Axis Max Life
Smart Secure Plus
Pure term · ₹1 Cr till age 75
- Special exit value
- Joint life option
- Accidental death rider
- 99.6% claims settled
from ₹612/month
Check Premium Term Life Insurance
Pure protection. ₹50 Lakh to ₹5 Crore+.
The cheapest, most powerful way to make sure your family's lifestyle never stops, from ₹490 a month for ₹1 Crore cover.
1 term plans we sell
Top Term Life Insurance Plans in India
Shortlisted by our Purnia advisors on claim record, price and fine print.
Top pick
Prices are indicative for a healthy 30-year-old. Your advisor confirms the exact premium.
Cover Calculator
How much cover does my family need?
Income replacement + loan payoff + child education, minus what you've already saved.
Annual income₹8 L
Your age32 yrs
Outstanding loans (home, car, personal)₹15 L
Children to educate2
Existing savings & cover₹5 L
Recommended life cover
₹1.94 Cr
Income replacement₹1.34 Cr
Loan payoff₹15 L
Child education₹50 L
Less: existing savings−₹5 L
Riders Explained
Small add-ons, big protection
Critical Illness Rider
Lump-sum payout if diagnosed with cancer, heart attack, stroke or 30+ listed illnesses, even while you are alive.
Accidental Death Benefit
An extra amount, often equal to the base cover, if death happens due to an accident.
Waiver of Premium
If you become disabled or critically ill, future premiums are waived, your cover continues free.
Zero-Cost Term Plan
Exit the plan at age 60 to 65 and get all premiums back (excluding GST). Pure protection, no loss.
Insurer Scorecard
Top Indian term insurers compared
CSR = claims paid out of 100. Solvency ratio = financial strength (IRDAI minimum is 1.5).
| Insurer | Claim Settlement Ratio | Solvency |
|---|---|---|
| Max Life | 99.6% | 1.95 |
Indicative figures from recent IRDAI public disclosures; we share the latest numbers during consultation.
What is term insurance
A simple promise to your family.
You pay a small yearly amount. If something happens to you during the policy years, the insurer pays your family a large fixed sum, for example ₹1 Crore. No investment, no confusion. That is why it is the cheapest and most important cover for any earning member.
- Highest cover for the lowest price
- Tax saving under Section 80C, payout tax free under 10(10D)
- Lump sum or monthly income options for your family
- Cover till age 85 with some insurers
Who should buy?
Anyone aged 18 to 60 whose family depends on their income: farmers, shop owners, teachers, salaried staff.
How much cover?
At least 10 to 15 times your yearly income, plus any loans. Use the calculator below.
For how long?
Till your children settle and loans end, usually till age 60 or 65.
When to buy?
As early as possible. Premium is locked at the age you buy.
Know your insurer
The companies we work with
All are IRDAI registered life insurers with strong claim records.
Max Life
Consistently among the highest claim settlement ratios in India for term plans.
Made for Bihar
Why term insurance matters in Bihar
Many families in Purnia, Katihar and Araria depend on one earning member, often running a shop, farm or small business. Loans are common and savings are small. A term plan makes sure that if the worst happens, your children's studies, your home and your shop stay safe. We visit your home, help with medical checks in Purnia, and handle the claim paperwork for your family.
Questions