Term Insurance is the simplest and most essential forms of life insurance. Term plan provides financial coverage to the policyholder’s family for a fixed time or years called the 'term' of a policy. This type of life insurance plan offers a death benefit to the nominee in case of the death of the insured during the policy term. A term insurance plan provides high life cover at low premium rates.Read more
Term Insurance is the most basic life insurance plan that provides coverage for a specific number of years i.e., term. This type of life insurance plan offers a death benefit to the beneficiary or nominee in case of the insured’s death during the policy term.
For e.g., A 30-year-old healthy, non-smoker male can buy a term cover of Rs. 1 Crore for his family for the next 20 years. If he buys a term plan, he must pay only Rs. 725/month. With this 1 crore cover, he can ensure that his family will be able to maintain their current lifestyle without any hassle in case of his untimely death.
Note: The premium differs based on the type of premium payment option opted by the policy buyer.
Let us understand how term insurance works with the help of an example:
Sameer, a Healthy and non smoking male.
Sameer bought a ₹1 crore Term Insurance for a 25 yrs policy term to secure his wife financially.
In the 9th Policy year, Sameer suffered an unfortunate death.
His wife received a ₹1 Crore death benefit from the insurer.
His wife can use the benefit & maintain her current quality of life.
Policybazaar’s Dedicated Claim Assistance Program (DCAP) assigns every customer a dedicated relationship manager to guide them through their policy and assist even during claim settlement. In tough times, we’re here to support you. We handle everything for you - from filling out the forms to ensuring your claims are settled. We’re here for your complete help at every step, so you never have to worry.
Buying term insurance online from Policybazaar is quick and simple, with just a few clicks. Now protect your family’s future while you bid adieu to all your stress.
Buy India’s best term insurance starting at just Rs.16/ day with Rs. 1 Crore cover, 10% discount online and 100% dedicated claim assistance. With Policybazaar term plan, you can easily compare and buy best term insurance plan in India 2024 and choose the plan that fits your needs. Here is a list of the best term insurance plans in India 2024 for you, based on various factors, including affordable term plan premium rates, flexible payout options, coverage, and reliability of insurance providers:
Insurance Company | Term Insurance plans | Entry Age | Max Maturity Age | |
ICICI Prudential Life Insurance | iProtect Smart | 18-65 years | 99 years | |
HDFC Life Insurance | Click 2 Protect Super | 18-65 years | 85 years | |
Max Life Insurance | Smart Total Elite Protection | 18-65 years | 85 years | |
Tata AIA Life Insurance | Tata AIA Sampoorna Raksha Promise | 18-65 years | 100 years | |
Bajaj Allianz Life Insurance | eTouch Plan | 18-55 years | 99 years | |
PNB Metlife Life Insurance | Mera Term Plan Plus | 18-50 years | 80 years | |
Canara HSBC Life Insurance | Young Term Plan - Life Secure | 18-45 years | 99 years | |
Kotak Life Insurance | Kotak e-Term | 18-65 years | 85 years | |
Edelweiss Life Insurance | Zindagi Protect | 18-65 years | 100 years | |
Bandhan Life Insurance | iTerm Prime | 18-65 years | 70 years | |
Aditya Birla Sun Life Insurance | ABSLI Income Suraksha Plan** | 21-55 years | 70 years | |
SBI Life Insurance | SBI eShield Next | 18-65 years | 100 years |
One of the main factors in selecting the best term life insurance plan for the financial protection of your family is deciding on the right sum assured option. Below are the options available for sum assured amounts that are best for you:
Term life insurance provides financial protection to your family and replaces your income in case you are not around. You pay a small fee every month/year to protect your family, and in case something happens to you, the insurance company pays a large sum of money (life cover) to your family. It costs as little as Rs 478/Month to buy a 1 crore life cover.
"Life Cover: Amount that the family receives on the demise of the policyholder (should be 10 times your annual income).
