Future Generali Express Term

Future Generali Express Term Plan offers life insurance till 85 years plus health cover for individual policyholders. The policy provides four options to choose premium payment terms based on age, income, and other policy aspects. Option 1 offers life cover, Option 2 offers extra life cover; Option 3 offers life plus health cover, and Option 4 offers all-in-one cover. As a life cover, it provides security for 34 critical illnesses.

Read more
Get ₹1 Cr. Life Cover at just ₹449/month+
Tax Benefit
Upto Rs. 46800
Life Cover Till Age
99 Years
8 Lakh+
Happy Customers

+Tax benefit is subject to changes in tax laws.

++All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Get ₹1 Cr. Life Cover at just ₹449/month+
Covers COVID-19
View plans
Please wait. We Are Processing..
Get Updates on WhatsApp
By clicking on "View plans" you agree to our Privacy Policy and Terms of use

The policy also includes scopes to changes the premium payment modes if required, to suit better financial convenience. The policyholders can customize their cover according to their preferences.



Policy Tenure

Option 1 and Option 2

5/10/15/20/25/30 -85 years less entry age (Limited and Regular pay plan)

Option 3 and Option 4

Equal to Premium Payment term (Limited pay)

5 years to (80 years less entry age) years, subject to policy term and premium paying term

Premium Payment Terms

Limited Pay: 5/10/15, or 60 years less the age at entry, subject to a minimum 5 years

Regular Pay

Premium Payment  Mode

Monthly, Quarterly, Half-Yearly, and Yearly

Entry Age

18 -65 years

Maturity Age

  • Minimum: 23 years
  • Maximum: 85 years (Option 1 and Option 2) and 80 years (Option 3 and Option 4)

Grace Period

15 days (Monthly)

30 days (Quarterly, Half-Yearly, and Yearly)

Sum Insured

  • Minimum: Rs. 25,00,000
  • Maximum: No limit. Subject to underwriting by Company


The policy does not offer any loan

Benefits of Future Generali Express Term

The core benefits offered by Future Generali Express Term are as follows:

  • Different Plan Options: Future Generali Express Term Policy offers four plan options such as life cover, extra life cover, life plus health cover, and all-in-one cover. 
    • The Life Cover Option offers financial support in case of death or terminal illness
    • The Extra Life Cover provides additional financial support in case of accidental death. It also includes benefits available in Life cover.
    • The Life plus Health Cover provides critical illness benefits. It also includes services available in Life cover.
    • All-In-One Cover provides accidental death and critical illness benefits. It also includes services available in Life cover.
  • Surrender Benefit: The benefit is offered for only a limited premium payment option. The policyholders can surrender the policy at any time (except the last policy year) after the premiums for the first three policy years are paid. It provides a lump sum amount at surrender value.
  • Critical Illness Benefit: Future Generali Express Term Policy covers 34 critical illnesses if Option 3 or Option 4 policy plans are chosen.
  • Tax Benefit: It offers tax benefits* for premiums paid as per Section 80C and 80D of Income Tax Act 1961.

(*Tax benefit is subject to changes in tax laws)

The Premium for Future Generali Express Term

The policyholders can choose four Future Generali Express Term premium payment frequencies such as monthly, quarterly, half-yearly, and yearly. Minimum premium amounts are as shown below:

  • Monthly: Rs. 500
  • Quarterly: Rs. 1,000
  • Half-Yearly: Rs. 1,000
  • Yearly: Rs. 2,000

There is no maximum premium amount mentioned in the policy. However, it depends on the amount of sum assured. Future Generali Express Term calculator available online is helpful to calculate the premium amount.

Additional Riders for Future Generali Express Term

Not Available.

Eligibility for Future Generali Express Term

  • Entry Age: 18- 65 years
  • Maturity Age: Minimum 23 years and maximum 85 years for Option 1 and Option 2 and 80 years for Option 3 and Option 4

What are the Documents Required to Buy this Policy?

  • Identity proof such as Voter ID, Aadhar ID, PAN ID, driving license, or passport
  • Address proof such as Voter ID, Aadhar ID, driving license, passport, or ration card
  • Income proofs such as salary slips or ITRs

How to Buy this Plan Online?

Buying online Future Generali Express Term plan is currently not an option. You can follow the below steps, to get in touch with the advisor:

Step1: The policyholders must visit the official website of Policybazaar.com and choose relevant gender to buy Future Generali Express Term.

Step2: Enter the required details such as contact number, the city in which you live along with the pin code.

Step3: The financial advisor will contact back and discuss necessary details and terms and conditions related to the policy to choose the Future Generali Express Term premium amount and other policy terms.

Step4: Interested individuals can fill up the application form by providing the necessary details.

Step5: Once the medical examination is conducted, the policyholders will get the policy issuance based on the document assessment and verification.

The applicants can study Future Generali Express Term reviews available online before buying the policy.

Exclusions of Future Generali Express Term

Here is a rundown to the key exclusions of Future Generali Express Term:

  • Death Benefit: In the case of suicide, the policy will not offer any death benefit. However, if the death occurs within 12 months of risk commencement date or policy revival date, it will draw 80% of total Future Generali Express Term premium paid until date or survival value as applicable.
  • Accidental Total and Permanent Disability: The policy will not offer any benefit if the disability does not last at least 180 continuous days.
  • Accidental Death Benefit: It will not offer death benefits due to suicide, participation in riots or terrorist activities, fraud, or adventure sports.
  • Critical Illness Benefit: It will not offer any benefit in critical illness due to pre-existing diseases, drug addiction, self-injury, nuclear contamination, and others.


Premium By Age

why buy term insurance

FREE Term Life Insurance Quotes in minutes

  • The Best Price
  • Get Upto 10% Online Discount
  • Dedicated Claim Assistance Program

+Standard T&C Apply

Term insurance articles

Recent Articles
Popular Articles
LIC Relaunched A Term Assurance Plan: LIC New Jeevan Amar

25 Nov 2022

Life Insurance Corporation (LIC) of India recently relaunched...
Read more
HDFC Term Insurance Customer Care

18 Nov 2022

HDFC life insurance company offers various term life insurance...
Read more
Limited Pay Term Insurance Plans for 15 Years

04 Nov 2022

The limited Premium payment option allows you to pay the premium...
Read more
HDFC Life Click 2 Protect Elite

20 Oct 2022

HDFC Life Click 2 Protect Elite is a comprehensive term insurance...
Read more
This Bhai Dooj Gift Your Sibling Financial Security With Term Insurance

12 Oct 2022

Bhai Dooj celebrates the spirit of love and affection between a...
Read more
Life Insurance Companies in India
Top Life Insurance Companies of India With Claim Settlement Ratio Life Insurance Companies in...
Read more
Zero Cost Term Insurance Plan
Zero-cost term insurance is a new variant of term plans in which the policyholder has the option to exit the term...
Read more
Term Plan with Return of Premium - TROP 2022 | Policybazaar
Term insurance Return of Premium (TROP) is a variant of a term insurance plan in which the entire premium paid...
Read more
Term Life Insurance for NRI in India
Every bread-earner wishes to provide financial security and stability to his/her family in some way. Whether you...
Read more
LIC Term Insurance 1 Crore
If you have a LIC term insurance 1 Crore handy, you can cherish all your happy moments as you have made a fine...
Read more

View Plans
Download the Policybazaar app
to manage all your insurance needs.