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4 Steps to Buy Life Insurance Plan With Your Smartphone

2-August-2021 |

Ever since the world has been in the clutches of the pandemic, our lives have been upended. It has transformed not just the way we look at things but also how we buy them. The case of insurance has not been very different either. From the onset of Covid-19, most insurance companies have used all their resources to help customers make informed decisions about buying insurance. There has been a manifold increase in the purchase of insurance products digitally.

This increase can be clearly seen in the sale of life insurance products online. People are not just realising the benefits of life insurance but are also getting over the myth that to buy life insurance online, lengthy paperwork is required. When the world is normalising digitisation, why should it be any different when buying an online life insurance plan?

 

Can you purchase a life insurance online policy?

Yes, absolutely. Buying life insurance online is not just possible. It is also extremely simple and quick. In the safety and comfort of your home, you can compare, buy, and renew your term plan or any other kind of life insurance. You can simply buy Tata AIA Life Insurance’s Term Insurance Plan online.

 

How do I purchase life insurance with my smartphone?

In Covid times, when everyone is staying indoors and avoiding meeting outsiders as much as possible, you may have often thought to yourself, “Can I buy life insurance without an agent”? The answer is, yes, you can!

 

When you make up your mind to buy life insurance online, you do not need to visit the company office, and you also do not need to call an agent home. From comparing different insurance plans, their features, and premium prices to buying the best plan available can all be done with a few clicks on your smartphone.

 

Whenever you are ready, use your smartphone to connect to the insurance company’s website, www.tataaia.com.

You are advised to keep the following documents handy when buying the policy on your smartphone. 

 

  • A government-issued photo ID card-Aadhar Card, Voter’s ID Card.

  • Age Proof.

  • Income Proof.

  • Address Proof.

  • Income Tax* Receipt.

  • Pre-policy Medical Test Report, if required.

 

Now, let us look at the simple steps to follow when you want to buy life insurance online instantly or later at your convenience.

 
 
  • Step 1

    Once you reach the company page, go to the page named life insurance/term plans. Now, you can browse through the different plans available. Make sure you read the policy documents carefully.

    If you are in the initial stage of exploring the right insurance policy for yourself, you can use your mobile phone to log into the official website of Tata AIA Life Insurance to compare a few policies. When you make a selection, you need to generate a quote.

  • Step 2

    Many insurance plans come with the option of add-ons. On your phone, you will be able to see the list offered with the plan you have selected.

    Once you see the quote and are satisfied with it, you will be asked to fill in an application form containing basic details, such as name, age, gender, and contact information. At this stage, you may be asked to attach the documents mentioned above.

  • Step 3

    Once you are sure about the plan you want, you need to pay. The payment can be made through:

    • Netbanking

    • Credit/ Debit card

    • Mobile Wallets

    • UPI

 

Some insurance companies allow you to click a picture of the listed documents and upload it on their WhatsApp business number.

If a medical screening is required, you will be contacted by the company, and the investigation will be carried out at your convenience.

 

  • Step 4

    After the underwriting procedures are completed, you will receive the policy document. Most life insurance plans come with a free-look period of 15-30 days. If you are not satisfied with the purchase, you may be allowed to return it. 

 

Most people from all walks of life now prefer to buy online insurance plans through their phone, computer, or laptop. It not only helps them clearly understand the multiple aspects of the plan that they are looking at but also allows them to decide at their own pace.

 

When looking for life insurance options, it is recommended that you go through Tata AIA Life Insurance products. The web page is extremely user-friendly and allows you better control over the purchase you make. The website makes it easy for you to understand each plan before you finalize buying life insurance online. With TATA AIA Life Insurance, you can enjoy a hassle-free and paperless insurance buying experience of your Tata AIA Term Insurance Plan online.

 

Remember

When you buy a life insurance online policy, there are numerous benefits that you can avail of. However, you need to be careful as there are several options available. Do not feel overwhelmed by the choices you have. Instead, chalk out your requirements and check the plan you need. It is important that you compare different plans and the features they offer.

 

Picking a plan only because it is the cheapest may not be a very wise idea. A lower premium often reflects a lower coverage. Look for a comprehensive life insurance plan that would adequately fulfil your family’s requirements in your absence. Make it a thumb rule to know the product you buy and understand its aspects so that there are no regrets later. 

 

People also ask:

  1. Can you purchase life insurance online?

  2. Can I buy life insurance without an agent?

  3. How do I purchase life insurance with my smartphone?

 
L&C/Advt/2021/Jul/1248 

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Tata AIA Life Insurance

A joint venture between Tata Sons Pvt. Ltd. and AIA Group Ltd. (AIA),  Tata AIA Life Insurance  is one of the leading life insurance providers in India. We post everything you need to know about life insurance, tax savings and a variety of lateral topics such as savings and investments in this space. You can access and read a host of different blogs, articles and pages at the Tata AIA Life Insurance Knowledge Center or get in touch with us with any queries or questions!

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Disclaimer
  • Insurance cover is available under the product.

  • The products are underwritten by Tata AIA Life Insurance Company Ltd.

  • The plans are not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.

  • For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.

  • This blog is for information and illustrative purposes only and does not purport to any financial or investment services and do not offer or form part of any offer or recommendation. The information is not and should not be regarded as investment advice or as a recommendation regarding any particular security or course of action.

  • Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company.

  • Every effort is made to ensure that all information contained in this blog is accurate at the date of publication, however, the Tata AIA Life shall not have any liability for any damages of any kind (including but not limited to errors and omissions) whatsoever relating to this material.

  • *Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment of conditions stipulated therein. Income Tax laws are subject to change from time to time. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implications mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.