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Maximum Protection, Minimum Cost

Pure Protection.
Unbeatable Value.

₹1 Crore cover from just ₹600/month

Term insurance is one of the most essential life protection tools — providing high life coverage at an affordable premium. At Veedhi, we help you explore term plans that offer the strongest financial safety net for your family.

High Cover at Low Cost Tax Benefits u/s 80C Flexible Policy Duration Critical Illness Riders
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Active
Life Cover Amount
₹1 Crore
Tax-free payout to nominee · 99% claim settlement
Policy Duration
Family Income Benefit
Home Loan Protection
Critical Illness Rider
Disability Waiver
80C Tax Deduction
Return of Premium
Monthly Premium from
₹600 / month
Get Quote
₹1Cr
Max Life Cover
₹600/mo
Starting Premium
99%
Claim Settlement
25+
Insurance Partners
What is Term Insurance

Pure Protection,
Maximum Cover

Term insurance is the most cost-effective way to protect your family — providing the highest life coverage at the lowest possible premium.

Young professional protected by term insurance
Pure Protection
₹1 Cr
at ₹600/mo

Term insurance is a pure protection plan that provides life coverage for a specified period — such as 10, 20, or 30 years. If the policyholder passes away during the policy term, the insurance provider pays the full insured amount to the nominee.

Unlike whole life or endowment plans, term insurance focuses purely on financial protection rather than savings or investment. This keeps premiums very low — making ₹1 Crore coverage accessible for most individuals.

It is often considered the foundation of a sound financial plan — ensuring your family's financial future is protected no matter what happens.

Lump sum payout to nominee — tax-free
Lowest premium for highest cover
Flexible terms from 10 to 40 years
Premium deductible under Section 80C
Key Advantages

Why Term Insurance
Is the Smart Choice

Term insurance delivers powerful financial protection with unmatched affordability — making it the essential foundation of any financial plan.

01
High Coverage at Low Premium
Term insurance provides the highest life coverage at a relatively affordable premium — a 25-year-old non-smoker can secure ₹1 Crore cover for as low as ₹600/month, making it accessible for working individuals at any income level.
02
Financial Security for Family
The insurance payout can help maintain your family's financial stability in your absence — covering daily expenses, children's education, spouse's needs, and long-term financial goals without disruption.
03
Coverage for Loans & Liabilities
Term insurance ensures that outstanding loans — such as home loans, personal loans, or business loans — do not become a financial burden for your family members in your absence. Protect what you've built.
04
Flexible Policy Duration
Choose a policy term that aligns with your financial responsibilities — from 10 to 40 years. Cover your family during your most active earning years and wind down coverage when your financial goals are achieved.
Plan Comparison

Term Insurance vs
Other Plans

See how term insurance compares to other types of life insurance — and why it remains the most recommended choice for pure financial protection.

Feature Endowment / ULIP Term Insurance Whole Life
Primary Purpose Protection + Savings Pure Protection Lifelong Coverage
Premium Cost High Very Low Medium–High
Life Cover Amount Low to Moderate Very High (₹1Cr+) Moderate
Policy Duration Fixed term Flexible (10–40 yrs) Lifetime
Savings Component Yes None Yes
Maturity Benefit Available No (pure term) Yes
Tax Benefit (80C) Yes Yes Yes
Best Suited For Goal-based savings Pure financial protection Lifelong security
₹600
per month for
₹1 Crore cover
Family protected by term insurance Young couple financial planning
Who Should Consider

Term Insurance is
Essential For You

Term insurance is especially critical for anyone with financial dependents, outstanding liabilities, or long-term financial goals — providing maximum protection at minimum cost.

Young Working ProfessionalsLock in the lowest premiums while you're young and healthy — the best time to buy.
Individuals with DependentsAnyone whose family relies on their income for daily living, education, and goals.
Home Loan BorrowersProtect your family from inheriting outstanding home or personal loan burdens.
Business Owners & Self-EmployedCover business loans and protect your family from business liability risks.
Parents Planning for ChildrenEnsure your children's education and milestones are never compromised.
Premium Guide

Start Young,
Pay Less, Get More

Term insurance premiums are directly tied to your age and health at the time of purchase. The younger and healthier you are when you buy, the lower your premium — locked in for the entire policy term.

Buy in your 20s — lowest possible premium rate
Non-smokers qualify for significantly lower rates
Annual premium payment saves vs monthly billing
Longer terms = lower monthly cost per year covered
Indicative Monthly Premiums
₹1 Crore · 30-year term · Healthy male non-smoker
Age 25
₹600/mo
Save 55%
Age 30
₹850/mo
Save 38%
Age 35
₹1,300/mo
Save 20%
Age 40
₹2,100/mo
Buy now
Age 45
₹3,600/mo
Late start
Premiums are indicative and vary by insurer, health condition, and riders selected. Contact Veedhi for a personalized quote.
Optional Riders

Enhance Your Cover
with Smart Riders

Add optional riders to your base term plan to build a more comprehensive protection package at minimal additional cost.

