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Important: W.e.f 1st July 2017, GST will be levied on Life Insurance Premium as per the applicable tax rates. To know the rate that will be applicable to your specific policy please click here

How do term insurance plans help my family?

Term insurance plans are excellent instruments that come into play during times of financial uncertainty.

Money is important to us at every stage of life. It is idyllic to say 'Money cannot buy happiness'. But the fact of life is that money is needed to pay for necessities, contain one's hunger and also build a future on. Money may not buy happiness, but it can certainly provide the means to happiness.

This is especially true in times of financial instability brought on by loss of income. With no inflow of funds, the family cannot make its ends meet nor pay for such expense heads as children's education or urgent medical treatment. Ask yourself this: what happens if you are absent from your loved ones' lives in the future? Will your current level of savings and investments help them pay for their needs? Or do you need to do something extra to safeguard their future?

If you think you need to do something extra, let us recommend an excellent course of action: take a term plan. It will keep your family safe and protected even in your absence.

Why term insurance?
Because it provides a large corpus of money on the unfortunate demise of the policy holder. The biggest advantage of term insurance plans is one pays very affordable premiums on them, while the sum assured is a big amount of money. The policy is valid for the tenure of the plan, and its benefits are offered only on the unfortunate demise of the policy holder. If the policy holder survives the plan term, the policy is terminated at that point and there are no maturity benefits offered.

It is simple enough to buy an online term plan, with most insurers not insisting on a medical test before deeming the policy active. One can calculate the premium payable by using a term insurance premium calculator. The term plan calculator computes the premium to be paid vis-à-vis the desired sum assured and the tenure (term) of the plan.

If you are on the lookout for a suitable term insurance policy, we recommend considering the excellent range of term plans from Birla Sun Life Insurance (BSLI). BSLI has four term policies that cater to a range of needs – in brief, see the plans and their prime benefits:
BSLI Protector Plus Plan:
It not only provides a sizeable corpus for your family's future, but also rewards you for maintaining a healthy lifestyle.
BSLI Future Grand Plan:
Unlike conventional term plans, this offering provides both a death benefit and a maturity benefit. The maturity benefit is calculated basis the tenure of the plan, the sum of the premiums paid and the applicable percentage as per the type of plan chosen. You can also enhance the policy coverage during the plan tenure.
BSLI Easy Protect Plan:
Taking this plan entitles you to receiving constant and increasing term cover. It is a traditional term policy that offers a death benefit and a single-pay surrender benefit.
BSLI Protect@Ease Plan:
This plan offers annual or monthly premium paying modes, with a maximum high sum assured of Rs 500, 00, 00,000.
Buy Term Insurance Online
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Registered Office: One Indiabulls Centre Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013. CIN: U99999MH2000PLC128110 Registration No. 109.


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