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Term Life Insurance in Kerala Idukki 2024

Idukki, Kerala's picturesque hill district known for its stunning landscapes, hydroelectric projects, and spice plantations, is experiencing a significant transformation in financial planning awareness during 2024. Term life insurance has become increasingly relevant for residents seeking to protect their families in this unique geographical setting.

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The district's diverse population, including spice farmers, plantation workers, hydroelectric plant employees, and tourism industry workers, has led to specialized approaches in term insurance coverage that address the distinct challenges of high-altitude living and agricultural dependence. Let’s understand more about term life insurance in Kerala Idukki and the term insurance plan you can buy to secure your loved ones. 

Key trends shaping Idukki's term insurance landscape in 2024 include:

  • Altitude-specific coverage: Insurance providers have introduced policies considering the unique health and lifestyle factors associated with high-altitude living.

  • Plantation worker protection: Specialized plans for spice plantation workers, considering occupational hazards and seasonal income patterns.

  • Natural calamity coverage: Enhanced protection against landslides, heavy rainfall, and other geographical risks common to the region.

  • Tourism sector solutions: Tailored policies for those involved in the growing adventure tourism and hospitality sectors.

  • Hydroelectric sector focus: Specific coverage options for employees working in Idukki's numerous hydroelectric projects.

Need For Term Insurance Based On Statistics Of Kerala

Here are some facts and statistics about Kerala that you must know to buy term plan:

01
Land of Coconuts:

The word ‘Kerala’ means ‘Land of Coconuts’ and is home to several coconut trees scattered all across the state.

02
Female-to-Male Ratio:

Kerala has the highest female-to-male ratio among all Indian states, with 1084 females for every 1000 males.

03
Life Expectancy:

Kerala has one of the highest life expectancy in India, with people living up to 75 years on average. This is a significant 10-year difference compared to the national average of around 65 years.

04
Literacy Rate:

Kerala has the highest literacy rate among all Indian states with 94%.

05
First Ayurvedic Resort:

Kerala is home to the first ayurvedic resort in the world, ‘Somatheeram’. It is also the only state in India where Ayurveda is the main treatment for many diseases.

06
First Covid Case:

The first COVID-19 case in India was detected in Kerala, and the state recorded over 67 Lakh cases from 2022 to 2021.

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Term Life Insurance Quotes in Kerala Idukki 2024

Kerala Idukki has witnessed severe floods in recent years, making it crucial for people to secure their family’s lifestyle in the event of the policyholder’s sudden death. Therefore, people living in Kerala Idukki must buy the term insurance plans to secure the financial future of their families amidst such conditions. 

Term life insurance in Kerala Idukki can easily be found online on Policybazaar, where different term insurance plans offered by multiple insurers can be compared. Policybazaar has its own comparison engine where you can easily compare term plans from Indian insurers. Here is a list of all the term life insurance plans in Kerala Idukki:

