Term Plans
Term Life Insurance in Andaman and Nicobar
The Andaman and Nicobar Islands are largely known for their great biodiversity, crystal clear water, countless aquatic activities and its expansive marine life. These islands offer a perfect vacation spot for people from all over the world. These islands are a paradise for nature lovers and adventure enthusiasts, with their pristine landscapes and vibrant ecosystems.
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The beautiful islands still face challenges everyday that make mortality vulnerable. Its geographical location makes it secluded and vulnerable to natural disasters. Highly active seismic activities in the region make it ever more prone to disasters. Therefore the people of the Andaman and Nicobar Islands should think about securing the futures of their loved ones in their absence. Term insurance can provide a relief from this insecurity for the future and push you to live tension free now.
Need For Term Insurance Based On Statistics Of Andaman and Nicobar Islands
Here are some facts and statistics about Andaman and Nicobar Islands that you must know to buy term plan:
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Sex ratio: The sex ratio stands at 876 females for every 1000 males for the islands, as per the data.
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Life expectancy: As per the data by NFHS-5 IN 2019-21, the life expectancy in Andaman and Nicobar Islands is 67.1 years overall with 62.1 years for males and 84.3 years for females.
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Population: The population of Andaman and Nicobar Islands stands at 3,80,581 as per 2011 census making the population density to be 46 people per sq. km.
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Road accidents: 675 road accidents took place over a period of 5 years from 2020-2024.
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Cancer index: The cancer cases have increased from 366 in 2020 to 393 in 2022 with mortality of 200 in 2020 and 214 in 2022.
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Term Life Insurance Quotes in Andaman and Nicobar Islands 2026
Annually, the rate of challenges has been increasing in the islands rapidly. Some of them result due to their topographical location, hence cannot be halted but other challenges are due to its rising tourism and the infrastructural development done in order to cater to their needs. Cyclones and tsunamis cause major damage to life and property. People of Andaman and Nicobar face atrocities due to such challenges on a regular basis.
Term insurance in Andaman and Nicobar Islands can be purchased online via Policybazaar using their official website and application. You can easily compare different policies from different insurers using Policybazaar’s comparison calculator that helps you to choose the best for your family. Given below is a list of all the best term life insurance policies for people in Andaman and Nicobar Islands :
| Life Insurance Company | Term Insurance Plan | Claim Settled Amount (cr) | Entry Age | Sum Assured | Additional Benefits |
| Aditya Birla Sun Life Insurance Company Limited | ABSLI Salaried Term Plan | 458 | 21 to 55 years | Rs. 50 Lakhs to Rs. 5 Crores | Exclusively designed for salaried individuals Accelerated Critical Illness Tax Benefits |
| Aviva Life Insurance Company India Limited | Aviva Signature 3D Term Plan | 98 | 18 to 65 years | Rs. 5 Lakhs to no limit | Financial protection for family Enhance cover with riders Tax benefits |
| Axis Max Life Insurance Company Limited | Axis Max Life Smart Secure Plus | 1,242 | 18 to 60 years | Rs. 25 Lakhs to Rs. 1 Crore | Terminal Illness Accelerated Critical Illness Benefit Special Exit Value Joint Life option |
| Bajaj Life Insurance Company Limited | Bajaj eTouch | 603 | 18 to 55 years | Rs. 50 Lakhs to Rs. 10 Crores | Terminal Illness Waiver of Premium Early exit benefit |
| Bandhan Life Insurance Company Limited | Bandhan Life iTerm Prime | 86 | 18 to 65 years | Rs. 25 Lakhs to Rs. 20 Crores | Special Exit Value AD Rider CI Care Rider |
| Bharti AXA Life Insurance Company Limited | Flexi Term Pro | 148 | 18 to 65 years | Rs. 25 Lakhs to no limit | Choose from 2 cover options Get single or joint cover Life stage benefits |
| Canara HSBC Life Insurance Company Limited | Canara HSBC Promise2Secure | 186 | 18 - 60 years | Rs. 25 Lakhs to No Limit | Block Your Premium Special Exit Value Child Care Benefit |
| Edelweiss Life Insurance Company Limited | Edelweiss Life Zindagi Plus | 59 | 18 to 65 years | Rs. 25 Lakhs - no limit | Option to cover spouse as well Increase cover yearly Post-hospitalisation benefits offered |
| Generali India Life Insurance Company Limited | Generali Central Care Plus Plan | 33 | 18 to 60 years | Rs. 50 Lakhs to no limit | Financial protection for family Tax benefits Enhance cover with riders |
| HDFC Life Insurance Company Limited | HDFC Click 2 Protect Super | 1,389 | 18 to 65 years | Rs. 50 Lakhs to Rs. 20 Crores | Terminal illness Benefit Waiver of Premium on Critical Illness and Total and Permanent Disability Return of Premium option |
| ICICI Prudential Life Insurance Company Limited | ICICI iProtect Smart | 1,950 | 18 to 65 years | Rs. 50 Lakhs to Rs. 20 Crores | Terminal Illness benefit Waiver of Premium Life stage benefit |
| IndiaFirst Life Insurance Company Limited | IndiaFirst Life Elite Term Plan | 160 | 18 to 60 years | Rs. 1 Lakh to Rs. 5 Crore | Long term cover Financial protection for family Flexible premium payments |
| Kotak Mahindra Life Insurance Company Limited | Kotak Life e Term | 321 | 18 to 65 years | Rs. 50 Lakhs to Rs. 10 Crores | Smart Exit Benefit Wellness Benefit |
| Life Insurance Corporation of India | LIC New Tech Term Plan | 18,398 | 18 to 65 years | Rs. 50 Lakhs to no limit | Choose from 2 sum assured Enhance cover with riders Pay premiums as per convenience |
| PNB MetLife India Insurance Company Limited | PNB MetLife Mera Term Plan Plus | 407 | 18 to 50 years | Rs. 50 Lakhs to Rs. 10 Crores | Life stage benefit Terminal Illness Accelerated Critical Illness Waiver of premiums on ATPD or CI |
| Pramerica Life Insurance Company Limited | Pramerica Life Rock Solid Plan | 30 | 18 to 65 years | Rs. 50 Lakhs to no limit | Smart Exit benefit Option to choose increasing cover Cover spouse in the same plan |
| SBI Life Insurance Company Limited | SBI eShield Next Plan | 1,676 | 18 to 65 years | Rs. 50 Lakhs to Rs. 10 Crores | Terminal Illness Flexible Death Benefit Payment Modes Better Half Benefit |