Cover till age: The age till which the term plan protects your family (generally opted till 70).
Payment Frequency: Premiums can be paid monthly or annually. Annual premiums have a 10% discount.
Life cover or sum assured is to take care of your family's expenses in your absence. Expenses include household expenses, which will increase with time due to inflation and any existing loans.
The thumb rule is to take a cover of 10 times your annual income. Why? Let me explain with an example:
Annual Income = 10L
Monthly expense = 35,000/month i.e. 4.2L/year
Loan = 20L
As per trends, your expenses double in 10 years due to inflation. Net expenses for the next 20 years would be 1.3 Cr. Adding 20L to pay off your loan, your family would need approx 1.5 Cr as your Life cover
Term insurance plans should cover you until your financial responsibilities are over. 1. Do you want cover till you retire? (since your financial obligations will be over). We recommend 65 in this case. 2. Do you want to leave a legacy amount for your family? We recommend 75 in this case as life expectancy is 70 in India
You can choose the number of years you wish to pay premiums till the age of 60 or the entire policy term, i.e., regular pay, or in 5/10/15 years, i.e., limited pay. Choosing Limited Pay has an added benefit. You can save up to 54% on your overall term plan premiums if you select limited pay for your Term Plan. 58% of the customers select a payment term of 10 years.
We provide a dedicated claim handler who can also come to your doorstep in 85+ cities. Our claim handler will get in touch and assist for free. He/she would be the one point of contact for all claim queries work with your nominee on documentation, and coordinate with your insurance provider. We would actively provide status updates, and your nominee would have no hassle of multiple follow-ups.
Commonly used riders and reasons to add them:
Waiver of Premium on critical illness/ disability - In case of permanent disability due to an accident or any critical illness, no future premiums have to be paid, and the life cover stays intact. This is available as a free add-on in most of the plans and is otherwise available at a minimal amount. Highly recommended to add this to your pure term insurance plan.
Accidental Death Benefit - In case the death happens due to an accident, an additional payout (amounting to the value of the base Sum assured) will be given over and above the base sum assured at a very nominal price. This is highly recommended to people who travel a lot or ride a two-wheeler frequently.
Critical Illness Benefit - On diagnosis of any critical illness (listed by the Insurer), you will get a lump sum payout (as decided while buying this rider) immediately. Once the benefit for critical illness benefit has been paid out, the life cover minus the critical illness cover continues with a reduced term plan premium. This might not sound very useful when you're young, but the relevance of this rider increases with your age.
Early Pay out on Terminal Illness - Get 100% payout in case you are diagnosed with any terminal illness (as listed by the Insurer). Some insurance providers may give a proportion of the sum assured as well. This is available as a free rider in most of the top plans we have.
While buying a term policy, it may be confusing to understand what term insurance online is better and how to find the best term life insurance plan. Here are steps that may help you choose the best term plan for yourself:
It is important to understand and assess your and your family’s financial needs before selecting a term plan. Your lifestyle involves spending habits and a basic living standard. When you have a clear idea about your lifestyle requirements, you can protect your family more efficiently.
Liabilities and debts are other important parameters to keep in mind when choosing the right term life insurance. In case the policy term does not cover the time of repayment of an existing loan or if the amount falls short, it can put a financial burden on your dependents.
By adding life term insurance riders, policyholders can enhance the coverage of the term policy to cover life’s eventualities. These can be attached to a base term life insurance at the time of purchasing a rider by paying a nominal premium.
Term insurance claim settlement is the % of claims settled by an insurance company compared to the total number of claims received in a fiscal year. The IRDAI releases the claim settlement ratio every year. A good claim settlement ratio indicates that the insurance provider has been quick and robust in its claim settlement process.
The solvency ratio of a life term insurance plan provider tells us if the chosen insurance provider is financially capable of settling the claims if the requirement arises. As per IRDAI, every insurance company should maintain a solvency ratio of at least 1.5.
