25 Lakh Term Insurance

A ₹25 lakh term insurance plan provides ₹25 lakhs to your nominee in case you pass away during the policy term, offering financial benefit at affordable rates. With this payout amount, your family can take care of their financial needs like paying the rent, having the right financial safety net is important. Term insurance, especially for 25 Lakhs, offers an effective solution at affordable premium rates. taking care of the child’s education, or repaying the remaining loans. You can use the term insurance calculator to see the approximate 25 Lakh term insurance premiums for yourself.

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What is a 25 Lakh Term Insurance Plan?

A 25 Lakh term insurance is a term insurance plan that offers a life cover of 25 Lakhs to the policyholder for a limited term. The life cover amount is paid to the family of the policyholder in the event of the policyholder’s untimely death during the policy term. Several insurance companies offer affordable 25 Lakh term insurance premiums, which can be purchased online in an easy and hassle-free manner. Let us take a look at some of the 25 Lakh term insurance plans in India.

Term Plans

₹1
Crore

Life Cover

@ Starting from ₹ 13/day⁺

₹50
LAKH

Life Cover

@ Starting from ₹ 8/day⁺

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day⁺

What are 25 Lakh Term Insurance Plans in India 2026?

Here is a list of the 25 lakh term insurance plans available in India 2026:

25 Lakh Term Insurance	Entry Age	Maturity Age	Policy Term
SBI Life Saral Jeevan Bima	18 – 65 years	70 years	5 – 40 years
Axis Max Life Saral Jeevan Bima	18 – 65 years	70 years	5 – 40 years
PNB Saral Jeevan Bima	18 – 65 years	70 years	5 – 40 years
ICICI Pru Saral Jeevan Bima	18 – 65 years	70 years	5 – 40 years
Tata AIA Saral Jeevan Bima	18 – 65 years	70 years	5 – 40 years

*You can use the term insurance premium calculator to estimate the 25 lakh term insurance premium you would need to pay for the desired plan.

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How Does a 25 Lakh Term Insurance Plan Work?

Let us understand this with an example:

If Karan, an 18 year old, non smoking individual, purchased a 25 lakh term insurance at the age of 18 years for a policy term of 30 years, the premiums he would need to pay would start from Rs. 253 per month. If he suffered an unfortunate death during the policy term, his family will be able to claim the 25 lakh term death benefit and will be able to lead a life without financial stress.

Why Buy a 25 Lakh Term Insurance Plan?

Buying a 25 lakh term insurance plan is ideal for you because of the following reasons:

Financial security: This term plan ensures that the needs of your family are met, even in case of your absence.
Debt Relief: If it is a credit card debt or a home loan, this amount of coverage ensures your family members do not have to take the financial burden.
Affordability: You receive substantial coverage at low premium rates that does not hurt your pockets, offering you peace of mind at minimal cost.
Flexibility: With the customisation, you can add riders such as accidental death benefits or critical illness.

What Are The Key Features & Benefits Of Term Insurance?

Key Features	Benefits Offered
Death Benefits	Fixed amount paid to the nominee in case of the untimely demise of the policyholder
Maturity Benefits	Available under Return of Premium option only
Tax Benefits	Available u/s 80C and 10D of the Income Tax Act
Riders Benefits	Rider benefits vary from policy to policy, but the general benefits are: Accelerated Death Benefit Rider Accidental Death Benefit Rider Critical Illness Benefit Rider Accidental Disability Benefit Rider Income Benefit Rider Waiver of Premium Rider
Coverage Against Various Liabilities of Term Insurance	Mortgage, Loans, and other types of debts are generally covered in most of the term policies
Buying Process	Online and Offline
Claim Assistance	Available
Premium Payment Frequency in Term Life Insurance	Annually, Quarterly, Half-Yearly, Monthly, Single
Payout Options of Term Plan	One Time Lump-Sum Plus Fixed Monthly Payouts, One Time Payout, One Time Lump Sum Payment Plus Increasing Monthly Payouts, and Fixed Monthly Payouts
Financial Protection	Protects the family financially in case of the untimely demise of the policyholder
Low Premiums	Large cover at affordable prices. One of the easiest policies with low premiums in the market

What Are The 25 Lakh Term Insurance Premium Payment Options?

The 25 Lakh term insurance premium amount depends on the various premium payment options. There are three premium payout options available under 25 Lakh term insurance plans:

Regular Pay

In this, assured is required to pay premiums periodically for the complete policy period. Premiums can be paid Yearly, Half-yearly, quarterly, or Monthly.
Limited Pay

A policyholder can make recurring payments for a fixed decided time. The premium payment term is less than the policy term under the limited pay option.
Single Pay

This option allows the life assured to pay the complete premium at once during policy purchase.