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+

Life Insurance Company Term Insurance Plan Claim Settled Amount (cr) Entry Age Sum Assured Additional Benefits
Aditya Birla Sun Life Insurance Company Limited ABSLI Salaried Term Plan 458 21 to 55 years Rs. 50 Lakhs to Rs. 5 Crores
  • Exclusively designed for salaried individuals
  • Accelerated Critical Illness
  • Tax Benefits
Aviva Life Insurance Company India Limited Aviva Signature 3D Term Plan 98 18 to 65 years Rs. 5 Lakhs to no limit
  • Financial protection for family
  • Enhance cover with riders
  • Tax benefits
Bajaj Allianz Life Insurance Company Limited Bajaj Allianz eTouch 603 18 to 55 years Rs. 50 Lakhs to Rs. 10 Crores
  • Terminal Illness
  • Waiver of Premium
  • Early exit benefit
Bandhan Life Insurance Company Limited Bandhan Life iTerm Prime 86 18 to 65 years Rs. 25 Lakhs to Rs. 20 Crores
  • Special Exit Value
  • AD Rider
  • CI Care Rider
Bharti Axa Life Insurance Company Limited Flexi Term Pro 148 18 to 65 years Rs. 25 Lakhs to no limit
  • Choose from 2 cover options
  • Get single or joint cover
  • Life stage benefits
Canara HSBC Life Insurance Company Limited Canara Young Term Plan 186 18 to 45 years Rs. 25 Lakhs to Rs. 20 Crores
  • Block Your Premium
  • Special Exit Value
  • Child Care Benefit
Edelweiss Life Insurance Company Limited Edelweiss Life Zindagi Plus 59 18 to 65 years Rs. 25 Lakhs - no limit
  • Option to cover spouse as well
  • Increase cover yearly
  • Post-hospitalisation benefits offered
Future Generali India Life Insurance Company Limited Future Generali India Term Insurance Plan 33 18 to 60 years Rs. 50 Lakhs to no limit
  • Financial protection for family
  • Tax benefits
  • Enhance cover with riders
HDFC Life Insurance Company Limited HDFC Click 2 Protect Super 1,389 18 to 65 years Rs. 50 Lakhs to Rs. 20 Crores
  • Terminal illness Benefit
  • Waiver of Premium on Critical Illness and Total and Permanent Disability
  • Return of Premium option
ICICI Prudential Life InsuranceCompany Limited ICICI iProtect Smart 1,950 18 to 65 years Rs. 50 Lakhs to Rs. 20 Crores
  • Terminal Illness benefit
  • Waiver of Premium
  • Life stage benefit
IndiaFirst Life Insurance Company Limited IndiaFirst Life Elite Term Plan 160 18 to 60 years Rs. 1 Lakh to Rs. 5 Crore
  • Long term cover
  • Financial protection for family
  • Flexible premium payments
Kotak Mahindra Life Insurance Company Limited Kotak Life e Term 321 18 to 65 years Rs. 50 Lakhs to Rs. 10 Crores
  • Smart Exit Benefit
  • Wellness Benefit
Life Insurance Corporation of India LIC New Tech Term Plan 18,398 18 to 65 years Rs. 50 Lakhs to no limit
  • Choose from 2 sum assured
  • Enhance cover with riders
  • Pay premiums as per convenience
Max Life Insurance Company Limited Max Life Smart Secure Plus 1,242 18 to 60 years Rs. 25 Lakhs to Rs. 1 Crore
  • Terminal Illness
  • Accelerated Critical Illness Benefit
  • Special Exit Value
  • Joint Life option
PNB MetLife India Insurance Company Limited PNB MetLife Mera Term Plan Plus 407 18 to 50 years Rs. 50 Lakhs to Rs. 10 Crores
  • Life stage benefit
  • Terminal Illness
  • Accelerated Critical Illness
  • Waiver of premiums on ATPD or CI
Pramerica Life Insurance Company Limited Pramerica Life Rock Solid Plan 30 18 to 65 years Rs. 50 Lakhs to no limit
  • Smart Exit benefit
  • Option to choose increasing cover
  • Cover spouse in the same plan
SBI Life Insurance Company Limited SBI eShield Next Plan 1,676 18 to 65 years Rs. 50 Lakhs to Rs. 10 Crores
  • Terminal Illness
  • Flexible Death Benefit Payment Modes
  • Better Half Benefit
Shriram Life Insurance Company Limited Shriram Life Smart Protection Plan 109 18 to 65 years Rs. 30,000 to Rs. 14 Lakhs
  • Choose from 3 plan options
  • Get inbuilt accidental cover
  • Affordable premiums
Star Union DAI-ICHI Life Insurance Company Limited SUD Life Protect Shield Plus 113 18 to 60 years Rs. 1 Crore to 2 Crore
  • Change premium pay frequency
  • Choose convenient mode of payment
  • Tax benefits
Tata AIA Life Insurance Company Limited Tata AIA SRS Vitality Protect 776 18 to 60 years Rs. 50 Lakhs to Rs. 2 Crores
  • Early payout on Terminal illness
  • Accidental Death
  • Accidental Total & Permanent Disability

*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

How to Buy Term Life Insurance from Policybazaar?

How can you contact Policybazaar to buy term insurance in Kerala Idukki?

You can easily visit the address mentioned below to contact Policybazaar in Kerala Idukki to buy term plan:

Contact us to Buy Term Plan

Policybazaar Insurance Brokers Private Limited,

4th Floor Arya Bhangy Pinnacle, 

S.A. Road Elamkulam, 

Kochi, Kerala Idukki - 682020

Contact Now

You can also contact Policybazaar through the Claim Assistance Helpline Number at 1800-258-5881.

Additionally, you can log in to the 'My Account' section on the website or directly use the official Policybazaar app to receive assistance in case you have any doubts/queries.

*Note: You can easily contact Policybazaar insurance advisor to clear all doubts, resolve queries, and know about various term plans available.

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Why Should You Buy Term Insurance In Kerala Idukki?

With Kerala Idukki’s extreme flood situation and rising healthcare prices, there is an even more need for life insurance. Here are some more reasons why you should buy term insurance in Kerala Idukki:

  • Financial Security During Growing Expenses: With the rising cost of living in Kerala Idukki, a term insurance plan is an important financial decision as it protects your loved ones. The life cover can cover essential expenses like education, housing, and daily living costs, ensuring your family's stability during economic difficulties.

  • Educational Hub and Future Planning: Kerala Idukki has the highest literacy rate in India. Therefore, families in Kerala Idukki constantly prioritize their children's academic growth. Term insurance, in this case, provides financial security for your child's education, ensuring their studies can continue even in your unfortunate absence.

  • Healthcare Costs and Medical Emergencies: Kerala Idukki’s gradual development attracts increased focus on healthcare. However, medical emergencies can still become a financial challenge for many. Term insurance helps cover potential medical expenses, ensuring your family has the right finances to cover for unforeseen health crises without compromising financial stability.

Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. 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 complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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


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