Go through real customers’ reviews and see their experience with the insurance company. You should opt for an insurance company that prioritizes its customers and strives to resolve their issues at the earliest. You can also take a look at the company’s Persistency Ratio (declared by the IRDAI), to understand how many customers decide to stick with the insurance provider.
Take a good look at the policy documents to get a better understanding of the policy details. Ensure that the term life insurance policy benefits fit your requirements. You can also consult your financial advisor to make sure you are clear about all the terms and conditions of the term policy.
Most life term insurance plans offer the policyholder the option of choosing their most suitable benefit payout option. You can select the benefit amount to be paid to your nominee in a lump sum, regular/monthly income, a combination of lump sum + regular income, or increasing monthly income. If you are the main income earner of the family, you might want to consider opting for the regular income options as they can act as the new monthly source of income in case of your unfortunate demise.
After picking a life term plan and customizing your plan, you basically need to finalize the plan. You can buy a pure term insurance plan online easily in minutes by entering a few details and making a secure payment to buy term plan online.
++All savings are provided by the insurer as per the IRDAI-approved insurance plan. Standard T&C Apply
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West BengalAnyone who has financial dependents should buy a term plan, including parents, couples, self employed, businessmen, young individuals with dependents, SIP investors, housewives and in some cases, even retired individuals. Since these plans have lower premiums than most types of life insurance, you can not only secure your loved ones, but can also claim tax benefits as per the prevailing tax laws with the best term insurance plan in India.
Types of Individuals | Term Insurance Benefits |
Young Professionals |
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Newly Married |
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Working Women |
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Housewives |
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Taxpayers |
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Parents |
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Retirees |
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Senior Citizens |
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Self-Employed People |
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Non-resident Indians (NRIs) and Expatriates* |
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SIP Investors |
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*Expatriate meaning: An expatriate is a person who lives outside their native country, usually for work or long term residence.
Here is how term insurance works in India:
Term life insurance is one of the preferred types of life insurance because of its affordable premiums, low entry age, and easy-to-buy features. Long-term protection, the flexibility of choosing policy and premium payment terms, customisable cover, and liability protection are some other benefits of term insurance plans.
Parameters | Details |
Low Entry Age | Term insurance plans have a minimum entry age of 18 years. This plan allows young people to protect their family at early ages. |
Long Term Protection | With term life insurance, you can get long term protection against life's eventualities. Various term policy also provide the option of getting cover till 99/100 years of age. |
Easy to Buy | Term plans are easy to purchase online in just a few steps. Policybazaar help you easily compare from 15+ top insurers, choose and buy the best term life insurance that suits you needs. |
Premium Pay Options | Term life insurance offers several term plan premium pay options wherein you can choose to pay the premiums in monthly, quarterly, bi-annual, or annual modes. You can also choose to pay the premiums in limited, regular, or single installments. |
Customisable Cover | A term insurance plan allows flexibiliyu and you can increase the sum assured if you have opted for any life-stage option at the time of purchasing the term plan. |
Pay Off Loans/Debts | Your family can use the benefit payout to pay off the remaining loans and debts you might have left behind in your absence, like home or education loans. |
When it comes to looking for the best term insurance policy, there is no one plan that fits all your needs. You should align your requirements with the available plans to find what suits your needs the best. Here is a list of term plans offered by various insurance providers, along with their benefits:
Type of Term Plan | Benefits |
Basic Term Plan | Death benefit is offered in a lump sum amount at low term plan premium rates |
Term Insurance with Return of Premium (TROP) | Financial protection to your financial dependents at low premium rates in case of your death You are eligible to receive a return of all the premium amounts paid in case of outliving the policy term. |
100% Refund of Premium at No Cost Term Insurance | This life term insurance plan variant allows you to exit at a specific stage and receive all the term plan premiums paid at the end of the policy |
Term Insurance for Housewife | You can purchase term policy using your husband’s annual income for the additional financial security of your family |
Term Insurance for Self-employed and Business Owners | People with unsteady flow of income can secure their family against business loans and liabilities in their absence |
Term Insurance for NRI | NRIs and expatriates can buy term insurance plan in India via tele/video medicals and get GST waiver of 18% with additional 5% discount on annual term plan premium payment mode |
Coronavirus Term Insurance | Secure your family in case of an eventuality caused due to COVID-19 with coronavirus term insurance plan |
Term Insurance for Diabetics | Now, you can buy term insurance plan even if you are pre-diabetic or have type 2 diabetes at affordable term plan premium rates |
Saral Jeevan Bima | People with low income and educational qualifications can buy SJB plan to financially secure their loved ones, irrespective of their educational, resident background and occupation. |
A term plan can secure your family’s financial future in the following ways:
A term life insurance rider is an additional benefit or add-on cover that can be purchased over the base term plan.
