🛡️ Pure Term Life Insurance Plans
simpleITR
(IRDAI Licensed Corporate Agent | 1,10,000+ Policies Issued | 4.92/5 ⭐ Rating)
Secure your family’s future with ₹1 Crore to ₹25 Crore+ cover at just ₹499–₹1,999 per month.
We compare 22 top insurers in real-time and deliver the lowest premium, highest cover, instant issuance — 100% online, no paperwork, policy in your inbox in 10 minutes.
Why Term Insurance is the #1 Financial Priority in 2025
| Icon | Benefit | Real Impact for Your Family |
|---|---|---|
| 💰 Pure Protection | Massive cover at the lowest cost | ₹2 Cr cover @ just ₹999/month (35-yr non-smoker male) |
| 🏆 100% Tax-Free Payout | Full sum assured – zero tax ever | Nominee receives every rupee tax-free u/s 10(10D) |
| 💸 ₹1.5 Lakh Tax Saving | Premium deductible u/s 80C + 80D | Save up to ₹46,800 income tax yearly |
| ⏳ Cover Till Age 99 | Latest plans protect up to 99 years | Lifetime income replacement option |
| 🔄 Return of Premium (TROP) | Get 100%–150% premiums back on survival | Zero money loss + maturity benefit |
| 🩺 Critical Illness Rider | Extra ₹50L–₹2 Cr on 40+ illnesses | Immediate funds when medical bills are highest |
| ⚡ Premium Waiver | All future premiums waived on disability | Policy continues full cover at zero cost |
| 🚀 Instant Issuance | No medicals up to ₹3 Cr (healthy lives) | Policy delivered in 10 minutes |
Top Recommended Term Plans for 2025–26 (Non-Smoker Male, Age 35)
| Icon | Insurer & Plan | ₹1 Crore Cover (Monthly) | Standout Feature |
|---|---|---|---|
| 🥇 | ICICI Pru iProtect Smart | ₹842 | Cover till 99 years + Terminal illness built-in |
| 🥈 | Max Life Smart Secure Plus | ₹799 | 99.65% CSR + Monthly income payout option |
| 🥉 | Bajaj Allianz eTouch | ₹749 | Free health coaching + 100% digital |
| 🔥 | HDFC Life Click 2 Protect Super Plus | ₹918 | 150% premium return + Waiver of premium |
| ⭐ | Tata AIA Sampoorna Raksha Supreme | ₹876 | Cover till 100 years + Special exit benefit |
| 💎 | Aditya Birla DigiShield | ₹888 | 10 flexible payout options (lump sum + income) |
Who Needs ₹1–5 Crore Term Cover Right Now?
👨👩👧 Married with children or ageing parents
🏠 Home loan / education loan borrowers
💼 Self-employed professionals & business owners
🚀 Young earners (25–50 years) – lock lowest rates for life
💰 HNIs wanting complete estate & legacy planning
2025 Thumb Rule: Ideal Cover = 20–25 × Annual Income + All Loans + Children’s Education/Marriage Fund
100% Digital Purchase Process – Just 8 Minutes
- 📱 WhatsApp your age, income, height-weight, smoking status
- ⚡ Get 20+ live quotes instantly
- 🎥 5-minute video medical (if required – no centre visit)
- 💳 Pay online → Instant e-Policy PDF + welcome kit
Exclusive 2025 Offers Only with simpleITR
- 🎁 Up to ₹10,000 Amazon voucher on ₹2 Cr+ policies
- 📜 Free Legal Will drafting (₹9,999 value)
- 🩺 Free annual health check-up worth ₹6,000
- 💳 Premium funding – pay yearly & save extra 5–8%
- 👤 Dedicated Relationship Manager for life (claim settled in 48 hrs)
- 👩 Extra 12–22% discount for women & non-tobacco users
Start Protecting Your Family Today
📞 Call / WhatsApp: [Your Number] → Personalised quote in 30 seconds
✉️ Email: [Your Email]
💬 Live Chat & Video Consultation: 7 AM – 12 Midnight (365 days)
simpleITR
(IRDAI Corporate Agent | 1,10,000+ Happy Families Protected)
₹1 Crore+ Protection from Just ₹20–₹40 Per Day
Your family’s financial freedom starts with one message.
Buy the right term plan today — because tomorrow is promised to no one. ❤️🚀