Prices Increasing soon Prices Increasing Soon

25-year Term Life Insurance Policy in India 2024

A 25-year term life insurance provides coverage to the policyholder and his/her family for a limited term of 25 years. During this term, in case of the policyholder's unfortunate death, the insurer will payout the death benefit to the nominee of the policy.  These plans can help you live a stress-free life knowing that your family will be taken care of in your absence. 

Read more
Gets ₹1 Cr. Life Cover at just
COVID-19 Covered
The Policybazaar Advantage
Dedicated claim support for family FREE
Upto 15% discount# for buying online
Only certified experts will call you on 100% recorded lines
We are rated++
rating
9.7 Crore
Registered Consumer
51
Insurance Partners
4.9 Crore
Policies Sold

#All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply

By clicking on "View plans" you agree to our Privacy Policy and Terms of use

++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

Life is Unpredictable! Protect your family’s future
Get ₹1 Crore Life cover starting from /month+
+91
Secure
We don’t spam
Check Your Premium Now
Please wait. We Are Processing..
Get Updates on WhatsApp
The Policybazaar Advantage
Policybazaar Advantage Icon
Dedicated claim support for family FREE
Policybazaar team will help and support you at the time of claim. A personal claim handler from our team of experts will get in touch with you when your nominee applies for a claim on our website.
Policybazaar Advantage Icon
100% calls recorded to ensure no mis-selling
We will make sure you get what is promised by the advisors. We conduct regular monitoring of our calls to make sure you get the best experience.
Policybazaar Advantage Icon
Exclusive lifetime discount upto 5% for buying online
The discounts will be valid for the entire policy payment term and is not available if you choose to buy the insurance through offline agents.
Policybazaar Advantage Icon
Advisors available in your city
Our advisors are available in more than 55 cities across India and can help you at your doorstep in understanding the plans and in documentation.
Policybazaar Advantage Icon
Refund at the click of a button
In case you aren’t happy with your purchase, you can cancel your policy hassle-free at the click of a button. We will help you with the cancellation and refund of your policy.

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

What is a 25-year Term Life Insurance Policy in India?

A 25-year term life insurance policy in India provides financial protection to the policyholder’s family for a policy tenure of 25 years. In case of the policyholder’s unfortunate death during this term, the insurance company will pay the sum assured at death to the nominee of the policy. If the policyholder outlives the policy tenure, the term insurance plan will automatically expire and the policyholder will no longer be covered under the plan’s benefits. Hence if you want to continue being covered under the plan, you will have to either buy a new term plan or extend the policy tenure of your existing renewable/convertible term plan. 25-year term insurance plans usually have a lower premium rate due to their short policy tenure and people often buy these plans to secure their future until their dependants are financially independent.

Benefits of a 25-year Term Insurance Plan in India 2024

Let us take a look at some of the term insurance benefits of 25-year plan in 2024

  • Large Sum Assured: You can secure your family with a large life cover up to Rs. 20 Crore. This payout can help your family pay their bills and child’s fees.

  • Long Life Cover: With a 25-year term insurance plan you can secure your loved ones for the 25-year policy tenure, but in case you want to continue the coverage under the same plan, you can extend the policy term in a convertible or renewable term plan.

  • 100% Refund of Premium at No Cost Term Plan: You can opt for the 100% refund of premium at no cost term insurance plan and exit the plan early to receive all the premiums paid up until that point at no extra cost. These plans are a great option for those who are uncertain about their retirement age.

  • Enhanced Cover: You can enhance your 25-year term life insurance coverage by including any of the available riders in the term plan of your choice. You should always go through the list of available riders within each plan to see their inclusions and exclusions and select the one with the most comprehensive coverage.

  • Tax Benefits: You can avail of tax benefits under sections 80C and 10(10D) of the Income Tax Act of 1961.

  • Flexible Premium Payment: As per the policy details of the term plan of your choice, you can pay the premiums at your convenience. You can pay the premiums in a single premium or regular premium for the whole or limited policy tenure on a monthly, quarterly, half-yearly, or yearly basis.

  • Multiple Payout Options: Various term plans in India offer the choice to select the payout option of the benefit amount. You can choose for the benefit to be paid in a lump sum, monthly/regular income, or a combination of both i.e., a part of the amount is paid in a lump sum and the rest is paid in monthly installments.

  • Ease of Purchase: You can buy a 25-year term insurance plan in India 2024 from the comfort of your home online in just a few minutes. Not just that, but you can also search and compare available plans in India to find the most suitable term plan for yourself.

Note: You can easily calculate the term plan premium by using the term insurance calculator online tool.

one crore term plan
plus

Term Plans

₹1
Crore

Life Cover

@ Starting from ₹ 16/day+

₹50
LAKH

Life Cover

@ Starting from ₹ 8/day+

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day+

Features of a 25-year Term Insurance Policy in India

Here is a list of some important features of a 25-year term life insurance policy in 2024.

  • These plans provide financial protection coverage for the limited 25-year policy tenure.