Let us take a look at some of the important term riders that you can add to your base pure term insurance plan:
This term rider provides the rider sum assured in addition to the base sum assured, to the nominee of the term life insurance policy in case the policyholder suffers an unfortunate death due to an accident within the policy tenure.
Some term life insurance providers offer a Family Protect or the Parent Income Protect Rider that allows you to cover single or both of your parents. Under this, in case of the policyholder’s untimely death/ATPD, the insurer will payout a lump sum + monthly income to your surviving parent/(s).
Here is a detailed guide that you can follow while buying your pure term insurance plan:
Different people have different financial needs and goals. Therefore, it is essential to compare term plans before buying the ideal one. This comparison will help you find a term life insurance plan that offers the best features, benefits and riders so that you are covered against all life uncertainties. You can easily compare among top term plans from over 15+ best Indian insurers using Policybazaar’s comparison engine and buy the best plan.
Every insurance provider maintains a claim settlement ratio each financial year. It is important for customers to understand the insurance company’s claim clearance track record. It indicates how easily your nominees will receive the claim benefit after you unfortunately die. Therefore, you should always opt for an insuer that has a minimum CSR of 95% for 5 consecutive years. Policybazaar offers detailed information on the Claim Settlement Ratios of various insurance companies to help you make an informed decision.
The solvency ratio of an insurance company represents their financial situation in accordance with the solvency norms. It indicates the size of their capital with respect to the risks taken. By checking this ratio, you know if the insurance company has sufficient funds to settle claims in the short or long run. Usually, a solvency ratio of 150% is acceptable and is the ideal ratio for customers to rely on.
You might make the wrong buying decisions if you need clarification about your policy's benefits. It can also leave the beneficiaries needing clarification while filing a claim. Ensure that the benefits offered under the policy are a good match for your financial requirements. This careful analysis will help you select a term life insurance plan best suited to you. Policybazaar’s comparison tools can help clarify these benefits.
As a policyholder, understand that you need coverage not only for death but also for critical illness, disability, and accidents. These situations can severely impact your family's financial health, so it is wise to add suitable riders to your term plan for enhanced financial backup. Policybazaar offers a variety of riders that you can choose and add to your term life insurance plan.
Your life term insurance online offers a choice in the payout method. You can opt for a total lump sum payout or a combination where a part payment is made in a lump sum, and the remaining is distributed as regular monthly income. Or you can choose the One-time Lump Sum Payment + Increasing Monthly Payout option, where nominee will be paid monthly payouts that increase with each passing year for a definite period. This helps the nominees meet their immediate needs and sustains them for months. Choosing one of the right types of term insurance payouts ensures that your family’s needs are met with due course of time.
Policybazaar Insurance Advisors are available online 24x7 to solve all your doubts and queries regarding new or existing term insurance plans. The Dedicated Claims Assistance Program of Policybazaar also makes sure that you receive assistance for quick claim settlement any time of the day. You can try reaching out to see how fast your query is resolved and whether the support team is equipped to handle online queries satisfactorily. Policybazaar’s robust online presence ensures prompt and efficient customer support.
