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10 Crore Life Insurance Policy

2020 has surely been a year, which will always be remembered. Not just with the new norm of wearing masks, practicing respiratory hygiene, the social distance and using sanitizers from to time this year has also given us some reality checks. In this time of the pandemic, the individuals have also understood the importance of a life insurance policy. Gone are the days when buying a term life insurance plan was considered a daunting and tedious task.

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Today, right sitting at the comfort of your home, office or from anywhere across the globe you can easily zero down a term life insurance policy that suits your pocket as well as needs.

What is a 10 Crore Term Insurance? 

A 1 crore life insurance coverage has been quite popular and common among insurance buyers. However, 10 crore life insurance plans are slowly taking their popularity. A 10-crore life cover guarantees to pay for the liabilities of the loved ones and can help achieve their lifestyle needs in absence of a policyholder. 

A plan that offers 10 crore term insurance cover, makes the payment to the nominee/beneficiary of the policyholder, in case of the policyholder’s unfortunate demise during the policy tenure. The main benefit of term plans is that they are pocket-friendly, and high coverage options also come with long terms. 

Note: Know more about what is term life insurance first before reading this article.

Best 10 Crore Life Insurance Plans

While buying an insurance plan remember that the cover should be ideally ten times the policyholder’s yearly take-home pay.

Term insurance is the purest and the simplest type of life insurance policy that provides financial protection to your loved ones at low premium rates. This plan offers you a large amount at pocket-friendly rates, The amount of benefit is paid to the nominee in case of an unfortunate death during the policy term. If you are planning to purchase a term insurance plan, always keep a certain parameter in mind such as age, lifestyle, future liabilities. The most common and popular type of cover is of 1 crore but now companies have also started to offer 10 Crore term insurance cover. 

However, you can also opt for Rs 10 crore life insurance policy. In the table below, is the list of Rs 10 crore term insurance plans available in the market that should be considered meeting your needs:

Insurer Plan Name Maximum Age Limit (For Cover Upto 67 years) Issuance Time
Aditya Birla Capital LifeShield Plan 82 years 18 days
Aegon Life iTerm 100 years 18 days
Bharti AXA Flexi Term Plan NA 18 days
Edelweiss Tokio Life Zindagi+ 80 years 18 days
Exide Life Insurance Smart Term Comprehensive 57 years 18 days
Future Generali Flexi Online Term 75 years 18 days
HDFC Life C2PP Life Option 85 years 15 days
ICICI Prudential iProtect Smart 85 years 11 days
IndiaFirst Life Insurance e-Term Plan 67 years 18 days
Kotak Life Insurance Kotak e-Term Plan 75 years 11 days
MAX Life Insurance Smart Term Plan 77 years 11 days
PNB Met Life Mera Jeevan Suraksha 67 years 14 days
Reliance Nippon Life Insurance Digi-Term 67 years 18 days
SBI Life eShield 80 years 18 days
TATA AIA Insurance Maha Raksha Supreme 85 years 8 days

Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

When it comes to a life insurance policy it essentially fills in as an income substitution tool that is intended to guarantee that the way of life of the enduring family doesn't endure without the acquiring part. Furthermore, if there are money-related liabilities or objectives, for example, a home loan, kid’s monetary necessities, and so forth, they are dealt with life cover. One needs to appropriately gauge while purchasing a Rs 10 crore life insurance policy with regards to the necessities.

Note: You can easily calculate the term plan premium by using the term insurance premium calculator online tool.

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Will Rs 10 crore Term Insurance Policy be Enough?

Life Insurance is not about appointing value to your life because life is priceless. The simplest way to compute an adequate life cover for you and your family is to multiply your yearly income or expenses of a family by 10. For example, if your annual income is more than 1 crore, you should opt for Rs. 10 Crore cover. 

There is one more method to compute life cover as per your requirements i.e., the human life value. In this, you are required to consider the amount of all your future income, excluding all your personal expenditures and taxes till your retirement age. 

Each person and family's needs are exceptional. On the off chance that the dependent is life partner and has a kid, then, a Rs 10 crore term insurance cover, for the most part, will be adequate. On the off chance that you wish to cover other members of your family, a bigger sum might be required. Purchasers should adopt an achievement-based strategy to purchase the right Rs 10 crore term insurance plan.

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How to Choose 10 Crore Life Insurance?

Today almost all the insurance companies in India offer Rs 10 crore life insurance policies or online term insurance plans. Deciding the right amount of coverage 

At the point when you need to find the insurance premiums online, you can look over entire insurance products of quick and secure installment choices like net banking, check cards, Mastercards and that's just the beginning. Since all installments are right away prepared through a safe entryway, you have guaranteed peace of mind. The installment procedures are fast, trouble-free, and give an instant online receipt. This is particularly perfect for times when you have to rapidly assemble documents for guaranteeing charge exclusions.

When you buy a Rs 10 crore life insurance policy online make sure that the plans offer key advantages. Don't hesitate to contact the insurance agency through its on the web/on telephone help stations for any questions. Choose carefully after reading the policy documents, your liabilities, age, and other objectives. 

Sometimes, choosing a Rs. 10 Crore life insurance plan can cause financial crunches in the long run. So, it is very important to understand the factors on which this selection should be based: 

  • Life objectives: The main objective of purchasing the right life insurance plan is to offer the much-required financial backup to your loved ones in case of an unfortunate demise. 10 Crore term insurance cover will help you in maintaining your lifestyle the way you wish. It is important to list your major goals of life to have a better idea of the amount your family would require to achieve their goals. 

  • Age: At different stages of life, financial requirements also change. You might not have any financial responsibilities at an early age, but as your family grows, liabilities also increase. Age is the most important factor that affects the premium rates. At young ages, you can buy life insurance plans at a low premium rate because of the lesser risk of illnesses. 

  • Existing liabilities: To compute a sufficient life insurance cover amount, you are required to list all your liabilities. Then, look out for an appropriate plan that provides you the right coverage at low premium rates. 

  • Annual Income: The answer to the question: How much life insurance is sufficient for my family? The straight answer is to check your annual income. Your earnings should always support the expenditure to allow your loved ones to get life insurance amount in case of an unfortunate event. 

  • Estimated years of working: The life insurance coverage amount you select should correspond to a premium amount that you can simply handle during the retirement years of your life. 

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Do I Need a 10 Crore Life Insurance Cover? 

Individuals across society are gradually understanding the need for having an insurance policy. With life-expanding its pace and vulnerabilities ascending continuously, every family needs a financial backup that helps them to manage the loss of a friend or family member, financially. To satisfy this expanding need for extra security, insurance companies are thinking of plans that accommodate the changing requirements of various people. To keep things basic, a term life coverage plan is the right plan for the general population.

Not every individual needs to buy a Rs 10 crore life insurance policy. Therefore, before you make the buying decision it is important that one clearly assess the requirements and accordingly make the choice and opt for the sum.

It should be understood that everyone does not need a big insurance cover. The basic intent of a life insurance policy is to provide cover to the dependents at the time when it is required the most and one the family does not have to undergo through financial challenges. Include a life insurance policy in your financial planning and investment portfolio. This will prove to be the by far best decision.

Note: You should also check the term insurance benefits if you are planning to purchase the term insurance plan.

Note: Check out the best term life insurance in India and choose one that suits your requirements.

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