How to Buy Life Insurance Online?

You can buy a life insurance policy online through free comparison insurance sites, or alternatively, you can contact an independent broker who can provide you with different quotes from a number of insurers within the UK. Just provide your personal and medical details to get the best options available.

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₹2 Crore Life cover starting from

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Can I Buy an Insurance Policy Online?

Yes, you can purchase life insurance online through the insurer’s website. Online plans let you compare different coverage plans, premiums and benefits before choosing the right policy. It is best suited for people who are in good health and don’t have a high-risk medical condition and who know the type and amount of coverage they need. You can also buy insurance over the phone with help from an insurance representative.

How to Buy Life Insurance Online in the UK?

To buy life insurance online in the UK follow the steps below:

Step 1: Determine the type of cover you want

Step 2: Calculate the amount of coverage you need to cover your family’s expenditures in the event of your passing.

Step 3: Look at several estimates and insurance websites to learn about more options.

Step 4: Complete the application and answer the health questions.

Step 5: Select the coverage that fits your budget best.

Also read: How do UK Tax Laws Affect Term Life Insurance Plans?

Term Plans

₹1
Crore

Life Cover

@ Starting from ₹ 13/day⁺

₹50
LAKH

Life Cover

@ Starting from ₹ 8/day⁺

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day⁺

How Can NRIs Living in the UK Buy Life Insurance in India?

NRIs living in the UK can buy insurance through Policybazaar. Below are the steps to secure the best term insurance for NRIs in 2026.

Step 1: Go to the official Term Insurance for NRIs in India Page.

Step 2: Enter required details like your name, DOB, contact number and your country of residence, then click on “view plans”.

Step 3: Mentions habits related to smoking, alcohol, job and annual income.

Step 4: Now, you can compare different plan options and select the one that suits you.

Step 4: Make payment of the preferred plan.

Can I Buy a Life Insurance Policy Without a Medical Exam?

Yes, it is possible for you to buy life insurance online without taking a medical exam. You still have to answer questions about your overall health and lifestyle during the application process. If you are diagnosed with any pre-existing medical conditions, you should inform your insurance provider. This information will help the insurers to estimate the risk and calculate the cost of monthly premiums.

What are the Best Life Insurance Polices to Buy Online?

When you buy life insurance policies online, you also have the option to select from the following polices for good financial protection and coverage.

Level Term Insurance: This insurance policy covers a fixed time and pays out money if the policyholder dies during the policy term. The sum assured will remain the same throughout the policy term.

This policy also includes:

Term length of up to 40 years.
It also offers terminal illness cover without any extra cost.
Offers financial help for mortgage
This policy can be purchased on a joint basis.

Decreasing Term Insurance: A policy where the amount of cover reduces over time, commonly chosen to help protect a mortgage repayment. The sum assured reduces throughout the policy term.

This policy also provides:

The term length can be up to 40 years.
Provides payout to cover mortgage repayments and household expenses.
It can be taken on Joint Basis.

Whole of Life Cover: Whole life insurance offers lifetime cover and promises a payout when the policyholder dies.

What Questions Will Be Asked On The Online Application?

In the online application process, you will need to answer the following questions so that insurers can assess the level of risk involved and estimate the cost of your preferred life insurance policy.

Information regarding your Age, Name, weight and gender.
Overall Health: The insurers will consider your medical health, including any past illnesses and family medical history.
Job: Your job, your role in the job and whether you work in high-risk areas or conditions will be considered prior to the insurance policy being offered.
Lifestyle: Habits such as smoking, alcohol consumption or vaping.
Type of Policy and Term: The type of policy you will choose will be asked before you buy life insurance online.

As a policy buyer, you should always give correct information with honesty to secure your and your family’s wellbeing.

Read about life insurance for self-employed individuals.

Tips to Buy Affordable Life Insurance Online

Healthy Lifestyle: Those who avoid smoking or alcohol can get affordable insurance policies online since they are considered low risk.
Do your Research: Know about different life insurance policies and choose the one that suits your needs best.
Compare Quotes: Compare quotes from different insurers to find the best life insurance cover.

Final Thoughts!

Buying life insurance online is very easy and simple, which allows you to compare various insurance options to help you find the one that meets your preferences. Before choosing a policy to get the best life insurance online, make sure that you compare quotes and know the level of coverage as well as provide correct health details. A good life insurance policy can offer financial security for your family during tough times

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What is Term Life Insurance

FAQ's

Q: How can I buy a secure life insurance policy?

A: You buy a secure life insurance policy by choosing the sum assured, policy term and premium payment mode.
Q: Can I purchase life insurance online?

A: Yes, you can buy life insurance online. It is a safe and simple process that doesn’t require many complex steps.
Q: Does an ADHD diagnosis affect life insurance?

A: Yes, ADHD can sometimes increase the price of premiums if the condition is too serious.
Q: Can you get life insurance with pancreatitis?

A: Yes, you can get life insurance with pancreatitis, but the coverage depends on how severe the condition is.
Q: Can I buy life insurance without an agent?

A: Yes, you can buy certain life insurance policies online without requiring an agent.

˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

Rs. 400/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 400/month (Rs.13/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 230 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 12/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 497/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 487/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 626/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 905/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. ₹361/month is the starting price for a ₹1 crore loan cover with an 8% interest rate for an 18-year-old male, non-smoker, with no pre-existing diseases, loan tenure up to 20 years, rounded off to the nearest 10

+Rs. 1,267/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.

+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs.679/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 910/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,924month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

Women

+Rs. 400/month is Starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.

1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 years of age.

Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited

We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale

Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.

˜ Policybazaar Promise reflects the guarantee offered by insurers. Price assurance is based on certifications shared by insurers with us.