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IndiaFirst Term Insurance For Housewives

Term insurance protection for your housewife means an extra financial benefit for you and your kids, allowing everyone to grieve for their loss in peace. IndiaFirst Life Insurance has come out with the IndiaFirst Life Plan that allows policyholders to add their non-working spouses to the cover.

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Does IndiaFirst offer term plans for housewives?

Yes, the insurer offers term insurance cover to housewives under its IndiaFirst Life Plan. This is a pure risk plan which means that if the life assured survives the policy term, no benefit shall be paid to you or your wife. However, the plan offers a lot of flexibility to the policyholder to customize different features.

Why do housewives need term insurance coverage?

The contribution of housewives to a household is so much more than just financial. While money cannot compensate for the loss of such an important person, term insurance for your spouse can provide an extra layer of protection. On the death of your wife, you can use the proceeds from the term life cover to add to your income and finance important milestones. You can use the IndiaFirst term insurance plan for housewives to fulfill such needs. 

About IndiaFirst Life Plan for Housewives

This is a term insurance plan that offers life cover to the policyholder for a maximum period of 40 years. The assured sum is paid to the nominees on the death of the life assured (the non-working spouse in this case) within the coverage period. 

Things to consider before buying IndiaFirst Life Plan for housewives

  • The coverage amount is fixed at Rs. 10 Lakhs. 

  • The husband should have a life cover of at least Rs. 25 Lakhs to buy this policy for his spouse. 

  • Premiums can be paid regularly on a monthly, half-yearly, or yearly basis. You can also choose to pay the premium amount as a lump sum. 

  • A physical medical examination is not compulsory.

  • Should you choose to cancel the policy, you can do it within 30 days of policy issuance to get a full refund.

  • Loan benefit is not applicable under this plan. 

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Eligibility Criteria 

Criteria Minimum Maximum
For the Housewife
Maturity Age  NA 70 years
Policy Term 5 years  38 years
Education Qualification 12th Pass (if the policy term is above 20 years) Graduate and above (if the policy term is less than 20 years
Sum Assured Rs. 10 Lakhs (fixed)
For the Husband
Existing Life Cover Minimum - Rs. 25 Lakhs (from any insurer)
Annual Income Minimum - Rs. 4 Lakhs

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

Documents Required 

The documents mandatory to buy the IndiaFirst Life Plan for housewives are - 

  • KYC documents of the housewife demonstrating proof of identity and address such as PAN card, Aadhar card, etc.

  • Income proof of the husband such as salary slips, income tax returns, etc. 

Exclusions under IndiaFirst Life Plan for Housewives

This IndiaFirst term insurance plan for housewives does not cover the death of the life assured if it occurs as a result of a suicide attempt within the 1st year of the policy.

Note: You should also check the term insurance benefits if you are planning to purchase the term insurance plan.

Note: Check out the best term insurance plan in India and choose one that suits your requirements.

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IndiaFirst Term Insurance For Housewives Reviews & Ratings

4.5 / 5 (Based on 3 Reviews)
(Showing Newest 3 reviews)
Anushka
Bardez, March 02, 2021
Great offers
I I bought a term insurance plan of Indiafirst and it is such a reliable company which I have found. I have got to know about different offers regarding the term insurance plans. Great.
Renuka
Attingal, February 19, 2021
Customize your plan
I happen to buy a term insurance plan from the policybazaar website. It was of IndiaFirst. It was really good plan as I can customize it according to my choices. I bought it and added few features under my plan. Thanks team.
Yajan
Chaksu, May 13, 2016
Awesome
I have term insurance policy plan from IndiaFirst life insurance. Policy coverage is good approx. 90% and the premiums are low approx. 33 K. Claiming is easy and the waiting time is very less due to fast and on time services from executives and the staff members. Good future investment which save tax. I like the plan.
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