1"use strict";(self.webpackChunkphonepe_website=self.webpackChunkphonepe_website||[]).push([[1689],{4791:function(e,t,a){a.r(t),a.d(t,{default:function(){return S}});var i=a(25540),n=a(96540),r=a(59192);var s=n.forwardRef((e,t)=>n.createElement("div",{ref:t},n.createElement(r.A,{pageHeader:"Term Life Insurance",pageContent:"Death is uncertain, and if the breadwinner dies prematurely, the family suffers considerable financial losses. Secure these losses with a Term Insurance plan at affordable premiums.",pageDeepLink:"https://ppe.onelink.me/rPjp/f24450b5",pageNavLink:"/insurance/life-insurance/term-life-insurance/"}))),l=a(28007),o=a(95688);var c=()=>{const e=(0,l.useStaticQuery)("3643483735"),t=[e.desktopImage.childImageSharp.fluid,Object.assign({},e.mobileImage.childImageSharp.fluid,{media:"(max-width: 600px)"})];return n.createElement(o.A,{ImageSources:t,altText:"Buy Term Life Insurance Policy Online",titleText:"Term Life Insurance"})},u=a(99184);var m=()=>n.createElement(u.A,{MidBannerContent:"The risk of premature death is covered under a Term Insurance policy. If the insured dies during the policy term, the sum insured is paid to the nominee. A Term Insurance plan is, therefore, a pure protection policy. \n It covers you against the risk of premature death and offers coverage for a policy period ranging from 5 years to 80 years.\n A Term Insurance cover is inexpensive and, hence, one of the most affordable Life Insurance products available in the market. The idea behind buying Term Insurance is to provide financial protection to your loved ones in the event of your untimely demise."}),I=a(44880);var d=()=>n.createElement(I.A,{CoverageTitle:"Term Life Vs 1-year Term Life Insurance",CoverageTopText:"While both 1-year and Term Insurance plans cover the risk of premature death during the policy tenure, both plans are different on various parameters. Have a look -",CoverageMainData:[{MTDTitle:"Coverage Tenure",MDTContent:"The coverage tenure is one year under a 1-year term plan. However, regular term plans offer longer coverage tenures going up to 80 years. Some plans can also provide the whole life protection option.",MTDImage:"data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMzciIGhlaWdodD0iMzgiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+PGcgc3Ryb2tlPSIjN0E0OUFGIiBmaWxsPSJub25lIiBmaWxsLXJ1bGU9ImV2ZW5vZGQiPjxyZWN0IHdpZHRoPSIzMyIgaGVpZ2h0PSIyOSIgcng9IjMuOTYzIiBzdHJva2Utd2lkdGg9IjMuNSIgdHJhbnNmb3JtPSJ0cmFuc2xhdGUoMiA2LjQxMykiLz48cGF0aCBzdHJva2Utd2lkdGg9IjMiIGQ9Ik0yIDE2LjkxM2gzNCIvPjxwYXRoIHN0cm9rZS13aWR0aD0iMyIgc3Ryb2tlLWxpbmVjYXA9InJvdW5kIiBkPSJNMTAuNjk1IDJ2NG0xNi00djQiLz48L2c+PC9zdmc+",MTDImageAltText:"Coverage Tenure"},{MTDTitle:"Premiums",MDTContent:"Premiums are different. Premiums might differ every time you renew the 1-year policy, whereas term plans have fixed premiums that never change during policy period.",MTDImage:"data:image/svg+xml;base64,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",MTDImageAltText:"Premiums"},{MTDTitle:"Medical Underwriting",MDTContent:"Usually, no medical underwriting is done for 1-Year Term Life Insurance plans. The same cannot be said for regular term plans.",MTDImage:"data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iNDciIGhlaWdodD0iNDAiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+PGcgc3Ryb2tlPSIjN0E0OUFGIiBmaWxsPSJub25lIiBmaWxsLXJ1bGU9ImV2ZW5vZGQiIHN0cm9rZS1saW5lY2FwPSJyb3VuZCIgc3Ryb2tlLWxpbmVqb2luPSJyb3VuZCI+PHBhdGggZD0iTTQxLjUyOSAzOEg0LjY1M2MtMS40MTUgMC0yLjU2Mi0xLjE1Ny0yLjU2Mi0yLjU4NVYxMi41NmMwLTEuNDI3IDEuMTQ3LTIuNTg1IDIuNTYyLTIuNTg1SDQxLjUzYzEuNDE0IDAgMi41NjIgMS4xNTggMi41NjIgMi41ODV2MjIuODU0YzAgMS40MjgtMS4xNDggMi41ODUtMi41NjIgMi41ODV6TTE1Ljk0IDkuODM2
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Hereâs why:",BenefitsTopDataTitle:"Available at affordable prices",BenefitsTopDataMainText:"One of the most distinctive benefits of Term Insurance is its affordability. Compared to other Life Insurance products with a savings and bonus component added, pure Term Insurance promises a substantial lump sum coverage at affordable premiums."},BenefitsMainData:[{BenefitIcon:"data:image/svg+xml;base64,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",BenefitTitle:"Offers flexible coverage",BenefitAltText:"Offers flexible coverage",BenefitMainContent:"Term plans provide the flexibility to choose the duration of coverage between 5 years - 80 years. Some insurance companies also offer longer durations to the extent of allowing you to remain covered until you turn 99 or 100 years of age."