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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, quaterly 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

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

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

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

Aegon life

iTerm

1Cr

100 Years

Early claim on terminal illness

Waiver of Premium

Extra Payout on Accidental death

Cover against Accidental disability

Cover against 4 critical illnesses

TATA AIA

Tata Sampoorna Raksha

1Cr

67 Years

Cover against accidental disability or death

Pay for 10 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

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

Edelweiss tokio

My Life+

1Cr

80 Years

Waiver of Premium

Cover against 35 critical illness

Extra Payout on Accidental death

Cover against accidental disability

Canara HSBC OBC

iSelect

1Cr

67 Years

Early claim on terminal illness

Extra Payout on Accidental death

Future Generali

Flexi Online Term

1Cr

75 Years

Cover against 34 critical illness

Cover against 9 critical 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

Aviva Life insurance

iLife Total

1Cr

75 Years

Early claim on terminal illness

Extra Payout on Accidental death

IDBI Federal

iSurance Flexi Term

1Cr

80 Years

Critical illness

Extra Payout on Accidental death

SBI LIFe

eShield

1Cr

57 Years

Early claim on terminal illness

Additional benefit on accidental disability

Extra Payout on Accidental death

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

Exide Life

Elite Term Insurance Plan

1Cr

62 Years

Extended Term

Term Insurance Riders

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.