IndiaFirst Life Online Term Plan

The IndiaFirst Life Online Term Plan is a non-linked, non-participating term plan that guarantees financial stability even in unfortunate circumstances. It is a pure protection plan that a customer may purchase for the well-being of the family. The individual may be a victim of accidental death or disability. This plan can be directly bought online and has 8 coverage options for the customers.

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Eligibility Criteria of IndiaFirst Life Online Term Plan

The table below shows the eligibility criteria of IndiaFirst Life Online Term Plan:





Policy Tenure

5 years

40 years

Premium Paying Term

Single (lump sum)

Regular (monthly, quarterly, annual, or semi-annual)

Sum Assured

Rs 10 lakh

Rs 50 crore

Premium Payment Frequency

Single – One Time payment as a lump sum amount

Regular – Monthly, Quarterly, Annually, or Semi-Annually

Features of IndiaFirst Life Online Term Plan

Let us take a brief understanding of the features offered under the IndiaFirst Life Online Term Plan:

  • It ensures financial protection at a cost-effective price and is easily available for anyone.  
  • The 8 varied coverage options guarantee flexibility to design a plan as per the requirement of the customer.
  • The plan also provides the option to increase the sum assured value in tandem with various life events.
  • The policy return option allows the customer to return the policy if he is not satisfied with its returns. This should be done within 30 days of the purchase of the policy.

Benefits of IndiaFirst Life Online Term Plan

Next, let us take a brief understanding of the benefits of IndiaFirst Life Online Term Plan:

  1. Coverage Options

    The following are the coverage options:

    • Life Benefit Option
    • Disability Shield Option
    • Accidental Shield Benefit Option
    • Income Benefit Option
    • Income Plus Benefit Option
    • Income Replacement Benefit Option
    • Critical Illness Protector Option
    • Comprehensive Benefit Option
  2. Protection from Inflation

    The policyholder is protected from rising inflation every year as they can enhance their coverage by 5% at the end of each financial year. This provides them with the means to combat the effects of inflation and ensures financial stability even in economically troubling situations.

  3. Critical Illness Cover

    This guarantees the policyholder of IndiaFirst Life Online Term Plan a single time, lump sum amount if he is diagnosed with a critical disease. It should, however, be a confirmatory diagnosis.

  4. Accidental Shield Benefit

    The Accidental Shield Benefit Option ensures that an additional amount is made payable to the policyholder in case of death because of an accident. This amount is exclusive of the sum assured that the beneficiaries will receive.

  5. Disability Shield Benefit

    Similarly, the Disability Shield Benefit ensures that an additional amount is made payable to the policyholder in case of disability. The disability can be due to an accident and so forth.

  6. Critical Illness Protector Benefit

    The policyholders of IndiaFirst Life Online Term Plan may avail of long-term benefits by choosing this option. It ensures monthly instalments to meet the costs of medication and treatment of degenerative diseases like Multiple Sclerosis.

  7. COVID-19 Death Coverage

    This option guarantees coverage against untimely death due to the viral infection COVID-19. 

  8. Tax Benefits

    The plan also offers tax benefits as per the current governmental regulations.

    Note: Tax benefit is subject to changes in tax laws. Standard T&C apply.

Documents Required to Buy IndiaFirst Life Online Term Plan Online

Listed below are the documents required to purchase IndiaFirst Life Online Term Plan:

  • Proof of income of the customer (Salary slips, IT returns, bank statements, etc.)
  • Proof of address of the customer (Passport, voter ID card, Aadhaar card)
  • Proof of the ID of the customer (PAN Card, Passport, Aadhaar Card)
  • Proof of age of the customer (PAN Card, Passport, Driver license)
  • Passport size photographs

How to Buy IndiaFirst Life Online Term Plan Online?

The customer will need to undertake the following steps to buy IndiaFirst Life Online Term Plan Online:

  • Visit the website of IndiaFirst Life Insurance.
  • Click on ‘Online Plans’ and select ‘Online Term Plan’.
  • Input the details requested like date of birth, gender, smoking habits, etc.
  • Click on ‘Get Quick Quote’.
  • Opt for the benefits to be added to the plan like, Life Benefit Option, Income Benefit Option, etc.
  • Make the payment via credit or debit card and complete the process.

Exclusion Under IndiaFirst Life Online Term Plan

The exclusion for the IndiaFirst Life Online Term Plan is mentioned below:

  1. Suicide

    If a policyholder commits suicide within 12 months of the beginning of the policy, he will be automatically excluded from the policy.

  2. Disability

    If the disability is caused due to unnatural events, such as alcohol abuse, indulging in dangerous sports that might be life-threatening, self-injury, etc., the policyholder will be excluded from the policy.

  3. Fatal Illness

    If the terminal illness is proved to be caused by circumstances such as drug abuse, self-injury, congenital abnormalities, etc., the policyholder will be excluded.


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