Here is how you can determine the right term life insurance cover amount to get enough cover for your family:
Here are some pointers that can help you choose the Best Term Insurance Plan in India:
Various factors can affect your life term insurance premiums. These factors include your age, gender, health, family medical history, current health conditions, and lifestyle. Here's a simple list:
Factors | Details |
Age | Younger people usually pay less because they're less likely to get sick. |
Gender | Women are required to pay lower term plan premiums because they live longer. |
Health | Your past and current health and your family's health can impact the cost. The term life insurance premiums may be higher if you or your family have had serious illnesses. |
Lifestyle Habits | Smoking, drinking, or risky activities can lead to higher term plan premiums because they increase health risks. |
Occupation | If your job is risky, you might pay more because it can affect your health. |
Policy Duration | How long you want the insurance and how much coverage you need can also change the cost. |
Lifestyle | If you do risky sports like mountain climbing, your term plan premiums might increase due to the added danger. |
Various pure term insurance plans in India offer the option of choosing the most suitable payout options. For example, in the absence of the main breadwinner of the family, the family might suffer from meeting their monthly expenses in case of loss of regular income. In such cases, a term life insurance with a monthly payout option will help payout in instalments over a span of 5 to 10 years. The available death benefit payout options in term life insurance are
Payout Options | Details |
Lump sum Payout | This option provides the entire life term insurance online life cover amount in a lump sum at the time of claim settlement to the nominee of the term policy. The nominee can use the payout to meet their financial obligations as per their suitability. |
Monthly Payout | This term life insurance payout option provides the sum assured in regular instalments over a period of 5 to 10 years, as per the policy details. This option helps replace the loss of regular income in the absence of the main income earner. |
Lump sum with Monthly Income | Under this term insurance payout option, the insurer pays a fraction of the sum assured as a lump sum payout on the death of the policyholder, while the remaining amount is paid as monthly income for a specific period. The immediate lump sum payout can help take care of the funeral costs and pay off any remaining loans, whereas the regular income can help maintain the family’s financial stability. |
Increasing Income | This insurance payout option provides the life cover amount as monthly installments where the income amount will increase by a fixed % every year until the entire sum assured is paid off. This option can help the nominee beat inflation as the income amount will increase with time. |
It's important to select the death benefit payout option that best fits your insurance needs and the requirements of your beneficiaries. You need to consider factors like the sum assured on death, the financial goals of your nominees, and any ongoing financial obligations like loans that may need to be covered. You can consult with a insurance advisor to help you make an informed decision about the best term insurance plan for you.
Types of Documents | Description of Documents |
Identity Proof | Passport, Voter ID, Adhaar Card, PAN Card |
Income Proof | For Salaried Individuals
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Address Proof | Electricity, telephone, gas, or water bills not more than 2 months old, property tax receipt |
Medical Proof | Latest medical reports allocated by the insurance provider |
Comparing term insurance plans online can have the following benefits:
Online comparison of term life insurance will help you determine the right term plan as per your financial capacity and budget. It is important to compare the best term insurance plans online before buying any policy.
To help you make an informed decision, here is a comparison of the best term insurance plans in 2024. Refer to this table and find out the right pure term insurance plan for you.