},{BenefitIcon:"data:image/svg+xml;base64,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",BenefitTitle:"Replaces lost income",BenefitAltText:"Replaces lost income",BenefitMainContent:"Some Term Insurance plans offer the option to provide the sum assured monthly. This enables the family to receive financial assistance every month, replicating the familyâs monthly income stream through the life assured."},{BenefitIcon:"data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iNDIiIGhlaWdodD0iNDMiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+PGcgc3Ryb2tlPSIjN0E0OUFGIiBmaWxsPSJub25lIiBmaWxsLXJ1bGU9ImV2ZW5vZGQiIHN0cm9rZS1saW5lY2FwPSJyb3VuZCIgc3Ryb2tlLWxpbmVqb2luPSJyb3VuZCI+PHBhdGggZD0iTTE1LjU0NCA0MGgtOC4zNEM0LjM4IDQwIDIuMDkgMzcuNjk1IDIuMDkgMzQuODUxVjguMTVDMi4wOTEgNS4zMDYgNC4zODEgMyA3LjIwNCAzaDE5LjkzM2MyLjgyMyAwIDUuMTEzIDIuMzA2IDUuMTEzIDUuMTQ5djcuOTMiIHN0cm9rZS13aWR0aD0iNC4xNzciLz48cGF0aCBzdHJva2Utd2lkdGg9IjMu
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Term plans do just that. The lump sum that your family receives on your death enables them to manage everyday expenses without making any compromises."}],BenefitSectionStyles:"termlifeinsurance-benefit",BenefitsDisclaimerText:"*Tax benefits are subject to changes in tax laws"});var M=()=>n.createElement(I.A,{CoverageTitle:"Why a Term Insurance plan?",CoverageTopText:"Here are the benefits of buying the term plan with us -",CoverageMainData:[{MTDTitle:"Choose from an array of options",MDTContent:"With access to multiple insurance companies, you can choose an insurance plan with a high sum assured best suited to your needs."},{MTDTitle:"Enjoy a seamless digital experience",MDTContent:"We offer you an exceptional online experience with a large variety of plans and brands you can choose from. You can complete the entire insurance purchase process in a matter of minutes on the go!"},{MTDTitle:"Pay affordable premiums",MDTContent:"We enable you to buy a higher cover amount at lower premiums. A Term Insurance plan on the platform starts at just Rs. 6/day*"}],CoverageDisclaimerText:"*Premium: Rs 6/day is for 18 year old female for Rs. 25 lakh Sum assured and a term of 7 years",CoverageStyle:"termlifeinsurance-coverage"}),h=a(4870);var p=()=>n.createElement(h.A,{stylesClass:"termlifeinsurance-servicebubble"},n.createElement("h2",null,"Inclusions in Term Insurance*"),n.createElement("p",null,"A Term Insurance plan covers the following types of deaths"),n.createElement("ul",{className:"termlifeinsurance-servicebubble__bubbles"},n.createElement("li",{className:"emptyBubbleOne"}),n.createElement("li",{className:"emptyBubbleTwo"}),n.createElement("li",{className:"emptyBubbleThree"}),n.createElement("li",{className:"emptyBubbleFour"}),n.createElement("li",{className:"emptyBubbleFive"}),n.createElement("li",{className:"termlifeinsurance-servicebubble__bubbles__item bubbleOne"},n.createElement("p",null,"Death due to an illness")),n.createElement("li",{className:"termlifeinsurance-servicebubble__bubbles__item bubbleTwo"},n.createElement("p",null,"Natural death, i.e., death due to natural causes")),n.createElement("li",{className:"termlifeinsurance-servicebubble__bubbles__item bubbleThree"},n.createElement("p",null)),n.createElement("li",{className:"termlifeinsurance-servicebubble__bubbles__item bubbleFour"},n.createElement("p",null,"Death due to a natural calamity or disaster")),n.createElement("li",{className:"termlifeinsurance-servicebubble__bubbles__item bubbleFive"},n.createElement("p",null,"Accidental death, i.e., death due to an accident"))),n.createElement("div",{className:"termlifeinsurance-servicebubble__disclaimerText"},"*Read policy documents for more details since all the above listed items are subjective in nature."));var N=()=>n.createElement(h.A,{stylesClass:"termlifeinsuranceExclusions"},n.createElement("div",{className:"termlife-exclusions"},n.createElement("h2",null,"Exclusions in Term Insurance*"),n.createElement("div",{className:"termlife-exclusions__mainContent"},n.createElement("p",null,"The term plan does not cover death due to suicide within a year of buying or reviving a policy. If the insured commits suicide within a year of buying the policy, the premium is refunded. On the other hand, if the insured commits suicide within a year of