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Future Generali Express Term Insurance Plan

Future Generali Express Term Insurance plan is a non-linked, non-participating life insurance plan. Since the casualties and misfortunes seldom come announced, one needs to prepare beforehand for the safety and security of their loved ones.

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From various security privileges and options at one's disposal, choosing the best tailored to specific criteria is in itself a challenge, unquestionable. Therefore, this comprehensive scheme assures one of the most economical ways to enjoy each moment without worries. Future Generali express term insurance offers various types, benefits, ideals, and criteria per specific needs.

Let us look through some of the essential features of this plan.

Eligibility Criteria of Future Generali Express Term Insurance Plan

The following are the eligibility criteria of the policy.

Eligibility Criteria


Policy term

5/10/15/20/25/30, as per plan option

Entry Age

18-65 years

Maturity Age

23-80/85 years, as per plan option

Premium Payment Term

5/10/15 years

Premium Payment Mode

Yearly, Half-yearly, Quarterly, Monthly


Sum Assured

Min: Rs. 25 lakhs

Maximum: No Limit; as per Board Underwriting norms

Accidental Death Sum Assured

Minimum: Rs. 5 lakhs

Maximum: Sum Assured; subject to underwriting

Critical Illness (CI) Sum Assured

Minimum: Rs. 5 lakhs

Maximum: 50% of Sum Assured or Rs 1 crore, whichever is lower


Reasons to Buy Future Generali Express Term Insurance

Here is the reason why one should consider buying Future Generali Express Term Insurance.

1. It offers long term protection at affordable rates

2. Customized plans suitable to individual demands

3. Flexibility in terms of policy and premium rates

Four options to choose from:

  • Option 1- Life cover
  • Option 2- Extra life cover
  • Option 3- Life plus Health cover
  • Option 4- All in one cover

Plan Options Offered by Future Generali Express Term Insurance

Let’s take a look at the plan options offered by Future Generali Express Term Insurance.

Option 1: Life cover-

There is a pure term plan with included Term Illness and Accidental Total and Permanent Disability benefit.

In this option, the policyholder, or his nominee or the beneficiary(as applicable), gets a Death Benefit equal to Death Sum Assured. The Insurer pays it as a lump sum amount on either of:

  • Death
  • Diagnosis of Terminal Illness

- On the diagnosis of Accidental Total and Permanent Disability, the future premiums are waived off. The Policy shall remain in continuity till the end of the policy term for other insured events.

-  The Policy shall be liable to termination on the death or diagnosis of terminal illness of Life insured.

Option 2- Extra Life Cover (With Death Benefit)

- This plan provides life cover in Option 2 and provides an additional amount equal to the Accidental Sum assured shall be payable on death.

- The Policy shall terminate on the death or Terminal Illness of life assured.

Option 3- Life Plus Health Cover

**Option available only under Regular Pay

Same as Option 1

- No benefit shall be payable on diagnosis of any subsequent critical illness. Critical illness claim payment shall be limited to the amount of 5 lacs or 10 lacs. The remaining shall be payable after further diagnosis.

- The Policy shall continue on payment of critical illness benefit shall be payable once the critical illness sum assured has been paid.

- The Policy will be due to termination on death or diagnosis of a terminal illness.

Option 4- All In One Cover

** Option available only under regular pay

- Same as Option 3 plus additional amount with equal commensurate to Accidental death Sum Assured shall be payable on death, in case of death due to accident.

-  The Policy will automatically terminate on death or diagnosis of a terminal illness.

Benefits Offered by Future Generali Express Term Insurance

Death Benefit-

The Death Sum Assured shall be highest of-

- 10 times Annualised Premium (excluding taxes or underwriting premiums)

- 105% of total premiums paid till the date of death

- Absolute amount of death as sum assured.

Tax Benefit-

The premiums paid may be eligible for tax benefit available under the provisions of Section 80(C), 80D of Income Tax Act, 1961. According to the prescribed conditions under the act, the policy benefit proceeds are tax exempted under the provisions of Section 10 (10D) of the IT Act.

**Tax benefits may be subject to change from time to time.

Premium Illustration

The premium will depend upon the option available thereby and have to be chosen at the inception of the plan with not much scope in amendments thereafter.

Customers have the flexibility to select their own premium term and premium payment term.

The plan provides lower premium payment terms for women

Minimum premium: Monthly mode: Rs 500

                                    : Quarterly mode: Rs 1000

                                    : Half-yearly: Rs 1000

                                    : Yearly: Rs.2000

Maximum Premium- No limit

** Premiums mentioned above are excluding taxes.

Documents Required to Buy Future Generali Express Term Insurance

The documents that have to be included in the plan are;

  • Proposal form
  • Identity proof
  • Date of Birth proof
  • address proof
  • Recent photograph
  • Bank Account details.

Process to Buy Future Generali Express Term Insurance Plan online

The insurance buyers will need to follow these simple steps to purchase Future Generali express Term Insurance Plan.

  • One can go to the Insurer's portal to help with the Policy.
  • Click the Buy online option and enter basic personal details.
  • Policyholders can enter all financial parameters on the next page as reflected.
  • Detailed personal information is to be entered to complete the form.
  • Upload the requisite documents and make the payment online after opting for the suitable plan.

Policy Details

  • Free Look period-If the Policy doesn't suit the requirement of the policyholder, then they have the free will to return the plan within 15 days of the receipt of the document for cancellation with the reason for objection.  Future Generali Express Term Insurance plan will deduct the proportionate risk premium for a period of cover, stamp charges, cost of medical examination, etc.
  • Grace can enjoy the privilege of getting 30 days of grace period for yearly, half-yearly, Quarterly, premium payment Frequency, and 15 days for monthly, from the due date to pay the missed premiums. During this period, you will be covered and entitled to receive all benefits subject to deduction of due premiums.


 Suicide Exclusion

If the policyholders directly or indirectly through some casualty or circumstances by suicide within 12 months of the inception of Policy, the nominee shall be entitled to 80% of premiums paid, OR

  • If the policyholder dies by suicide within a year from the date of revival of the Policy, the nominee will be entitled to an amount that is higher of 80% of premiums paid till the date of death.

*For more information about exclusions, please refer to the plan brochure or the policy document.


Disclaimer: Policybazaar does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer.

*All savings are provided by the Insurer as per the IRDAI approved insurance plan. Standard T&C apply.

“Tax benefit is subject to changes in tax laws. Standard T&C apply.”

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