Life Insurance
Protection + Savings
in One Smart Plan
Life insurance plans that grow your money while protecting your family. Compare endowment, money-back, and whole life plans from LIC, HDFC Life, ICICI Prudential, and more.
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Plan Types
Endowment, Money-Back, Whole Life
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Premium From
₹1,000/month onwards
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Tax Benefit
Up to ₹1.5L under Section 80C
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Top Insurers
LIC, HDFC Life, ICICI Prudential
Plan Types
Choose the right
life insurance plan
Endowment Plans
Guaranteed returns at maturity + life cover. Best for conservative investors wanting certainty. LIC Jeevan Anand, HDFC Sanchay.
Money-Back Plans
Regular payouts every 5 years during the policy term. Good for periodic needs like education or weddings.
Whole Life Plans
Coverage for your entire life up to age 99. Premiums stop after a term but cover continues. Builds legacy for family.
Participating Plans
Earn bonuses declared by the insurer each year on top of guaranteed returns. Higher potential over long terms.
Child Plans
Specifically designed for children's education and milestones. Premiums waived if parent passes away.
Guaranteed Return Plans
Fixed, guaranteed maturity benefit regardless of market conditions. Ideal for risk-averse investors.
FAQs
Life insurance
questions answered
Common questions before buying a life insurance plan in India.
Ask an Expert →What is the difference between life insurance and term insurance?
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Term insurance is pure protection with no maturity benefit. Life insurance (endowment/money-back) combines protection with savings — you get money back at maturity or on specific intervals, but premiums are higher.
What is an endowment plan?
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An endowment plan pays the sum assured on maturity or to the nominee on death — whichever comes first. It's a forced savings plan with life cover. LIC's Jeevan Anand is a popular example.
What is a money-back policy?
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A money-back policy pays a percentage of the sum assured at regular intervals (every 5 years) during the policy term, with the remaining balance paid at maturity. Good for meeting periodic financial goals.
Are life insurance premiums tax deductible?
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Yes. Premiums up to ₹1.5 lakhs annually qualify for Section 80C deduction. Maturity proceeds are tax-free under Section 10(10D) subject to conditions.
How much life insurance cover do I need?
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For endowment/savings plans, the focus is on the savings component. For pure life protection, we always recommend a separate term plan for adequate cover.
Start saving and protecting today
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