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Akshay Kumar's Yamraj Video Ad for Term Insurance

We lost our voice selling insurance to the country. Wouldn’t it be great to simply lay back and let someone else do that for us?

Why else do you think we roped in Akshay Kumar? Meet our new brand ambassador in a brand new avatar, Yamraj.

In this latest ad, Akshay donned a pair of horns to play the God of Death in a modern, sophisticated style without losing his famed hilarity.

It begins with a man (Sumit Vyas) dying pitifully on a hospital bed. To his surprise, the first thing he sees after he dies, is a strapping man with a mammoth handlebar moustache and a pair of horns akin to the mythological deity, Yamraj. However, this new age Yamraj has ditched his traditional trappings for tasteful, modern dress suit and only flashed his trendy, neon-lighted nametag when asked who he is.

When our little dead man begs for his life, using his family as a leverage, this Akshay-derived Yamraj has only one thing to say, “Kyu? Term Insurance nahi liya tumne” (Why? Did you not buy term insurance?)

As a piece of gyaan (wisdom) Akshay further states, “Policybazaar offers term insurance of Rs. 1 crore at mere Rs. 680/month.”

Watch how he speaks to those who don’t secure their family’s future by forgetting to buy a term insurance. And for the poor soul who had left his family nothing but debts, he had one goofy line to say, “Ab chappal pehen ker patal main ghumega....chall.” (Now walk through hell in dirt-rags)

Watch the funny clip below to see this new Akshay-Avatar for yourself:

This isn’t the first time that Akshay is playing a god. Remember his Krishna Avatar in OMG?

Take a look below to find the most hilarious Akshay-starrer movies ever! 

Welcome (2007) 

Hera Pheri (2000)  

Heyy Babyy (2007)  

Garam Masala (2005)  

Mujhse shaadi karogi (2004)  

Term insurance is a policy that offers predetermined benefits for a predetermined coverage period. As the most basic form of life insurance, it is affordable as well as economical. However, it has a limited coverage period and only provides death benefit. In simple words, term insurance covers you for a particular time-period and offers a pay-out to your family/nominee in case you die within the aforementioned time-period. The benefit can be paid out as lump-sum, or on monthly, quarterly or yearly basis.

It is also called Pure Life Insurance. This is because it offers only death benefit; no maturity benefit is offered if the policyholder outlives the policy tenure. Also, at the end of the policy tenure, the policyholder can renew a term insurance policy as well.

The premium of a term insurance plan depends on the gender, age, health and lifestyle of the proposer. For example, a smoker’s life is more at risk in comparison to a non-smoker for obvious reason. Consequentially, the premium paid by a smoker is more than the premium of a non-smoker.

Best Term Insurance Plans

Provider Plan Payout Maximum Cover upto Addons
Aviva Life insurance iLife Total 1Cr 75 Years Early claim on terminal illness
Extra Payout on Accidental death
Aegon life iTerm 1Cr 100 Years Early claim on terminal illness
Extra Payout on Accidental death
Cover against Accidental disability
Cover against 4 critical illnesses
Bajaj Allianz eTouch Online Term 1Cr 67 Years Waiver of Premium
Cover against 34 critical illness
Cover against accidental disability
Cover against accidental disability & death
Canara HSBC OBC iSelect 1Cr 67 Years Early claim on terminal illness
Extra Payout on Accidental death
DHFL Pramerica Flexi e-Term 1Cr 75 Years Cover against 35 critical illness
Extra Payout on Accidental death
Extra Payout on Accidental death & critical illness
Exide Life Elite Term Insurance Plan 1Cr 62 Years Extended Term
Edelweiss tokio My Life+ 1Cr 80 Years Waiver of Premium
Cover against 35 critical illness
Extra Payout on Accidental death
Cover against accidental disability
Future Generali Flexi Online Term 1Cr 75 Years Cover against 34 critical illness
Cover against 9 critical illness
Extra Payout on Accidental death
HDFC Life 3D Plus Life Option 1Cr 67 Years Early claim on terminal Illness
Waiver of premium
Extra Payout on Accidental death
Cover against Accidental disability
Cover against 19 critical illnesses
Waiver of Premium on critical illness
Cancer cover
ICICI prudential iProtect Smart 1Cr 75 Years Waiver of Premium
Early claim on terminal illness
Extra Payout on Accidental death
Cover against 34 critical illnesses
IDBI Federal iSurance Flexi Term 1Cr 80 Years Critical illness
Extra Payout on Accidental death
Kotak life e-Term Life 1Cr 75 Years Waiver of Premium
Cover against 37 critical illness
Extra Payout on Accidental death
Lower your Cover Amount Option
Max  life Online Term Plus 1Cr 77 Years Waiver of Premium
Cover against 40 critical illnesses
Extra Payout on Accidental death or disability
Cancer cover
Pay till 60 years
PNB metlife Mera Term Plan 1Cr 99 Years Cover against 4 serious illnesses
Extra Payout on Accidental death
Cover against accidental disability
Heart & Cancer cover
SBI LIFe eShield 1Cr 57 Years Early claim on terminal illness
Additional benefit on accidental disability
Extra Payout on Accidental death
TATA AIA Tata Sampoorna Raksha 1Cr 67 Years Cover against accidental disability or death
Pay for 10 years


Term Insurance Riders
Disclaimer: “Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

To enhance the benefits of a term insurance plan, rider benefits can be added on to the basic policy. To make a short work of it, here they are:

  • Critical Illness Rider

On the diagnosis of a critical illness specified in the policy, this rider assures a lump sum payment to the insured.

  • Total and Permanent Disability Benefit Rider

In case the insured is rendered partially or totally disabled due to an accident, this rider pays offers the insured a regular income over the period of next few years.

  • Accidental Death Benefit Rider

If the policyholder dies due to an accident, this rider offers additional death benefit. 

  • Waiver of Premium Rider

If the insured is unable to pay the future premiums, this rider comes into force. It helps in waiving off the premium for the entire remaining duration of the policy.