Best Single Premium Insurance Plans in India^~

In a single premium insurance policy, you get coverage for full term by paying premium amount in a lumpsum, in one go. You will be saved from keeping a tab on renewal date and paying at a stipulated time.

Investment Plans

Generate wealth Earn 1 Cr^# in maturity with Zero LTCG tax^¶
Double tax savings^ On premiums (under 80C) and on maturity (under 10(10D))
Compare & Choose 30+ Plans and 150+ Fund options

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Pay once and enjoy the insurance coverage forever!

You should opt for a single premium policy if:

Your hectic lifestyle makes it difficult to pay premiums on time.
You don’t have a steady cash flow to pay premiums regularly.
You simply don’t like the stress of keeping a tab on dates and renewing periodically.

We have come up with some of the best single premium insurance plans in India 2017 which are offering maximum returns. Let’s have a look-

LIC Jeevan Vriddhi

The risk cover is in the multiple of premium chosen by you. The policy can be surrendered after the first year with a payback up to 90% of the single premium.

Duration	10 years
Minimum-Maximum entry age	8-50 years
Minimum Sum Assured	Rs 1,50,000
Maximum Sum Assured	No Limit
Minimum Premium	Rs 30,000

Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer. Tax benefit is subject to changes in tax laws. *Standard T&C Apply

ICICI Pru iAssure Single Premium

It is a non-participating single premium plan that assures guaranteed returns and offers a life insurance cover to take care of your loved ones after your death.

Duration	5 or 10 years
Minimum age at entry	Duration (Years)	Age (Years)
	5	13
	10	8
Maximum age at entry	70 years
Minimum age at maturity	18 years
Maximum age at maturity	Duration (Years)	Age (Years)
	5	75
	10	80
Minimum Sum Assured	125% of single premium
Maximum Sum Assured	Age at entry	Sum Assured (% of single premium)
	Up to 55 years	500%
	56-70 years	125%
Minimum Premium	Rs 20,000

Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer. Tax benefit is subject to changes in tax laws. *Standard T&C Apply

AEGON Religare iMaximize Single Premium Insurance Plan

Offering 3 investment funds choice, AEGON Religare aims to maximize your investments. It has no allocation charges and thus, more funds are available for investment purpose. The plan also allows partial withdrawal.

Duration	5 or 10 years
Minimum-Maximum entry age	8-60 years
Minimum-Maximum Maturity Age	18-65 years
Available Policy Term	Age at entry	Policy term
	Up to 50 years	10 years
	More than 50 years	5 years
Minimum Sum Assured	Below 45 years	Greater than or equal to 45 years
Minimum Sum Assured	125% of the single premium	110% of the single premium
Minimum Premium	Rs 1,00,000

Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer. Tax benefit is subject to changes in tax laws. *Standard T&C Apply

Max New York SMART Steps Single Premium

It is a ULIP plan designed to meet your child’s future needs. You can choose an investment option out of the available 5 fund options.

Life insured under the policy	Parent
Age of the life insured	21-50 years
Age of the child	91 days- 15 years
Maximum Maturity Age (Life insured)	60 years
Policy Term	Minimum	Maximum
Policy Term	10 years	25 years
Premium Bands	Band 1	Band 2
Premium Bands	Rs 50,000-Rs 2,99,999	Rs 3,00,000 and above
Sum Assured	Single Premium X 5
Minimum Premium	Rs 50,000
Allocation Charges	Depend on the premium brand chosen

Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer. Tax benefit is subject to changes in tax laws. *Standard T&C Apply

HDFC Life Single Premium Pension Super

It is a ULIP plan that creates a corpus over the policy term to produce post-retirement income.

Duration	10 years
Minimum entry age	40 years
Maximum entry age	75 years
Maturity Age	Minimum	Maximum
Maturity Age	18 years	65 years
Maturity Benefits	101% of single premium

Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer. Tax benefit is subject to changes in tax laws. *Standard T&C Apply

Remember in a single premium policy, tax benefits are available only in the first year when the one time premium is paid. Read the policy documents carefully before final purchase. Single premium plans are nothing but simply a plan differentiated on the mode of payment. If you are unable to pay in one go then you must opt for plans that offer flexibility in payment modes. Compare at PolicyBazaar before making final decision on one time premium insurance purchase or for choosing best investment options for getting high return on you saving.

˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

Past 10 Years' annualised returns as on 01-07-2025

^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.

Tax benefit is subject to changes in tax laws. Standard T&C Apply
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.

**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).

Invest More Get More!

You Get

₹1 Crores*

You Invest

₹10K/month

You Get

₹80 Lakhs*

You Invest

₹8K/month

You Get