The term plan I chose covers the home loan amount and more, so my family won’t have to worry. It was a small step that added huge peace of mind. I also opted for return of premium feature, which will refund all my premiums if I survive the policy term.

Rohini Shah Chartered Account

The COVID pandemic was a wake-up call. I saw how quickly life can change, and how many people were left without financial support. That’s when I started looking into term insurance plans. To my surprise, it was the most affordable way to ensure my family wouldn’t face financial strain if I weren’t around. Both, me and my wife bought a term plan during the second wave and honestly, it was long overdue.

Anoop Raina Engineer

What Are the Tax Benefits of Term Insurance in India 2026?

The premiums that you pay when you purchase a term insurance in India are tax-deductible under the provisions of the Income Tax Act, 1961, Section 80C, 80D in case of old tax regime^[16]. These tax deductions further make term insurance a wise financial choice particularly among the young millennials to save on the taxes, and ensure the financial security of their loved ones.

You can claim these tax benefits under three different sections of the Income Tax Act, 1961:

Term Insurance Tax Benefit under Section 80C

Tax deduction under Section 80C^[16] of the Income Tax Act, 1961, covers various investments including life insurance premiums, home loan repayments and children’s education fees in case of old tax regime.

Eligibility for term insurance tax benefits under Section 80C:

Total deduction is capped at ₹1.5 lakh per year on premiums paid.
Annual premium must be ≤ 10% of the Sum Assured.
No tax benefits if the policy is surrendered or terminated within 2 years of purchase.

Term Insurance Tax Benefit under Section 80D

If you have added any health-related rider like Critical Illness Rider to your based term plan, then can you claim tax deductions under Section 80D^[16] of the Income Tax Act, 1961 in case of old tax regime.

Eligibility for term insurance tax benefits under Section 80D:

Up to ₹25,000 for self and family.
Additional ₹25,000 for parents (below 60 years)
up to ₹50,000 for senior citizen parents (60+ years)

Term Insurance Tax Benefit under Section 10 (10D)

Section 10 (10D)^[16] of the Income Tax Act, 1961, also offer tax exemptions. The entire amount received from a from a term insurance policy —as death benefit —is fully tax free.

Triple Tax Benefits:

Section 80C: Up to ₹1.5 lakh/year (in case of old tax regime).
Section 80D: Up to ₹25,000 for self/family; ₹50,000 for senior citizen parents (in case of old tax regime).
Section 10(10D): Entire insured amount non-taxable (subject to conditions)

What Are the Common Mistakes People Make While Buying Term Insurance Plans?

The arrival of their first child filled Arvind and Sneha with joy. But their financial responsibilities were also multiplied. Wanting to secure his family from any financial crisis in his absence, he quickly decides to buy a term plan online.
In his rush, he skips cruical steps like comparing different options and checking the coverage details.
But soon Arvind realizes that his term insurance plan would not provide maximum coverage and lacked rider benefits.
Don’t make such mistakes.
To help you secure the best term insurance plan in India, here are the common mistakes to avoid and ensure a comprehensive term insurance plan for your family.

Choosing the Wrong Coverage Amount
Don’t under-insure your family. Select the sum assured that will cater to your income, debts and future expenses using the Bajaj online term insurance calculator.
Skipping Term Insurance Riders
Term insurance riders such as Accidental Death Benefit Rider, Permanent and Partial Disability Rider, Critical Illness Benefit Rider, Waiver of Premium Rider help improve your term insurance plan by offering additional financial protection.
Focusing Only on Premiums
Low term insurance premiums may be appealing, but lack of insurance coverage or insufficient coverage may put your family at risk. Select a plan that will be suitable in terms of price and financial protection.
Not Comparing Plans Online
Compare multiple term insurance plans online to find the best coverage at the right price. Do not purchase a term plan without evaluating its benefits and features.
Ignoring Policy Terms and Conditions
Before you buy a term insurance plan, read the fine print carefully. Understand the rules on exclusions, waiting and claim periods to avoid any discrepancies later.
Delaying Your Purchase
The sooner you purchase the cheaper your term insurance premium is. Act now – secure your term insurance policy today at an affordable rate.
Relying Only on a Level Term Plan
Many policy buyers choose a basic level term plan where the sum assured stays fixed for the entire policy duration. However, this may not always be sufficient as expenses rise over time. Considering options like an increasing term plan, where the coverage grows gradually, can provide better financial protection for your family in the future.
Take action now: Compare and buy the best term insurance plan in India to ensure your family is financially protected without delay.