revival, more than 80% of the premiums paid or the surrender value is refunded. So, understand the concept of Term Insurance and the benefits that you can get. Note that suicide is not the only exclusion. Please read the policy document for more details."),n.createElement("p",{className:"termlife-exclusions__mainContent__disclaimer"},"*Coverage, terms and exclusions may differ from insurer to insurer. Please read respective productâs terms and conditions carefully before concluding a sale.")))),b=a(13251);var f=()=>n.createElement(b.A,{blogsArr:[{blogLink:"https://www.phonepe.com/blog/insurance/two-wheeler-insurance-explained-whats-covered-and-whats-not/",blogDate:"21 September",blogTitle:"Two-Wheeler Insurance Explained: Whatâs Covered and Whatâs Not",blogContent:"The idea of insurance is built around hoping for the best but preparing for the worst. When we buy insurance, be it any kind, we think of the worst-case scenario...",blogPublisher:"PhonePe Blog",external:!1},{blogLink:"https://www.phonepe.com/blog/insurance/gift-your-loved-ones-financial-independence-with-term-insurance/",blogDate:"28 September",blogTitle:"Gift your loved one
1s Financial Independence with Term Insurance",blogContent:"Gifting your son that PlayStation heâs always wanted or your mother a beautiful piece of jewellery that sheâs liked, brings immense joy. A gift, no matter how small...",blogPublisher:"PhonePe Blog",external:!1},{blogLink:"https://www.phonepe.com/blog/insurance/missed-buying-health-insurance/",blogDate:"31 August",blogTitle:"Missed Buying Health Insurance?",blogContent:"Buying health insurance when you are young is the best thing to do to secure your health. Health insurance helps you stay prepared for unexpected health issues and hospital expenses...",blogPublisher:"PhonePe Blog",external:!1}]}),T=a(98392);var D=()=>n.createElement(h.A,{stylesClass:"termlifeinsurance-faq"},n.createElement("h2",null,"Got questions? ",n.createElement("br",null),"Read on to find out more!"),n.createElement(T.A,null,n.createElement("div",{label:"What should I check before buying Term Insurance?"},n.createElement("p",null,"Check the sum assured of the insurance coverage opted. Also, compare the premium rates and choose a plan which offers a comprehensive scope of coverage without hurting your pockets.")),n.createElement("div",{label:"Is accidental death covered in Term Insurance?"},n.createElement("p",null,"Yes, a ",n.createElement("strong",null,"term life insurance")," plan covers accidental deaths. Such deaths are covered from the first day of the policy.")),n.createElement("div",{label:"Is a salary slip required for Term Insurance?"},n.createElement("p",null,"Yes, salary slip is required for all Term Insurance policy purchases.")),n.createElement("div",{label:"Do premiums remain same for the entire policy period?"},n.createElement("p",null,"Yes, your premiums will remain the same throughout the policy term.")),n.createElement("div",{label:"Is a medical test mandatory for Term Insurance?"},n.createElement("p",null,"Depending on your medical history and current health risks, the insurer might ask you to undergo medical tests before issuing the policy.")))),j=a(3520);var L=()=>n.createElement(j.A,{relatedSearches:["International Travel Insurance","Bike Insurance","Car Insurance","Health + Covid-19 Insurance","Accident Insurance"]}),v=a(64166),x=a(77528),z=a(52862);const w=[{"@context":"https://schema.org/","@type":"Product",name:"Term Life insurance",image:"https://www.phonepe.com/webstatic/static/2f8bbb82df264634d92ae9d10aff8938/3bf79/termlife-desktop-1x.png",description:"With a Term Life Insurance, secure your family from financial loss in case of uncertain and premature death Compare the best term insurance plan on PhonePe and buy policy instantly.",brand:{"@type":"Brand",name:"PhonePe"}},{"@context":"https://schema.org","@type":"FAQPage",mainEntity:[{"@type":"Question",name:"What should I check before buying term insurance?",acceptedAnswer:{"@type":"Answer",text:"Check the sum assured of the insurance coverage opted. Also, compare the premium rates and choose a plan which offers a comprehensive scope of coverage without hurting your pockets."}},{"@type":"Question",name:"Is accidental death covered in term insurance?",acceptedAnswer:{"@type":"Answer",text:"Yes, a term life insurance plan covers accidental deaths. 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