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100 Year Term Plan 

A 100-year term plan is a type of life insurance plan that provides financial coverage for a period of 100 years. This plan is designed to provide coverage for the entire lifetime of the life assured.

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Note: Know more about what is term insurance first before reading this article.

This plan provides long-term financial security for the life assured and their beneficiaries. In the event of the life assured's death, the policy will pay out a death benefit to the nominees. This benefit is used to cover a number of expenses, such as funeral costs, outstanding debts, and living expenses. Also, it includes a savings component, which allows the policyholder to accumulate cash value over time. This cash value can be used to supplement retirement income or to cover unexpected expenses.

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Best Plans in India for 100 Year Term Insurance Plans 2024

Insurer Plan Entry Age Maturity Age Claim Settled Maximum Sum Assured
ICICI Prudential Life Insurance  iProtect Smart All in One 18 years 75 years 97.82% No Limit
Edelweiss Tokio Life Insurance Total Protect Plus 18 years 100 years 98.09% No Limit
TATA AIA Life Insurance  Sampoorna Raksha Instaprotect 18 years 75 years 98.53% 70 Lakhs
Canara HSBC OBC Life Insurance  iSelect Smart360 18 years 99 years 98.44% No Limit *Sum Assured for ADB or Terminal Illness: Rs. 2 Crore
Bharti AXA Life Insurance Flexi Term Pro 18 years 99 years 99.09% No Limit

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Benefits of Long Life Term Plan

If you are the sole bread earner for your family and want to ensure that they will have financial security after your death, you should think about purchasing a long-term term insurance plan, which is a term plan up to 100 years. Below are some more benefits of purchasing a long life term plan:

  • Whole Life Cover: You are covered by the policy for 99 years, and as a result, you are offered long-term protection for your family. Even in old age, you may have financial responsibilities, and a whole life cover will aid to these responsibilities. 

  • Tax Benefits: The maturity amount is not taxable under Section 10(10)(D), and the insurance premiums paid are eligible for deductions, up to Rs. 1.5 lakh, under Section 80C.

  • Level Premium: Your premiums stay the same during the policy's term, giving you the advantage of a cost that won't increase over time. Also, you know exactly how much the premium will be, so you can manage your expenditures accordingly.

How To Buy the Best 100 Year Term Plan? 

  • Policy Duration: While purchasing term or life insurance, it is necessary to take into account the length of the policy's coverage period as it results in better savings. The policy term varies depending on the insurance company. Therefore, you must be sure to select a time span that is appropriate for your financial situation, age, and future financial goals. 

  • Compare Term Insurance Policy Premiums: While choosing term insurance for the long term (in this case, for long life), compare policy premiums and select the one that best meets the demands of your dependents for the future. Policybazaar gives a comparison of the top 15+ insurance companies offering great insurance plans, so that you can choose the best policy.

  • Consider Income, Health Condition and Age: The most important criteria that you need to be sure of is your ability to pay-off the policy premium in the next 50, 60 or 70 years with a static or increasing income source and good health condition. Hence, you should consider your age and any health conditions before choosing a long life term insurance plan, as well as whether or not your annual income would be sufficient to allow you to keep up with the policy.

  • Get Financial Advice: Before paying for the long life term insurance plan, you must carefully examine all the conditions and regulations. Additionally, you may turn to Policybazaar for the best term insurance plan comparison, or you can ask the experts to take you through the available plans, premium rates, and terms and help you choose the one that meets your needs.

To Sum It Up!

If you want to be insured for the rest of your life, a life insurance plan for 100 years is a suitable option. Once the policy is in effect, the insurance provider gives your dependents a guaranteed death benefit regardless of when you pass away. Therefore, make an informed decision as your family could be dependent on your financial decisions for their sustenance.


  • Is it safe to buy a life long term insurance plan online?

    Ans: Yes, using secure payment options like UPI, a debit or credit card, or net banking, you may buy any term plan online. You won't need to worry if you choose a reputable insurance company. You can also get in touch with the insurance company's support team if you face any problems.
  • Are life long term insurance plans beneficial?

    Ans: Yes, life long term insurance plans are beneficial if you want long term security for your loved ones. However, you must keep in mind all the regulations before choosing the best plan.
  • How to calculate the term insurance premium online?

    Ans: You can easily calculate the term insurance premium online by using the term insurance calculator online tool
  • What are the benefits of term life insurance?

    Ans: Here are 4 common term insurance benefits:
    • Low premium rates
    • Tax Benefits
    • Death Benefit
    • Long term coverage

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