{"id":679,"date":"2020-10-11T13:06:00","date_gmt":"2020-10-11T13:06:00","guid":{"rendered":"http:\/\/blog.insurancesamadhan.com\/?p=679"},"modified":"2025-04-16T14:24:24","modified_gmt":"2025-04-16T08:54:24","slug":"how-to-choose-best-term-insurance-plan-in-india-for-yourself","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/how-to-choose-best-term-insurance-plan-in-india-for-yourself\/","title":{"rendered":"How to choose best Term Insurance Plan in India for yourself"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-choose-best-term-insurance-plan-in-india-for-yourself\/#8_Factors_to_keep_in_mind_to_choose_the_right_Term_Insurance_Plan_in_India_for_yourself\" >8 Factors to keep in mind to choose the right Term Insurance Plan in India for yourself<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-choose-best-term-insurance-plan-in-india-for-yourself\/#FAQs_related_to_Term_Insurance\" >FAQs related to Term Insurance<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-choose-best-term-insurance-plan-in-india-for-yourself\/#1_Can_I_change_the_premium_paying_term_for_term_insurance\" >1. Can I change the premium paying term for term insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-choose-best-term-insurance-plan-in-india-for-yourself\/#2_Is_term_insurance_premium_refundable\" >2. Is term insurance premium refundable?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-choose-best-term-insurance-plan-in-india-for-yourself\/#3_What_happens_to_the_premium_on_the_term_policies\" >3. What happens to the premium on the term policies?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-choose-best-term-insurance-plan-in-india-for-yourself\/#4_What_is_the_premium_payment_term_in_term_insurance\" >4. What is the premium payment term in term insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-choose-best-term-insurance-plan-in-india-for-yourself\/#5_What_happens_if_a_return_of_premium_term_policy_is_not_held_to_the_end_of_term\" >5. What happens if a return of premium term policy is not held to the end of term?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-choose-best-term-insurance-plan-in-india-for-yourself\/#6_What_is_a_limited_pay_premium_payment_option\" >6. What is a limited pay premium payment option?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-choose-best-term-insurance-plan-in-india-for-yourself\/#7_Who_has_the_right_to_change_the_premium_mode\" >7. Who has the right to change the premium mode?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-choose-best-term-insurance-plan-in-india-for-yourself\/#8_Which_premium_payment_mode_is_most_expensive\" >8. Which premium payment mode is most expensive?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-choose-best-term-insurance-plan-in-india-for-yourself\/#9_What_happens_if_I_stop_paying_my_term_life_insurance\" >9. What happens if I stop paying my term life insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-choose-best-term-insurance-plan-in-india-for-yourself\/#10_Can_I_increase_the_tenure_of_my_insurance_policy\" >10. Can I increase the tenure of my insurance policy?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\r\n<p>The term insurance plan is a device by which we can ensure that our family members get financial protection in case something unexpected happens to us. Most\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/blog\/when-to-buy-a-term-insurance\/\">term insurance plans<\/a>\u00a0are customized to fit a variety of situations and offer necessary solutions. It is always advisable to research properly and compare the costs and benefits of a term plan before buying the plan.<\/p>\r\n<center><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=google&amp;utm_medium=organic&amp;utm_campaign=blog_banner&amp;utm_content=http%3A%2F%2Fbit.ly%2F2kuc159\"><img decoding=\"async\" src=\"https:\/\/www.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Get Resolutions for Insurance Complaints\" \/><\/a><\/center>\r\n<p>&nbsp;<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"8_Factors_to_keep_in_mind_to_choose_the_right_Term_Insurance_Plan_in_India_for_yourself\"><\/span>8 Factors to keep in mind to choose the right Term Insurance Plan in India for yourself<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<ol class=\"wp-block-list\">\r\n<li><strong>Choosing an appropriate cover amount:<\/strong> Term insurance plan is taken to offer financial support to your dependants in your sudden absence. If you are looking for a plan with plain indistinctive insurance, choose one that assures a lump sum amount to your family if you are not around in the future. You should also assure that the sum proposed by the policy is at least 15-20 times your current annual income. You can also add the Accidental Death Benefit which safeguards you against a range of unpredictable incidents such as road accidents, by offering large benefits at a low cost.<\/li>\r\n<li><strong>Critical Illness rider:<\/strong>\u00a0You can also get Critical Illness rider on a term plan which offers financial protection if your family has a history of critical or terminal diseases. Health insurance does not compensate for major illness which is very expensive to treat after they are diagnosed.<\/li>\r\n<li><strong>Benefits of purchasing your plan online:<\/strong> It is more beneficial to purchase your plan online rather than offline. Online Term Insurance plan requires you to pay fewer premiums in contrast to offline Term Insurance plans. Online Term Insurance plan is also favourable as it is cheaper due to the absence of agents and you pay the premium directly to the insurance company. In addition to this, there is no requirement of paperwork and the process is swift and convenient. Also term plans with the lowest expenses should be chosen since they translate to lower premiums for the same cover. While purchasing the insurance online it is also easier to compare it with similar offers from a number of insurance companies and choose the most suitable one for you.<\/li>\r\n<li><strong>Choosing a suitable Tenure:<\/strong>\u00a0You should choose a suitable tenure in order to derive benefits from the term insurance plan for yourself. You should have a term insurance plan till you reach your age of retirement that is 60, which is normally considered to be an appropriate time.<\/li>\r\n<li><strong>Single premium plans:<\/strong>\u00a0A single premium plan can be costlier as you have to pay a large sum of money upfront but it has its benefits depending on your particular situation. In case you are prone to miss renewal deadlines and can afford to pay the premium at a time, it is beneficial to go for the single premium plans as the overall cost would be less and it will save you from the trouble of paying the premium a number of time before the deadlines.