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25 Lakh Term Insurance Premiums

When it comes to securing your family’s future, having the right financial safety net is important. Term insurance, especially for 25 Lakhs, offers an effective solution at affordable premium rates. 25 Lakh term insurance plan offers a life cover of Rs. 25 Lakh. In case of an unfortunate death of the policyholder during the policy term, a death benefit will be paid to the nominee. Read on to know more about the 25 Lakh term insurance premium rates:

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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 best 25 Lakh term insurance plans in India.

one crore term plan

Term Plans


Life Cover

@ Starting from ₹ 16/day+


Life Cover

@ Starting from ₹ 8/day+


Life Cover

@ Starting from ₹ 12/day+

Best 25 Lakh Term Insurance Plans in India 2023

Here is a list of the best 25 lakh term insurance plans available in India 2023:

25 Lakh Term Insurance Plans Entry Age Maturity Age Policy Term
Max Life Smart Secure Plus 18 - 60 years 85 years 10 - 67 years
Tata AIA SRS InstaProtect 18 - 50 years 75 years 5 - 50 years
PNB MAS 18 - 50 years 80 years 10 - 40 years
Canara HSBC Young Term Plan 18 - 45 years 99 years 5 - 81 years
Kotak Life e-Term 18 - 65 years 85 years 5 - 67 years
Aegon Life iTerm Prime 18 - 65 years 70 years 5 - 52 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.

How Does a 25 Lakh Term Insurance Plan Work?

Let us understand this with an example:

If Karan purchased a 25 lakh term insurance at the age of 25 years for a policy term of 35 years, the premiums he would need to pay would start from Rs. 381 per month. He suffered an unfortunate death in the 7th policy year, and since he was the main income earner, his family was left with no income after his death. Thankfully, the family claimed the 25 lakh term insurance and was able to take care of their rent, child’s fees, and the remaining loans.

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

25 Lakh Term Insurance Premium Payment Options

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

  1. 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. 

  2. 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.

  3. Single Pay

    This option allows assured to pay the complete premium amount at once during the time of policy purchase.

one crore term plan

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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:

  • Assess Your needs: Evaluate your family’s financial requirements, considering debts, finances, and long-term goals to determine the coverage amount required.

  • Compare and Research: Look for reputable insurance companies offering 25 Lakh term plans. Compare premium rates, policy terms, and additional benefits to make an informed choice. 

  • Claim Settlement Ratio (CSR): The IRDAI releases its CSR values for all insurers for every financial year. You can compare the term insurance claim settlement ratio of insurers to find the most reliable insurance company. 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 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.

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

In The End!

Term insurance is a pure risk protection plan and is one of the best types that offers wide coverage and benefits. There are many term insurance plans available in India, but it is up to the individual what suits them and their family the best. It is important to analyse all the details and documents carefully before making any purchases.


  • 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: In case you outlive the policy term, 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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