Critical Illness Rider
Receive a lump sum on diagnosis of major illnesses such as cancer, heart attack, or kidney failure — even if you survive. Helps cover treatment costs and lost income during recovery.
Add-on rider
Accidental Death Rider
Provides an additional payout over and above the base sum assured in case death occurs due to an accident — giving your family extra financial support during sudden, unexpected events.
Add-on rider
Waiver of Premium Rider
Future premiums are waived if you suffer total permanent disability or a critical illness — ensuring your policy stays active and your family remains protected even when you can no longer work.
Add-on rider
Return of Premium Rider
If you survive the full policy term without making any claim, all premiums paid are returned to you at maturity — making this a zero-cost protection plan if no claim is ever made.
Add-on rider
Income Benefit Rider
Instead of a single lump sum, provides a regular monthly income to your nominee over a set period — helping replace lost income and manage recurring family expenses more effectively.
Add-on rider
Child Support Rider
Ensures a dedicated financial payout for your child's education and milestones in your absence — protecting their future goals regardless of when you pass away during the policy term.
Add-on rider
Our Process

How Veedhi Helps You
Get the Best Term Plan

From understanding your needs to selecting the right plan and managing claims — we support you at every step.

1
Assess Your Needs
We understand your income, liabilities, dependents, and goals to calculate the right sum assured and policy term.
2
Compare & Select
We compare term plans from 25+ insurers and identify the best combination of cover, premium, and riders for your profile.
3
Easy Onboarding
Guided documentation, medical test coordination, and policy issuance — fully supported by the Veedhi team.
4
Claims & Renewals
We help your family file and process claims, manage nominations, and handle renewals — continuous support when it matters most.
FAQ

Frequently Asked
Questions

Need Help Choosing?
Our term insurance experts will help you find the best plan for your family's needs, age, and budget.
Talk to an Advisor Get Free Quote
term@veedhi.in
Mon–Sat, 9AM–6PM
Life insurance is a broad category that includes term insurance, whole life insurance, endowment plans, and ULIPs. Term insurance is a specific type of life insurance that provides pure protection — no savings or investment component — for a defined period. Because it focuses only on protection, term insurance offers the highest cover at the lowest premium, making it the most affordable form of life insurance.
A widely recommended rule is to have a cover of 10–15 times your annual income. For example, if you earn ₹8 lakhs per year, you should consider cover between ₹80 lakhs to ₹1.2 crore. You should also factor in outstanding liabilities (home loan, personal loans), your family's annual expenses, inflation, and children's future education costs. Veedhi's advisors help you calculate your exact requirement.
For a standard pure term plan, if you survive the full policy term, no benefit is paid — the policy simply expires. This is why premiums are so low. However, you can opt for a Return of Premium (ROP) rider, where all premiums paid are returned at maturity if no claim is made. This makes your term plan essentially zero-cost if you outlive the policy, though premiums for ROP plans are slightly higher than pure term.
The best time to buy term insurance is as early as possible — ideally in your mid-20s when you start earning. Premiums are at their lowest when you're young and healthy, and the coverage locks in at that low rate for the entire policy term. Waiting even 5 years can increase premiums by 30–40%. Starting early also means you complete any waiting periods sooner and build a longer protection history.
Yes, term insurance is available for self-employed individuals, business owners, freelancers, and professionals. You may be asked to provide income proof such as ITR filings (typically last 2–3 years), bank statements, or business ownership documents. Self-employed individuals with business loans should especially prioritize term insurance to protect their family from inheriting business liabilities.
The nominee needs to file a death claim with the insurer by submitting the original policy document, death certificate, nominee's ID proof, and a claim form. Most insurers now accept online claim submission. The insurer processes and verifies the claim, typically within 15–30 days. Veedhi assists families through the entire claim filing and follow-up process — ensuring a smooth, stress-free settlement during difficult times.
Yes, you can have multiple term insurance policies from different insurers simultaneously. This is called "stacking" and allows you to have coverage from multiple providers — particularly useful to spread risk or to have different policies aligned to different financial goals (e.g., one for home loan, one for family income). However, total coverage should be proportionate to your income and financial needs. Veedhi can help you structure your coverage optimally.
2L+
Families Protected
25+
Insurance Partners
99%
Claim Settlement
₹600/mo
Starting Premium

Protect Your Family for
Just ₹600 a Month

Don't leave your family's financial future unprotected. Start your term insurance journey today with Veedhi's expert guidance and get ₹1 Crore coverage at India's best rates.

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