Seven Common Mistakes While Buying Term Insurance

Why Choose Bajaj Life Term Insurance Plans?

Bajaj Life Insurance Limited, is one of the leading private insurance providers in India.
Here are the top three reasons to choose Bajaj Life Term Insurance Plans:

High Ratio of Claim Settlement

Bajaj Life Term Insurance Plans are considered reliable and trustworthy as they settle high percentage of valid claims. Bajaj Life Insurance has achieved 99.29% Claim Settlement Ratio for FY 2024-25, as on 31^st March 2025^~.

Easy Digital Interface

You can buy Bajaj Life Term Insurance Plans online with complete ease. We also have an online term insurance calculator to calculate premiums, sum assured and buy the term plan without any complications.

Multiple & Flexible Term Plan Solutions

Choose from multiple term plans and add riders like accidental death benefit rider, critical illness benefit , or waiver of premium rider to enhance your overall coverage and financial protection.

99.29%

Claim Settlement Ratio^~

1 Day

Get 1 Day Claim Approval^%

AAA

Stable Rating by CARE^$$

₹1,37,662 Cr

Assets Under Management (AUM)^***

3.48 Cr

Number of Lives Covered^##

343%

Solvency Ratio of 343%^{^^^}

Disclaimer:^~Individual Death Claim Settlement Ratio for FY 2024-2025 | ^%99.29% of non-investigative individual claims approved in one working day for FY 2024-25. 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 Life Insurance offices. 96% of non - investigative claims notified were processed within one day in FY’25 | ^$$For details refer to press release published by CARE | ^***Asset under management (AUM) ₹1.37 lakh crore as on January, 2026 | ^{^^^}Solvency ratio 343% as at 30 June, 2025 against IRDAI mandated 150%. As on 30 June, 2025 | ^##Individual and group, as on 31st January, 2026.

You can easily find Bajaj Life Insurance offices across India, with branches located in non-metro as well as metro cities such as Mumbai, Pune, Delhi, and Bangalore where you can contact our representatives personally to get individual support.

Compare term plans in your city today and get expert guidance to ensure your family’s financial security.

Term Insurance FAQs

Is term insurance worth buying it if I have no dependents?

Term insurance can be a good purchase even when you do not have any dependents. It may help cover your unpaid debts and also if you buy a term plan early, you can lock in lower premiums.

Are term insurance premiums fixed or do they increase every year?

In India, most standard term insurance policies usually have fixed premiums during the policy term. The premiums do not increase. However, some insurers also provide increasing term insurance plans, where the sum assured increases over time, which may slightly affect the premium structure.

What is the payout option in term insurance?

Insurers make the payout in lump sum or as a monthly income or a combination of the two. There are also plans where the payouts can be staggered within a given period of time. The choice of the option can be decided at the buying time depending on the financial needs of your family and future spending plans.

Is term insurance valid if I change my job or move abroad?

Yes, your term insurance remains active if you change your job. In case you relocate overseas, you must notify the insurer. It is important that you update your contact details and residency status always to eliminate the possibilities of claim rejection and to maintain a continuous coverage of the policy term.

How does inflation impact term insurance coverage?

The real value of your sum assured is devalued by inflation. For example, ₹1 crore today might not have the same purchasing value after 10 or 20 years. This implies that you may not cover all the expenses of your family in the future. Due to inflation risk, higher cover or increasing term plan can be opted to cope with inflation risk.

Does term insurance cover death during international travel?

Yes, term insurance plans cover death during international travel including accidental and natural deaths. There can however be some exclusions on high-risk activities, war zones or restricted countries. One should be cautious to read the terms of the policy before travelling to foreign countries. Informing the insurer about your long-term foreign stay will make the claim settlement easy for the nominee.

Can I switch insurers after buying term insurance?

Term insurance plans cannot be switched between insurers. If you wish to change the insurer, you must purchase a new policy and undergo fresh underwriting.

Can I add two nominees in my term insurance plan?

Yes, you are allowed to have several nominees in your term insurance. The percentage share that each nominee will get can also be specified. This will ensure transparent allocation of the claim amount and avoid conflicts. The information about the nominees can be typically updated by sending a formal request to the insurer with the necessary documents.