  • The premium rates for these plans are lower than a regular term plan with a longer policy tenure.

  • These plans typically cannot be renewed unless the term plan is a convertible or renewable term plan, in which case the policy term can be extended.

  • During this term, if the policyholder suffers an unfortunate death, the nominee will receive the sum assured payable on death to take care of their financial obligations.

  • You can pay the premiums for these plans on a monthly, quarterly, semi-annually, or yearly basis for the regular or limited premium payment term.

  • You can customize the coverage of these plans by adding critical illness, waiver of premium, accidental death benefit, accidental total permanent disability, and hospicare benefit riders to the base plan.

  • You can avail of tax benefits as per the prevailing tax laws under these plans.

What is the 25-year Term Life Insurance Policy in India 2024?

Listed below are the 25-year term life insurance plans in India for the year 2024:

Eligibility Criteria for the 25-year Term Insurance Plans in 2024

Let us take a look at the eligibility conditions you need to satisfy to purchase a 25-year term insurance in India

Name of the Insurer 25-year Term Life Insurance Policy in India 2024 Claim Settled Amount (cr) Entry Age Maximum Maturity Age
Aditya Birla Sun Life Insurance Company Limited ABSLI Income Suraksha Plan 458 21-55 years 70 years
Aviva Life Insurance Company India Limited Aviva Signature 3D Term Plan 98 18-65 years 80 years
Bandhan Life Insurance Limited Bandhan Life iTerm Prime 86 18-65 years 70 years
Bajaj Allianz Life Insurance Company Limited Bajaj Allianz eTouch 603 18-55 years 99 years
Bharti Axa Life Insurance Company Limited Flexi Term Pro 148 18-65 years 99 years
Canara HSBC Life Insurance Company Limited Canara Young Term Plan 186 18-45 years 99 years
Edelweiss Life Insurance Company Limited Edelweiss Life Zindagi Plus 59 18-65 years 80 years
Future Generali India Life Insurance Company Limited Future Generali India Term Insurance Plan 33 18-60 years 65 years
HDFC Life Insurance Company Limited HDFC Click 2 Protect Super 1,389 18-65 years 85 years
ICICI Prudential Life Insurance Company Limited ICICI iProtect Smart 1,950 18-65 years 99 years
IndiaFirst Life Insurance Company Limited IndiaFirst Life Elite Term Plan 160 18-60 years 99 years
Kotak Mahindra Life Insurance Company Limited Kotak e Term 321 18-65 years 85 years
Life Insurance Corporation of India LIC New Tech Term Plan 18,398 18-65 years 80 years
Axis Max Life Insurance Company Limited Max Life Smart Total Elite Protection 1,242 18-65 years 85 years
PNB MetLife India Insurance Company Limited PNB MetLife Mera Term Plan Plus 407 18-50 years 80 years
Pramerica Life Insurance Company Limited Pramerica Life Rock Solid Plan 30 18-65 years 85 years
SBI Life Insurance Company Limited SBI eShield Next Plan 1,676 18-65 years 100 years
Shriram Life Insurance Company Limited Shriram Life Smart Protection Plan 109 18-65 years 75 years
Star Union DAI-ICHI Life Insurance Company Limited SUD Life Protect Shield Plus 113 18-60 years 80 years
Tata AIA Life Insurance Company Limited Tata AIA Sampoorna Raksha Promise 776 18-65 years 100 years

*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

one crore term plan

Secure Your Family Future Today

₹1 CRORE

Term Plan Starting @

Get an online discount of upto 15%#

Compare 40+ plans from 15 Insurers

+Standard T&C Applied

Features and Benefits of the 25-year Term Life Insurance Policy in India 2024

Here is the detailed list of benefits and features of the 25-year term insurance policy in India:

  1. ICICI Pru iProtect Smart

    • The plan provides enhanced cover against death, terminal illness, and disability

    • You can increase the base coverage of the term plan by including accidental death benefits and accelerated critical illness benefit riders

    • The plan offers special premium rates for female and non-smoking customers

    • You can choose for the payout to be paid in a lump sum, monthly income for 10 years, or a combination of both

    • You can select to pay the premiums for the whole, limited, or single premium payment term

  2. HDFC Life Click 2 Protect Super

    • This term plan offers 3 plan options: Life, Life Plus, and Life Goal

    • In case of accidental death during the policy term, an additional amount will be payable

    • The waiver of premium rider provides coverage against critical illness and disability during the policy tenure

    • You can choose for the death benefits to be paid in installments 

    • The plan allows you to increase the sum assured by 200% with its life goal option

  3. Max Life Smart Secure Plus

    • The plan offers 4 additional optional benefits you can choose from: accelerated critical illness benefit, accident cover, joint life, premium break, and voluntary sum assured top up

    • The plan provides two life cover options: life cover and increasing life cover

    • You can receive all the premiums paid at the end of the policy term with the term return of the premium variant of the plan

    • You can exit the plan at a specific point and receive all the premiums paid with the special exit options of the plan

