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10 Crore Term Insurance Plans

Financial security and planning are one of the most important priorities, especially when it comes to your family members. To start with, it might be the right time to consider buying a 10 crore term insurance plan. Read on to know more:

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Best Five Rs. 10 Crore Term Insurance Policies 

The below table illustrates the best 10 Crore term insurance plans. Look at these plans carefully and choose the one that suits you the best: 

10 Crore Term Insurance Plans  Age at Entry  Age at Maturity Policy Term  Sum Assured (in Lacs)
Bharti AXA Flexi Term Insurance Plan  18 years to 65 years  85 years  Min: 5/10/15/20 years to age: 60 and 75 years  Max: Same as Policy Term  Min: 10 Lakhs  Max: 25 Lakhs 
ICICI Pru iProtect Smart  18 years to 65 years  75 years  5 to 40 years  Min: Subject to minimum premium  Max: No Limit 
Aditya Birla Capital Life Shield Plan  18 years to 65 years  85 years  10 to 55 years  Min: 25 Lakhs  Max: No Limit 
SBI Life e-Shield Plan  18 years to 65 years 100 years  5 years to (100 less entry age) in years  Min: 50 Lakhs  Max: No Limit 
HDFC Life Click 2 Protect Plus Life  18 years to 65 years  85 years  5 years to (85 years less entry age) Min: 25 Lakhs  Max: No Limit 

You can calculate the 10 crore term insurance premium rates using term insurance calculator

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Who Should Opt for a 10 Crore Term Insurance Plan? 

Here is a list of individuals who can opt for a 10 Crore life insurance policy to secure their family’s financial conditions in their absence.

  • Term insurance plans are suitable for individuals who are in their late 20s or early 30s. The reason behind this is that the 10 Crore term insurance premium rates are economical for people who are healthy and young.

  • The 10 Crore term insurance plans are suitable for those who have a large family with a wife, children, parents, etc.

  • A 10 Crore life insurance policy is also suitable for those who want to build large amounts of saving for their loved ones in case of the breadwinner’s absence. 

  • Term insurance 10 Crore plans are suitable for those who have large financial commitments.

Why Buy a 10 Crore Term Insurance Plan? 

Here are 5 reasons to buy a 10 crore term insurance plan: 

  1. High Cover at Low Premium Rates 

    One of the main benefits of buying a 10 Crore term insurance plan is large coverage at low premium rates. You can opt for a plan with 10 crore term insurance premium rates as low as Rs. 4300 when you start at an early age.  

  2. Additional Coverage Benefits 

    A 10 crore life insurance policy comes with additional coverage advantages such as add-on coverage. For example, you can increase the coverage of plans by availing of a terminal illness rider, waiver of premium rider, and accidental death benefit. 

  3. Financial Protection 

    Buying term insurance for 10 crores will make sure that the financial needs of your family are taken care of even in your absence. Also, the death benefit can be used to pay off liabilities, and loans, or can use the amount for household expenses. 

  4. More Savings 

    If you buy a 10 Crore life insurance policy, it will provide you with long-term life cover at low premium rates.

  5. Tax Benefits 

    Get tax savings benefits on the 10 Crore term insurance premium up to Rs. 1.5 Lacs which is deductible u/s 80C of the ITA, 1961. 

How To Buy 10 Crore Term Insurance From Policybazaar? 

Here is a step-to-step guide for buying a 10 Crore term insurance from Policybazaar: 

Step 1: Visit the 10 Crore Term insurance form 

Step 2: Fill in all the required details like name, age, and contact details, and then click on the tab ‘View Plans’

Step 3: Answer few questions related to chewing or smoking habits, occupation type, annual income, language and education. 

Step 4: After the submission of all the relevant information, a list of all available 10 crore term plans will be displayed on the screen. 

Step 5: Select the plan that suits your financial requirements and then proceed to ‘Buy’ the plan  

*Note: You can easily know what is term insurance and then buy term insurance with 10 crore cover.

Five things to know before buying Term Plan Five things to know before buying Term Plan

How to Find the Best 10 Crore Term Insurance Plan? 

There are a number of insurance companies that offer 10 Crore life insurance policy at competitive rates. However, if you have already finalized a 10 Cr term plan to protect your family members financially in case of your absence, below are some of the important factors that you should look into at the time of purchasing a 10 Crore term insurance plan.

  • Option to increase coverage without purchasing a new term plan 

  • Default coverage for critical ailments such as heart stroke, cancer, etc. 

  • Option to pay the amount of benefit as regular income after filing a claim 

  • Option to offer an increasing regular income after filing the claim 

  • Additional benefits for disability and accidental death

Documents Required To Buy 10 Crore Term Insurance

You can buy a term insurance 10 Crore online by submitting the following documents at the time of policy purchase:

  • Age and Photo Identity Proof (Voter ID, Driving License, PAN card, Aadhar Card, etc)

  • Address Proof (Voter ID, Aadhar Card, etc)

  • Income Proof (salary slips, IT return, employer’s certificate, or Form 16)

  • Medical Certificate


  • What is the maximum limit of term insurance?

    Ans: Term insurance usually has an age limit of up to 60-65 years of age. This means most term plans can only be bought by individuals who are between 18 - 65 years of age.
  • How much term insurance life cover should I take?

    Ans: You should ideally purchase a term plan that is at least 15 to 20 times your current annual income. So if your current annual income is Rs. 50 Lacs, you should buy a 10 Crore term insurance plan.
  • Do we get the full amount in term insurance?

    Ans: TROP Plans are a variant of term life insurance plans that return the entire premiums paid in keeping the policy active, back to the policyholder at the end of the policy term.
  • Can term insurance be rejected?

    Ans: Yes, term insurance plans can be rejected by the insurance company if any of the declared information is found to be false, incomplete, or undisclosed.
  • What are the factors to consider when buying 10 Crore term insurance plan?

    • Life objectives
    • Age
    • List your liabilities
    • Check your annual income
    • Estimated working years

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