Term & savings plans for lifelong peace of mind
Protect your family's future with the right term cover, ULIPs, or endowment plans — compared across leading Indian insurers.
Overview
Why choose PolicyFacts for life insurance?
A life insurance policy is the quietest promise you'll ever make — that your family's plans, EMIs, and dreams keep moving even if you don't. We help you choose the right sum assured, tenure and rider mix from 20+ IRDAI-approved insurers, so the number on your policy actually reflects the life you're protecting.
- Term plans up to ₹5 Cr with fully cashless claims
- Tax benefits under Section 80C & 10(10D)
- Riders for critical illness, disability & accidental cover
- Lifetime claim assistance from a dedicated advisor
What's covered
Every detail that matters, handled.
Features we insist on before recommending any life insurance plan.
High sum assured
Cover up to ₹5 Cr with premiums starting ₹500/month for a healthy 30-year-old.
Wealth + protection
ULIPs and endowment plans that grow your money while covering your life.
Whole-family cover
Joint-life and spouse riders that keep both partners protected under one policy.
Critical illness rider
Lump-sum payout on diagnosis of 30+ major illnesses, over and above the sum assured.
Return of premium
Get every rupee of premium back at maturity if the policy runs its full term.
Claim ratio 98%+
We only shortlist insurers with 5-year claim settlement above 98%.
Plans
Three tiers, one honest recommendation.
Indicative pricing. Actual quotes depend on age, city and profile — we'll walk you through it in a 15-minute call.
Essential Term
Pure protection, nothing extra.
from ₹499 /mo
- Cover ₹1 Cr for 30 years
- Terminal illness benefit
- Online medicals only
- 80C tax benefit
Family Shield
Most families choose this.
from ₹899 /mo
- Cover ₹2 Cr for 35 years
- Critical illness + accidental rider
- Waiver of premium
- Spouse cover option
Legacy Plus
Wealth transfer + protection.
from ₹1,899 /mo
- Cover ₹5 Cr + ULIP corpus
- 36 critical illnesses covered
- Return of premium
- Dedicated relationship manager
The process
From quote to claim, in four steps.
No hidden calls, no pushy sales. A calm, senior advisor walks you through every stage.
Share basic details
Age, income, dependents and existing cover — takes 2 minutes.
Compare top plans
We shortlist 3 policies from 20+ insurers matched to your profile.
Medicals & KYC
Free tele-medicals at home; documents uploaded on WhatsApp.
Lifetime support
Renewals, endorsements and claim filing — always handled by us.
Common questions
Answers before you have to ask.
Still have questions? A senior advisor will call you back within the hour, on your preferred number.
Request a callbackHow much life cover do I actually need?
A common thumb-rule is 15–20× your annual income, plus outstanding loans, minus existing investments. Our advisor calculates it precisely from your take-home and goals.
Term vs ULIP — which is better?
Term is the cheapest pure protection. ULIPs mix protection + investment but come with charges. Most families should own term first, then invest separately.
Will my claim really be paid?
Yes, if disclosures at proposal are honest. We only recommend insurers with 98%+ claim settlement over 5 years and help your nominee with paperwork if needed.
Can I increase cover later?
Yes — most modern term plans allow you to step up cover at marriage, childbirth or home-loan events without fresh medicals.
Ready when you are
Not sure which policy is right for you?
Book a 15-minute call with a certified advisor. No sales pitch — just a clear plan and honest numbers, in plain English.