| Shriram Life Insurance Company Limited | Shriram Life Smart Protection Plan | 109 | 18 to 65 years | Rs. 30,000 to Rs. 14 Lakhs | Choose from 3 plan options Get inbuilt accidental cover Affordable premiums |
| Star Union DAI-ICHI Life Insurance Company Limited | SUD Life Protect Shield Plus | 113 | 18 to 60 years | Rs. 1 Crore to 2 Crore | Change premium pay frequency Choose convenient mode of payment Tax benefits |
| Tata AIA Life Insurance Company Limited | Tata AIA SRS Vitality Protect | 776 | 18 to 60 years | Rs. 50 Lakhs to Rs. 2 Crores | Early payout on Terminal illness Accidental Death Accidental Total & Permanent Disability |
*Disclaimer: The list of insurers mentioned are arranged according to the alphabetical order of the name of insurance company respectively. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
* You can use a term insurance calculator to check the premiums applicable to your profile
How can you contact Policybazaar to buy term insurance in the Andaman and Nicobar Islands?
Policybazaar is just a few clicks away! You can contact Policybazaar using:
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Claim Assistance Helpline Number i.e. 1800-258-5881 to talk to Policybazaar’s Insurance advisor
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Policybazaar’s official website and log in to “My Account” to access plans and more information.
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Download Policybazaar’s official application for any queries or doubts.
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Why Should You Buy Term Insurance In Andaman and Nicobar Islands?
There are multiple reasons why people in Andaman and Nicobar must consider purchasing a life insurance. And here are some facts that will highlight the intense need to do so at the earliest:
Geographical Location: The topographical location is prone to active seismic activities that make the islands defenceless against natural calamities like earthquakes, cyclones, tsunamis and strong hazardous winds. Growing infrastructure isn't helping the situation either. Hence, if the policyholder dies in such an unfortunate event, the family receives a death benefit for their children's education and other future expenses.
Rising Health Risks: Cancer cases in the islands have climbed from 366 in 2020 to 393 in 2022, with mortality rising from 200 to 214 over the same period. This upward trend, combined with the region's limited access to specialised treatment, means residents face a growing health risk that has little to do with the islands' natural disasters. A term insurance death benefit ensures that if the policyholder succumbs to a critical illness, their family isn't left financially exposed on top of an already difficult loss.
Water and Transport-Related Risks: With ferries and boats serving as a primary mode of transport between the islands, residents are regularly exposed to water-related accidents, a risk that's compounded by unpredictable weather and rough seas. In case of an unfortunate accident that claims the life of the family's primary breadwinner, a term insurance payout provides the financial cushion needed to manage day-to-day expenses and stay on track with long-term goals, without added financial strain during an already difficult time.
FAQs
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Q: Which company is the best for term insurance in Andaman and Nicobar Islands?
Ans: All companies that provide term insurance policies in Andaman and Nicobar Islands are different and what they offer is also different. You must choose one depending upon their settlement ratios and their availability and feasibility in your particular area. When choosing a term plan, you can use Policybazaar's online comparison calculator to find the one that best suits your needs. -
Q: What is the cost of term insurance in Andaman and Nicobar Islands?
Ans: A term premium for younger, healthier and less risky circumstances will always be lower than people who will be older, unhealthy and more prone to risk factors - for the same coverage. So the earlier you buy, the lower the premium will be -
Q: If I take term insurance in Andaman, will it be valid outside India?
Ans: A term insurance policy purchased in India, including Andaman, remains fully valid even if you live or travel outside the country.
Term Insurers
Aditya Birla Sun Life Term Insurance Plans
Aviva Term Insurance Plans
Bajaj Term Insurance Plans
Bandhan Life Term Insurance Plans
Canara HSBC Term Insurance Plans
Edelweiss Term Insurance Plans
Exide Life Term Insurance Plans
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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. 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 complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
˜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
+On the basis of your profile
+Rs. 410/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. 410/month (Rs.14/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 rounded off to nearest 10
+Rs. 245 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.
+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. 15/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. 504/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. 494/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. 636/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. 918/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. 1,286/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.
+Rs. 453/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.582/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. 786/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. 1,592/month 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.
+Rs. 525/month is the starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 68 years of age.
+Rs. 668/month is starting price for a 2 crore term life insurance for an 25 year-old male, non-smoker, with no pre-existing diseases, cover upto 45 years of age.
+Rs. 1,200/month is starting price for a 2 crore term life insurance for an 35 year-old male, non-smoker, with no pre-existing diseases, cover upto 55 years of age.
+Rs. 410/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.
+Rs. 577/month is starting price for a 1 crore term life insurance for an 18 year-old Male, self employed, 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. ₹361/month is the starting price for a ₹1 crore loan cover with an 8% interest rate for an 18-year-old male, non-smoker, with no pre-existing diseases, loan tenure up to 20 years, rounded off to the nearest 10
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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