Term Life Insurance Quotes Online India 2026
Secure your family’s future without breaking the bank—term plans deliver massive coverage from ₹50 lakh to ₹20 crore at pocket-friendly premiums starting ₹13/day online. Perfect for breadwinners in Delhi or anywhere, these pure protection policies pay big only if the worst happens, keeping costs razor-low.
Why Term Insurance Rules in 2026
No investment returns, just high sum assured at dirt-cheap rates—ideal when medical inflation and job uncertainties loom large. Quotes tailor to age, health, smoking, and term (10-40 years). Non-smokers under 35 lock in unbeatable pricing; buy now before rates creep up with age. Instant online calculators spit out numbers in 2 minutes—no agents pushing extras.
Sample Quotes for Common Profiles
Healthy non-smokers, monthly regular premiums, policy to age 60 or lifelong. Women score 15-20% discounts automatically.
| Profile | Coverage Amount | Monthly Premium (₹) | Term Length |
|---|---|---|---|
| Man, 30 years | ₹1 Crore | 432-587 | To 60 |
| Woman, 28 years | ₹1 Crore | 350-500 | Lifelong |
| Man, 35 years, smoker | ₹50 Lakh | 800-1,200 | To 60 |
| Family head, 32 years, 2 kids | ₹1 Crore | 500-700 | To 99 |
| Woman, 40 years | ₹2 Crore | 900-1,300 | To 75 |
Add ₹100-200/month for riders like accidental death benefit or critical illness covers. Multi-year pays save 10-15%.
Top Term Plans to Quote Right Now
- Plan A: Unlimited cover, 99.5% claim success, whole life option—starts ₹432/month for ₹1Cr.
- Plan B: Digital signup, ₹50L to ₹20Cr, super-fast payouts—women’s rates unbeatable.
- Plan C: No cap on sum assured, accelerators double payout on illness—₹19/day entry.
- Plan D: Govt-backed reliability, return-of-premium variant refunds full if you outlive.
- Plan E: App-based, up to ₹10Cr, instant policy—perfect for millennials.
All offer tax-free maturity/death benefits plus premium deductions up to ₹1.5 lakh yearly.
Quick Tips to Score Lowest Quotes
Punch details into aggregator sites: age, pincode (Delhi gets standard rates), income (aim 15-20x salary), habits. Skip smokers? Add ₹300-500/month. Medical check-free under ₹50 lakh cover. Bundle spouse/kids for family floaters at barely extra cost. Lock 3-year pay for rate protection against hikes.
Riders That Pack Real Punch
- Accidental Death: Doubles payout on mishaps.
- Critical Illness: Lump sum for 50+ diseases.
- Waiver: Premiums auto-stop if disabled.
- Hospital Daily Cash: Extra ₹1,000/day income boost.
Pro move: Buy before 40—premiums double every decade. E-policies download instantly, claims settle in 7-30 days max. In 2026’s volatile world, ₹500/month buys priceless security.
Drive safe, insure smart—quotes waiting just a click away.
