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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.

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The discounts will be valid for the entire policy payment term and is not available if you choose to buy the insurance through offline agents.
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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 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.


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