Term Life Insurance — Maximum Protection at Lowest Cost
Pure protection with no maturity value. Secure a massive financial cover for your family at an affordable price.
Why Everyone Under 45 Needs Term Cover
If you have dependents, you need term insurance. It is the cheapest way to secure your family's future. In my experience, buying a plan early locks in low premiums that stay same for life.
The 10x Income Rule for Coverage
I recommend keeping your sum assured at least 10 times your annual income. If your yearly salary is ₹10 lakh, your term cover must be at least ₹1 crore. This ensures your family can pay off loans and live comfortably.
🏆 Ajay's Advisory
Many buy endowment plans thinking of returns, but they end up heavily underinsured. Term insurance is pure protection. It lets you secure a ₹1 Crore cover for your family for the cost of a dinner out. It is a must-have.
Add Protection with Riders
- Accidental death rider for extra payout in case of accidents
- Critical illness rider that pays a lump sum on major illness diagnosis
- Waiver of premium rider to keep cover active if you get disabled
LIC Tech Term vs e-Term Comparison
LIC Tech Term is an online-only plan with lower premiums and simple processing. LIC e-Term is also popular. Both offer the reliability of LIC's high claim settlement ratio, which is above 98.6%.
We help you compare the claim settlement ratios and terms of Tech Term vs e-Term to choose the right fit.
Indicative Annual Premiums (₹1 Crore Cover)
For a healthy, non-smoker male up to age 60
*Indicative rates only. Actual premiums depend on medical checks and policy term.
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