Pure Life Protection — No Investment Risk

Secure Your Family's
Future — Even When
You're Not Around

Term Insurance is the most affordable way to give your family financial security. A ₹1 Crore cover can start at just ₹500/month. No maturity benefits — just pure, powerful protection.

💰 Cover up to ₹10 Crore
✅ Tax-Free Payout
🌍 Worldwide Coverage
📋 Tax Benefit u/s 80C
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🧮 Coverage Calculator
Find your ideal cover amount instantly
Under ₹5L
₹5–10L
₹10–20L
₹20L+
18–30
31–40
41–50
Only Spouse
Spouse + 1 Child
Spouse + 2+ Kids
Recommended Cover
₹50L
Sum Assured
Est. Monthly Premium
₹420
Approx. cost
📞 Get Exact Quote on WhatsApp
Why Term Insurance?

The Smartest Protection You Can Buy

No other insurance product gives you this much coverage for this little premium. Here's why Term Insurance is essential.

💰
100% Tax-Free Payout
The entire death benefit is paid out completely tax-free to your nominee under Section 10(10D) — no deductions, no delays.
📋
Pure & Lowest Cost Protection
No investment component means your entire premium goes towards protection. A ₹1 Crore cover starts at just ₹500/month for a 25-year-old.
🌍
Worldwide Coverage
Whether you're in India or abroad, your term policy stays active. Your family receives the full claim amount regardless of where the event occurs.
👨‍👩‍👧
Income Replacement for Family
Choose a monthly income payout option so your family receives a steady monthly amount — just like a salary — for years after you're gone.
Choose Your Plan Type

Four Ways to Protect Your Family

Each plan type is designed for a different life stage and financial goal. Pick the one that fits you best.

⭐ Most Popular
📊
Level Term Plan
Fixed sum assured throughout the entire policy term. Most affordable and straightforward option.
  • Fixed cover for entire policy duration
  • Lowest premium among all term plans
  • Cover up to ₹10 Crore
  • Policy term up to age 75 or 99
  • Riders available for extra protection
Get This Plan →
📈
Increasing Term Plan
Sum assured increases every year to keep pace with inflation and your growing responsibilities.
  • Cover increases by 5–10% every year
  • Protects against rising cost of living
  • Ideal for young professionals
  • Premium stays fixed despite cover increase
  • Suitable for long-term planners
Get This Plan →
🔄
Return of Premium Plan
If you survive the policy term, 100% of your premiums are returned. Zero risk — you always win.
  • Full premium refunded on maturity
  • Life cover active for entire term
  • Higher premium than Level Term
  • Best for those who want money back
  • No market risk — guaranteed return
Get This Plan →
⏱️
Limited Pay Term Plan
Pay premium for a limited period only — 5, 10 or 15 years. Full coverage continues till the end of policy term.
  • Pay premium for 5 / 10 / 15 years only
  • Coverage till full policy term end
  • Become premium-free early in life
  • Ideal for high earners in peak years
  • No premium burden post-retirement
Get This Plan →
Plan Comparison

Compare Our Coverage Tiers

Choose from Basic, Standard, or Premium coverage — each designed for a different protection need.

Features Basic Plan Standard Plan BEST VALUE Premium Plan
Sum Assured ₹25L – ₹50L ₹50L – ₹2 Crore ₹2 Crore – ₹10 Crore
Policy Term Up to age 65 Up to age 65 Up to age 65
Premium Payment Regular Pay Regular / Limited Pay Regular / Limited / Single Pay
Critical Illness Rider ✗ Add-on ✓ Included
Accidental Death Benefit Add-on ✓ Included ✓ Included
Waiver of Premium ✗ ✓ ✓
Monthly Income Option ✗ ✓ ✓
Return of Premium Option ✗ Add-on ✓ Included
Est. Monthly Premium* From ₹350/mo From ₹650/mo From ₹1,400/mo

*Premium indicative for a 30-year-old non-smoker male. Final amount depends on age, health, lifestyle, and insurer.

Claim Settlement

How Term Insurance Claims Work

A simple, fast, and transparent 3-step process — so your family gets the money when they need it most.

📋
Step 1: Register the Claim
Nominee contacts the insurer or Supersaga's helpline to initiate the claim. We assist with every step.
📁
Step 2: Submit Documents
Submit death certificate, original policy bond, nominee ID proof, and bank details. We help organise everything.
💳
Step 3: Receive Settlement
IRDAI mandates settlement within 30 days. Amount is directly transferred to the nominee's bank account — tax-free.
Important Alert

Why Are Term Claims Rejected?

Term insurance claim rejections can be devastating for a grieving family. They almost always happen due to avoidable mistakes at the time of buying the policy. Our advisors ensure you never make these errors.

💡 Supersaga's Promise: We review your complete profile before recommending any plan — disclosures, lifestyle, occupation, and nominee details — so your family's claim is never in doubt.
🤫
Non-Disclosure of Health History
Hiding existing conditions like Diabetes, Heart Disease, or Cancer at the time of application is the most common reason for claim rejection by insurers.
🍺
Alcohol or Drug-Related Death
Deaths directly caused by alcohol abuse, drug addiction, or substance overdose are excluded under most term insurance policies.
✈️
Aviation or Adventure Activity Risk
If you're a pilot, frequent flyer, or participate in hazardous sports (skydiving, motor racing), this must be disclosed. Undisclosed risks void the claim.
💼
Undisclosed High-Risk Occupation
Jobs in mining, armed forces, deep-sea diving, or explosive handling carry higher risk. Failing to disclose your occupation leads to direct claim rejection.
⏰
Policy Lapsed Due to Non-Payment
If premiums are not paid and the grace period expires, the policy lapses. A claim on a lapsed policy will always be rejected — no exceptions.
👤
Incorrect or Outdated Nominee Details
Wrong nominee name, outdated relationship, or missing nominee registration causes delays and disputes. Always keep nominee details updated.
Common Questions

Frequently Asked Questions

Clear, honest answers to the most common questions about Term Insurance.

Term Insurance provides pure life cover — if the policyholder passes away during the term, the nominee gets the full sum assured. There is no maturity benefit. An Endowment Plan combines insurance with savings — you get a lump sum at maturity even if you survive. Term plans are far more affordable and offer much higher cover for the same premium.
Riders are optional add-ons that enhance your base policy at a small extra premium. Popular riders include: Critical Illness Rider (lump sum on diagnosis of 40+ diseases), Accidental Death Benefit (additional payout on accidental death), and Waiver of Premium (premiums waived if you become disabled). We recommend at least the Critical Illness and Accidental Death riders.
Yes. Term Insurance premiums are deductible under Section 80C of the Income Tax Act, up to ₹1.5 Lakh per year. Additionally, the death benefit received by the nominee is completely tax-free under Section 10(10D).
You can update your nominee details at any time during the policy term by submitting a nominee change form to your insurer — online or offline. It is strongly recommended to review and update your nominee details after major life events like marriage, childbirth, or the death of a nominee.
A common rule of thumb is 10–15 times your annual income. However, the ideal amount depends on your outstanding liabilities (home loan, car loan), number of dependants, future goals (children's education, spouse's retirement), and expected income growth. Our calculator above gives you a starting estimate, and our advisors will fine-tune it for free.

Your Family Deserves the Best — Act Today

A 10-minute call with our advisor could give your family ₹1 Crore+ of financial security. Completely free consultation.

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💬