    • Under this plan, you can cover your spouse with its joint plan cover option

  4. Tata AIA SRS Vitality Protect

    • You can select from the Term or Term return of premium option within the plan

    • Get a free health check-up within the plan every year

    • The plan offers an inbuilt wellness protection program

    • Receive a renewal premium discount and cover boosters up to 15% as per the Tata Vitality Wellness Status

    • You will be eligible to receive a 5% discount on the first year’s premiums

  5. Bajaj Allianz Life eTouch

    • You can choose from 3 plan options: Life Shield, Life Shield Plus, and Life Shield ROP

    • The plan offers extra payout in case of death due to an accident

    • The premium holiday option lets you skip premium payments for up to 3 years

    • You can exit the plan early with the early exit option of the plan and receive all the premiums paid until that point

    • You can pay the premiums for the whole, limited policy term, or till retirement

Who Should Buy the 25-year Term Life Insurance Policy in India?

Here is a list of people who can benefit from buying a 25-year term life insurance policy in 2024:

  • People who are looking for pure life protection for a period of 25 years at really affordable premium rates

  • Parents who want to secure their children’s future until they become financially independent

  • Individuals with dependent parents and in-laws can make sure that the dependants can use the payout to pay for their medical emergencies in the policyholder’s absence

  • Married people with a dependent spouse to secure their future in case of their unfortunate death

  • People who have opted food a home loan or any other debts can ensure that the family isn’t burdened with the loan repayment in case of their unfortunate demise

How to Buy the 25-year Term Life Insurance Policy in India 2024 Online?

You can buy 25-year term life insurance in India online from the comfort of your home in just a few simple steps:

  • Step 1: Go to the Term life insurance page

  • Step 2: Enter your basic information like name, gender, date of birth, and mobile number

  • Step 3: Click on ‘View Plans’ to see the available plans and fill in your occupation type, annual income, smoking habits, and educational background

  • Step 4: Select the most suitable plan and proceed to pay

Final Thoughts

A 25-year term life insurance is the option for people who want to financially secure the lives of their loved ones in case of an eventuality. These plans are available at low premium rates and provide a death benefit to the nominee of the policy in case of the policyholder’s unforeseen death. 

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.


Premium By Age

˜Top 5 plans based on annualized premium for bookings made on https://www.policybazaar.com  in the first 6 months of FY 24-25.

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 a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

+Rs. 487/month (Rs.16/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 38 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.

© Copyright 2008-2025 policybazaar.com. All Rights Reserved

+Rs. 820/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 38 years of age.

+Rs. 1,443/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 38 years of age.

Choose Term Insurance Plan as per you need

Plans starting from @ ₹473/Month*
Term Insurance
1 Crore Term Insurance
Term Insurance
2 Crore Term Insurance
Term Insurance
4 Crore Term Insurance
Term Insurance
5 Crore Term Insurance
Term Insurance
6 Crore Term Insurance
Term Insurance
7 Crore Term Insurance
Term Insurance
7.5 Crore Term Insurance
Term Insurance
8 Crore Term Insurance
Term Insurance
9 Crore Term Insurance
Term Insurance
15 Crore Term Insurance
Term Insurance
20 Crore Term Insurance
Term Insurance
25 Crore Term Insurance
Term Insurance
30 Crore Term Insurance
Term Insurance
15 Lakh Term Insurance
Term Insurance
60 Lakh Term Insurance

Term Insurance Articles

  • Recent Article
  • Popular Articles
10 Feb 2025

EMI Calculator for Term Insurance with Home Loan

Buying a home is a major financial commitment, often requiring

Read more
04 Feb 2025

Term Insurance for Airline Pilots

Airline pilots have one of the most demanding and high-risk

Read more
03 Feb 2025

Term Insurance for SIP Investors

Systematic Investment Plans (SIPs) have become a popular

Read more
24 Jan 2025

HDFC Life Click 2 Protect Ultimate

The HDFC Click 2 Protect Ultimate is a term insurance plan that

Read more
23 Jan 2025

Term Insurance for Doctors

Doctors are the backbone of society, dedicating their lives to

Read more

Term Insurance Calculator Online : Get Instant...

Term Insurance Calculator  [[ What is Term Insurance Calculator? Term insurance calculator is a free online

Read more

Buy Best ₹1 Cr Term Insurance Plan Online in...

A 1 crore term insurance is a pure risk protection plan that offers a life cover of 1 Crore to your family in the

Read more

LIC Surrender Value After 10 Years Calculator

The surrender value of a LIC insurance policy is the amount that the policyholder will receive if they decide to

Read more

LIC New Bima Gold Maturity Calculator

The LIC New Bima Gold Calculator is an online tool offered by the Life Insurance Corporation of India (LIC). It

Read more

Claim Settlement Ratio of Term Insurance Plan...

Claim Settlement Ratio (CSR) is an important parameter in the selection of an insurance policy. If you are going

Read more
Need Help? Request Callback
top
View Plans
Close
Download the Policybazaar app
to manage all your insurance needs.
INSTALL