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IndiaFirst Life Plan

IndiaFirst Life Plan is a non-participating, non-linked pure term insurance plan. It offers financial support to the family members of policyholders in case of their sudden death. The policy provides lump-sum money as a death benefit. It does not include any maturity benefit. It allows policyholders to choose different premium payment terms and modes. 

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It offers flexibility to meet policyholders' financial needs in terms of their age, life stages, and other aspects. However, the policy provides benefits if a minimum sum of Rs. 1,00,000 and a maximum sum of Rs. 5,00,00,000 is assured. The surrender option available in the policy allows the assured individuals to withdraw funds if required to meet financial emergencies. The policy follows the rules and norms as per IRDA.



Policy Tenure

5-40 years

Premium Payment Terms

Single Pay or Equal to the policy term

Premium Payment  Mode

Regular: Monthly, Half-Yearly, Yearly

Single: One Time Payment only

Entry Age

18-60 years

Maturity Age

70 years

Grace Period

30 days (15 days for Monthly premium mode)

Sum Insured

Minimum: Rs. 1,00,000

Maximum: Rs. 50,00,00,000


The policy does not offer any liquidity benefit.

Benefits of IndiaFirst Life Plan

The following are the key benefits offered under the IndiaFirst Life Plan:

Flexibility: The policy offers flexibility to choose either single premium payment or regular premium payment options. Each of the plans provides choices to opt for monthly, half-yearly, or annual premium payment modes.

Surrender Benefit: IndiaFirst Life Policy offers up to 40% of the premium paid if the plan is surrendered after the 2nd policy year and before the policy maturity date in the single premium payment option only. The surrender benefit calculates any unexpired term at the date of policy surrender.

Tax Benefits: Tax benefits are available on the premiums paid and death benefits received as per prevailing tax laws.

*Tax benefit is subject to changes in tax laws

Death Benefit: The policy offers a lump sum in case of the death of assured life. It helps to secure the life of family members. In case of the end of a minor, the benefits* are offered to the nominee.

*Standard T&C Apply

The Premiums for IndiaFirst Life Plan

The policyholders can pay the IndiaFirst Life Plan premium as a regular or single premium payment option. The premiums can be paid through monthly, half-yearly, or annual premium payment mode.

Premium will depend on the plan term and the sum assured and the life assured’s age.

The minimum premium amount for the below-given premium payment frequencies are as follows:

  • The single premium option has a minimum premium limit of Rs. 5,000.
  • The Regular premium option has a minimum premium limit as follows:
    • Monthly: Rs. 100
    • Half-Yearly: Rs. 500
    • Yearly: Rs. 1,000

The IndiaFirst Life Plan calculator available online helps calculate the premium amount.

Additional Riders for IndiaFirst Life Plan

Not Available.

Eligibility for IndiaFirst Life Plan

The eligibility criteria to apply for IndiaFirst Life Policy are mentioned below.

Entry Age:

  • Minimum: 18 years
  • Maximum: 60 years

Maturity Age:

  • Maximum: 70 years

The policyholders must be Indian citizen. In the case of a minor, policyholders can appoint a nominee.

What are the documents required to buy this policy?

The key documents required to process KYC operations of the policy are mentioned below.

  • Identity proof documents like Voter ID, PAN ID, driving license, AADHAAR ID, passport
  • Address proof like AADHAAR ID, driving license, Voter ID, passport, ration card
  • Salary slips and Income tax returns

How to buy this plan online?

This plan is not available for purchase online on the insurer website. You need to leave your contact details like email address and phone number so that an IndiaFirst financial executive can get back to you to discuss the plan.

The applicant must read IndiaFirst Life Plan Reviews available online before making a final decision.

To buy IndiaFirst Life Plan, the interested individuals must assess the IndiaFirst Life Plan premium quotes by providing necessary details such as assured sum, policy term, and other information on the company website.

Once the premium amount is chosen, the interested individuals can provide contact details and click the submit button.

Exclusions of IndiaFirst Life Plan

The IndiaFirst Life Plan presents one Suicide clause. According to this, in case of death by suicide of the policyholder, the nominee will receive the higher of either the surrender value for single premium mode or 80% of the total premium paid amount, if the death incurs within the 12 months from the date of revival or inception of the policy.

*Standard T&C Apply

Other than this, there are no exclusions related to this plan.


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