Term Policy | Entry Age | Maximum Maturity Age | Policy Term | Sum Assured |
Max Life Insurance Smart Total Elite Protection | 18 - 65 years | 85 years | 10 - 67 years | 1 Crore - no limit |
Bajaj Life Insurance Allianz e-Touch | 18 - 55 years | 99 years | 10 - 81 years | 50 Lacs - 10 Crores |
Tata AIA Life Insurance Sampoorna Raksha Promise | 18 - 65 years | 100 years | 10 - 67 years | 25 Lacs - no limit |
ICICI Prudential Life Insurance iProtect Smart | 18 - 65 years | 99 years | 5 - 69 years | 50 Lacs - 20 Crores |
HDFC Life Insurance Click 2 Protect Super | 18 - 65 years | 85 years | 5 - (85 - entry age) years | 50 Lacs - 20 Crores |
ABSLI Income Suraksha Plan | 21 - 55 years | 70 years | 5 - 49 years | 25 Lacs - 25 Crores |
Term insurance premiums increase with age, and thus insurance advisors suggest that you should buy term plans as early as possible. This allows you to secure a large cover at a lower premium amount. Let us take a look at how the monthly premiums of a 1 Crore term insurance vary for healthy males in different age groups:
Age Groups | Premiums for Non-smokers | Premiums for Smokers |
People in 20s | Rs. 728 | Rs. 1,158 |
People in 30s | Rs. 760 | Rs. 1,369 |
People in 40s | Rs. 1,109 | Rs. 1,997 |
People in 50s | Rs. 1,787 | Rs. 3,364 |
People in 60s | Rs. 5,795 | Rs. 9,059 |
* The premiums listed above are subject to change and are applicable for a salaried, healthy male covering till 65 years.
The 3 easy steps to buy term insurance plans in India are as follows:
Step 1: Choose the most suitable sum assured and policy term as per your individual needs
Step 2: Compare the available term life insurance plans on the basis of their term plan premiums, premium payment options, and benefits offered
Step 3: Buy the best term insurance plan in India and proceed to pay
Term insurance plan is important during COVID-19 for several reasons:
Here is a list of some important term plan terminologies that you should know:
Ans. Term plans is a life insurance plan which offers financial protection to the policyholder for a specified time. In case of unforeseen death of the insured during the policy term, the insurance provider pays the death benefit to the beneficiary.
Ans. A pure term insurance plan offers financial protection for the family in case of the untimely policyholders death. And you can also get optional coverage for accidental death or critical illnesses. Term plans also cover you for long term at low premium rates.
Ans. Pradhan Mantri Suraksha Yojana is a 1-year term life insurance yojana for a 2 lakh life cover. It offers death coverage because of any cause. This scheme comes with a risk cover of Rs. 2 Lakhs in case of the insured's demise for any reason.
Ans. LIC term insurance plans are the term plans offered by the Life Insurance Corporation of India. These plans allow customers of all backgrounds to get life insurance coverage of high cover at affordable premiums. You can take a look at the available term life insurance plans to choose the one that best suits your needs.
Ans. The disadvantages of term life insurance are:
Ans. There are no specific criteria but it is always best to buy a term life insurance as early as possible. The term plan premiums tend to be higher for people in their 30s than for those in their 20s and so on. Buying insurance is always a good idea whether you are in your 20s, 30s, or above.
Ans. You can find a quick answer to this question by computing your Human Life Value or HLV. HLV is a simple number that helps you calculate your required life insurance.
Ans. Yes, there is no limit on buying multiple-term plans to fulfill your life objectives. Buying more than one term life insurance plan is certainly beneficial in terms of a number of death benefit payout options, cost-effective term plan premiums, riders, coverage, hassle-free claim settlement, and tax exemption u/s 10(10D) of ITA.
Ans. Over the past two years, there has been an 80% increase in women purchasing term insurance in India, reflecting a growing trend of women taking charge of their financial planning. Women are not only securing their families' futures but also choosing high-cover plans, with a 120% rise in purchases of policies with higher coverage amounts.
Ans. Yes, both working women and housewives are increasingly buying term insurance. Working women, including salaried and self-employed, account for 55-60% of the purchases, with many opting for high coverage amounts of ₹2 crore or more. Housewives, making up around 40% of term insurance buyers, are also prioritizing financial security, with growing awareness of the benefits.
+Rs. 478/month (Rs.16/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
Prices offered by the insurer are as per the IRDAI approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited
We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881
For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale
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