What are the Benefits of a 25 Lakh Term Insurance Plan?

When you buy a term insurance plan of Rs. 25 Lakhs, you get benefits from:

Premium payment flexibility
Affordable premiums
Tax benefits provided by the Income Tax Act
Financially secure your family members
Customizing your term plans by opting for some additional benefits

How to Choose a 25 Lakh Term Insurance Plan?

Here is a list of points to keep in mind while choosing the 25 Lakh term insurance premium plan:

Check Your Needs: You need to figure out how much coverage you need by looking at your family's debts, finances, and long-term goals.
Compare and Research: You should look for term insurance companies offering 25 Lakh term plans. You can now compare their premium rates, policy terms, and additional benefits to select the most suitable term plan.
Claim Settlement Ratio (CSR): Every year, the IRDAI makes public the CSR values for all insurers. You can compare the term insurance claim settlement ratios of different companies to find the one that is most reliable. It is suggested that you always opt for a company with a minimum of 95% CSR, as it indicates that the company is capable of settling your family’s potential claims in the future.
Available Riders: Adding available term insurance riders to the base term plan can increase the 25 lakh term insurance premium rate. This is because the available riders can be added for a comprehensive cover in exchange for nominal premiums, which are paid in addition to the base premiums.

*Policybazaar does not endorse, rate, or recommend any particular insurer or insurance product by an insurer or any other financial product.

Is ₹25 Lakh Term Insurance Enough for You?

A ₹25 lakh term insurance plan might be enough for you if you don't have a lot of financial dependents. If you're young and don't have any dependents or a lot of debt, the money can help your loved ones pay for things like funeral costs and other immediate needs.

But if you have a family, regular EMIs, or long-term goals like paying for your child's education, this amount might not be enough. When the cost of living goes up, a lower cover can quickly lose its value.

You need to compare the cover with your yearly costs, debts, and future needs to choose the right life insurance for you. If ₹25 lakh is enough to cover these costs, a 25 lakh term insurance policy might be a good fit for you. If not, you should look for a higher cover that can give your family more long-term security.

Who Should Buy Rs. 25 Lakh Term Insurance Plan?

Young Professionals who are starting their careers
Individuals with debts or financial obligations
Those looking for financial protection for their families

How To Buy the 25 Lakh Term Insurance Plans?

Here is how you can buy 25 lakh term insurance plans in India online:

Step 1: Visit Policybazaar’s website and click on the ‘Term Insurance’ Button
Step 2: Fill in your name, DOB, gender, and contact information
Step 3: Enter your occupation type, annual income, educational qualifications, and smoking habits
Step 4: Select the most suitable 25 Lakh term insurance plan and proceed to pay

Wrapping It Up!

Term insurance is a type of risk protection plan that covers a lot of ground and offers a lot of benefits. India has a lot of different term insurance plans, but each person has to choose the one that works best for them and their family. Before you buy, you should carefully look over all the papers and information.

Note: Check all the best term insurance plan in India.

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

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What is Term Life Insurance

FAQs

Q: Who is eligible to buy 25 lakh term insurance plans?

Ans: Anyone between the ages of 18 to 65 years is eligible to buy term plans in India.
Q: What are the 25 lakh term insurance premium rates?

Ans: The 25 lakh term insurance premium rates differ for different plans. Not only that, but the premium rates also depend on the customer’s age, policy term, health, lifestyle, and annual income.
Q: What if I survive the policy term?

Ans: To answer what is term insurance survival benefits, no benefit will be payable for regular term plans. However, if you have chosen the term return of premium plans, the entire premiums paid throughout the policy tenure will be returned to the policyholder.
Q: How can I buy 25 lakh term insurance plans?

Ans: You can go to Policybazaar’s official website and follow the below-mentioned steps to buy the most suitable 25 lakh term insurance plan.
Step 1: Visit Policybazaar’s official website and click on “Term Insurance” option
Step 2: Enter your name, gender, contact number, and date of birth
Step 3: Fill in your smoking habits, educational qualifications, annual income, and occupation type
Step 4: Select the most suitable 25 lakh term insurance and proceed to pay
Q: Why Buy a 25 Lakh Term Insurance Plan?

Ans: The ideal term life insurance for your family should be at least 10 to 15 times your current annual income. This ensures the financial stability of your loved ones in your absence by taking care of their monthly expenses, child’s fees, remaining loans, and increasing inflation.

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˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

Rs. 400/month 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 30 years of age, rounded off to nearest 10.

Rs. 400/month (Rs.13/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 30 years of age.

+Rs. 230 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 12/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 497/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 487/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 626/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 905/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,267/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.

+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs.679/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 910/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,924month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

Women

+Rs. 400/month is Starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.

1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 years of age.

Prices offered by the insurer are as per the 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

Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.

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