Read All

Term Insurance Guide

Term Insurance Videos
Articles
Calculators

Life Insurance Made Easy | Accidental Death & Disability Rider

Understanding Riders: How It Impacts Your Coverage

Life Insurance Made Easy | Annualized Premium

Cracking the Code: Understanding Annualized Premium in Insurance

Life Insurance Made Easy | Claim settlement ratio

The claim settlement ratio is the percentage of life insurance claims a company has paid out compared to the total claims received.

Life Insurance Made Easy | Return of Premium

Understanding #lifeinsurance terms may be challenging. As part of Bajaj Life Insurance’s #LifeInsuranceMadeEasy series we are simplifying industry terminology

Life Insurance Made Easy | Auto pay

Watch this video from the #LifeInsuranceMadeEasy series, a customer education initiative by Bajaj Life Insurance to know how Autopay simplifies the premium

Life Insurance Made Easy | Compound Revisionary Bonus

#Lifeinsurance terms got you mixed-up? As part of #LifeInsuranceMadeEasy series, Bajaj Life Insurance’s is helping to simplify industry terminologies

Know About Term Policy FAQs

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.

Benefits of Term Insurance

A term insurance policy is a life insurance plan which is intended to cover the risk of premature death or demise of the life assured, during the policy tenure. The term plan

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,

Term Insurance Eligibility Criteria - Explained

At times of financial distress and uncertainty, it is great relief to have a safety net to help you cover for unexpected expenses. One of the most

Term Insurance Calculator

An easy to use Term Insurance calculator to determine the right life cover amount as per your needs.

Income Tax Calculator

Know your income tax based on the taxable income and explore Life Insurance plans to save more tax.

Power of Compounding Calculator

Get an estimate of how much your investment will grow over a period of time.

Investment Calculator

Answer a few simple questions to know estimated corpus you will have to fulfil your Life Goals.

Underinsurance Calculator

With the Underinsurance Calculator, check if your Life Cover is atleast 10x of your Annual Income.

Fixed Deposit Calculator

Answer a few easy questions to calculate your Fixed Deposit Returns.

NPS Calculator

Calculate your NPS returns effortlessly with our simple to use NPS Calculator.

SIP Calculator

Plan your investments effortlessly and achieve your financial goals with our easy-to-use SIP Calculator.

Retirement Preparedness Score Calculator

Answer a few simple questions to know how prepared you are for your retirement.

Child Education Planning Tool

A simple to use and comprehensive tool to plan for your child's education.

Savings to Life Goals Convertor

Use this calculator to know how savings from regular expenses can help you achieve your Life Goals.

Financial Fitness Calculator

Get to know your Financial Fitness Score by answering few simple questions.

Immunity Score Calculator

Use our immunity calculator to find out your immunity score in just a few clicks!

ULIP Calculator

Know the amount to invest today to have the corpus to accomplish your Life Goals tomorrow.

Child Plan Calculator

A simple to use calculator that helps you plan for fulfilling your Child's Life Goals.

Retirement Calculator

Calculate the amount you need to invest today to accomplish your retirement life goals.

Body Mass Index (BMI) Calculator

Body Mass Index (BMI) is a measure to understand whether your body weight is healthy as per your height.

View All

Customer Speaks

Quick & Confident

The term insurance buying process was smooth and fast. I felt confident knowing my family would be financially secure, without having to go through complicated paperwork or jargon.

Sanjay Kumar

Smart Investment Choice

I opted for coverage early on to stay ahead. The premium is quite affordable, and I don’t need to pay it all at once. Honestly, I found it better than investing a huge amount all at once in a fixed deposit. Here I can pay smaller amounts at regular intervals and get high coverage.

Hardik Pathak

Easy Online Purchase

My experience of buying a term plan online was very smooth. Everything was clear, from features to benefits. The calculator helped me precisely calculate the premium I would have to pay for the required coverage. The support team too was helpful and cleared all my doubts aptly. Highly recommended.

Taurn Shinde

Life-Stage Coverage

I looked for a term plan that balanced cost and security. The coverage fits my life stage and gives me confidence for the future. Now my family can fulfil all their future goals even if I am not around to provide for them.

Ritika Malkani

Seamless Experience

The entire experience, from choosing the policy to receiving confirmation, was seamless. It's one of the most reassuring financial decisions I’ve made.

Siya Rai

Flexible & Comprehensive

After comparing various term insurance plans, I picked one with flexible options and rider benefits. It fits my needs perfectly.

Nishant Ahuja

Happy with the services

I have invested in various products of Bajaj Life Insurance - I am happy with the services, returns and diversified product portfolio.