<\/li>\r\n<li><strong>Take your responsibilities into consideration:<\/strong>\u00a0Home loans, financing children\u2019s education and other legal responsibilities should also be considered. It is also necessary to include the payable outstanding loans in your cover amount. Those financial obligations and loans will be taken care of by the insurance company and your family will be free from hassle in case something unfortunate happens to you.<\/li>\r\n<li><strong>Claim Settlement Ratio and Solvency Ratio:<\/strong>\u00a0In some cases, certain insurance companies delay settling the claim. It is of utmost importance to acquire your Term Insurance plan from an authentic and trusted insurance company to avoid putting your family through additional financial trauma. To insure this, it is necessary to check the claim settlement ratio of the company. Select a company with a higher claim settlement ratio as it is presumably better than a company with a lower claim settlement ratio. You can also find out if the insurer you choose will be financially able to settle your claim by the solvency ratio. A solvency ratio of at least 1.5 is needed to be maintained by every insurer as made compulsory by IRDAI. The solvency ratio becomes vital in case of natural disasters which, although seems unlikely to happen, could compromise your family\u2019s financial stability if disregarded.<\/li>\r\n<li><strong>Income Benefit:<\/strong>\u00a0Your family members are enabled to receive a regular income instead of a lump sum amount from some term insurance plans. It should also be taken into account whether the insurance cover will continue without the need to pay the premium in case of permanent disability.<\/li>\r\n<\/ol>\r\n\t\t<div class=\"wp-faq-schema-wrap wp-faq-schema-accordion\">\n\t\t\t\t\t\t\t<h2><span class=\"ez-toc-section\" id=\"FAQs_related_to_Term_Insurance\"><\/span>FAQs related to Term Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\t\t\t\t\t\t<div class=\"wp-faq-schema-items\">\n\t\t\t\t\t\t\t\t\t<h3><span class=\"ez-toc-section\" id=\"1_Can_I_change_the_premium_paying_term_for_term_insurance\"><\/span>1. Can I change the premium paying term for term insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>No, it is as per the initial agreement given in the schedule.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3><span class=\"ez-toc-section\" id=\"2_Is_term_insurance_premium_refundable\"><\/span>2. Is term insurance premium refundable?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>Yes, if you buy return of premium plan which is almost double the premium than a standard product where premium is not refunded.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3><span class=\"ez-toc-section\" id=\"3_What_happens_to_the_premium_on_the_term_policies\"><\/span>3. What happens to the premium on the term policies?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>It contributes to the claims paid in the duration, that is how insurance works - many contribute for the benefit of few.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3><span class=\"ez-toc-section\" id=\"4_What_is_the_premium_payment_term_in_term_insurance\"><\/span>4. What is the premium payment term in term insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>All versions are available - Single, limited and regular but the regular premium is most economical and advisable.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3><span class=\"ez-toc-section\" id=\"5_What_happens_if_a_return_of_premium_term_policy_is_not_held_to_the_end_of_term\"><\/span>5. What happens if a return of premium term policy is not held to the end of term?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>You get a surrender value.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3><span class=\"ez-toc-section\" id=\"6_What_is_a_limited_pay_premium_payment_option\"><\/span>6. What is a limited pay premium payment option?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>You pay the premium for a limited duration for the chosen cover period for example you pay for 6 years and remain covered for 20 years.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3><span class=\"ez-toc-section\" id=\"7_Who_has_the_right_to_change_the_premium_mode\"><\/span>7. Who has the right to change the premium mode?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>The customer has the choice to select the mode from monthly\/quarter\/Half-year and Annual.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3><span class=\"ez-toc-section\" id=\"8_Which_premium_payment_mode_is_most_expensive\"><\/span>8. Which premium payment mode is most expensive?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>Monthly where you pay 8% more than the annual premium. So you pay Rs 108 in monthly mode, Rs 106 in HY mode and Rs 104 in Qtr mode.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3><span class=\"ez-toc-section\" id=\"9_What_happens_if_I_stop_paying_my_term_life_insurance\"><\/span>9. What happens if I stop paying my term life insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>Your contract is over and your cover terminates.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3><span class=\"ez-toc-section\" id=\"10_Can_I_increase_the_tenure_of_my_insurance_policy\"><\/span>10. Can I increase the tenure of my insurance policy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>No, you can't increase the tenure of your insurance policy.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\r\n","protected":false},"excerpt":{"rendered":"<p>The term insurance plan is a device by which we can ensure that our family members get financial protection in case something unexpected happens to us. Most\u00a0term insurance plans\u00a0are customized to fit a variety of situations and offer necessary solutions.&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-choose-best-term-insurance-plan-in-india-for-yourself\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":680,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[19],"tags":[],"class_list":["post-679","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-term-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>8 Factors to keep in mind to choose the right Term Insurance Plan<\/title>\n<meta name=\"description\" content=\"Looking for the best term insurance in India? 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