Rashmi Bhavnani

Satisfied, Trust

I am a happy customer who is satisfied with the after sales service. I have full trust in Bajaj Life Insurance Company.

Shrikant A Karande

Happy with the returns

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

Kavita Goplani

Very Happy

I am a 7 year old customer of Bajaj Life Insurance and very happy about the services.

Dhruv Soni

Excellent Support

The Bajaj Life Insurance Term Insurance Plan has been extremely helpful and convenient. The online process was smooth, and the customer support is excellent. What impressed me the most is how economical it is while still offering strong coverage. It’s a smart and reliable choice for anyone looking to secure their family’s future. Highly recommended!

SEEMA BIPINKUMAR RESHAMWALA

Sources

1.https://economictimes.indiatimes.com/wealth/insure/gst-on-health-and-life-insurance-premiums-reduced-to-zero-see-how-it-will-impact-your-policy-costs/articleshow/123682131.cms?from=mdr

2.https://cleartax.in/s/life-insurance-taxability

3.https://economictimes.indiatimes.com/nri/invest/how-hni-nris-should-calculate-their-term-insurance-coverage/articleshow/122812606.cms?from=mdr

4.https://economictimes.indiatimes.com/wealth/insure/life-insurance/8-major-death-cases-which-are-not-covered-in-term-life-insurance/articleshow/70444745.cms?from=mdr

5.https://www.livemint.com/money/personal-finance/key-factors-nris-should-consider-before-buying-a-life-insurance-policy-11642611828485.html

6.https://www.business-standard.com/finance/personal-finance/explained-term-insurance-premium-is-15-cheaper-for-women-123101000155_1.html

7.https://irdai.gov.in/document-detail?documentId=395579

8.https://economictimes.indiatimes.com/nri/nri-investments/should-nris-buy-life-insurance-in-india/articleshow/11220862.cms?from=mdr

9.https://economictimes.indiatimes.com/wealth/insure/how-much-term-cover-is-enough-dont-rely-on-thumb-rules-heres-what-experts-have-to-say/articleshow/124382634.cms?from=mdr

10.https://policyholder.gov.in/free-look-period

11.https://irdai.gov.in/document-detail?documentId=750654

12.https://economictimes.indiatimes.com/wealth/insure/health-insurance/health-insurance-new-rule-get-full-coverage-during-grace-period-despite-unpaid-premium-mandates-irdai/articleshow/110540873.cms?from=mdr

13.https://irdai.gov.in/life3

14.https://irdai.gov.in/document-detail?documentId=394691

15.https://irdai.gov.in/document-detail?documentId=379913

16.https://cleartax.in/s/term-insurance-tax-benefits

17.https://irdai.gov.in/documents/37343/365525/One-time+Mandate+for+blocking+the+amount+towards+premium+through+Unified+Payments+Interface+%28UPI+mandate%29+for+issuance+of+life+and+health+insurance+policies-+Bima-ASBA.pdf/d78302e2-fe28-e201-3bb0-0457a943db6e?version=1.0&t=1739883167745

18.https://policyholder.gov.in/how-to-make-a-claim-life#:~:text=Home,Formalities%20for%20a%20maturity%20claim

19.https://www.business-standard.com/finance/personal-finance/more-indians-buying-insurance-add-ons-hyderabad-leads-trend-report-125111900634_1.html

20.https://irdai.gov.in/life3

Reviewed by Life Insurance Experts

Bajaj Life Insurance is a trusted insurance partner

At Bajaj Life Insurance, 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.

Health Management Services	Frequency	Cost (₹)
Doctor Insta-Consultations	3 consultations per month = 36 consultations per year	Average cost per session = ₹ 500 Total cost per year = ₹ 500 * 36 = ₹ 18,000
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%	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
Total per year as per assumption	₹ 31,000

Health Management Services for Women	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	3 consultations per month = 36 consultations per year	Average cost per session = ₹ 500 Total cost per year = ₹ 500 * 36 = ₹ 18,000
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

Term Plan Prices Increasing Soon!*

12% Online Discount on first year premium^#

0% GST on Term Plans^{^}

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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 Insurance House, Airport Road, Yerawada, Pune - 411006, Maharashtra

Email: customercare@bajajlife.com | Customer Care No.: 020 6712 1212

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 Life Insurance Limited is provided on the basis of license given by Bajaj Finserv Ltd. to use its “Bajaj” 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 Life Insurance 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

Disclaimer

Claim Settlement Ratio of 99.29%^~

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