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25 Lakh Term Insurance

A 25 lakh term insurance plan offers life cover that can help your loved ones manage everyday expenses, outstanding liabilities and future... Read more financial commitments in your absence. With flexible policy terms, multiple premium payment options and optional riders6, it can be a practical protection solution for many individuals. Financial security starts with choosing a life cover that matches your budget and also family's needs. To fulfil them, a 25 lakh term plan can be a suitable choice. Read less

Affordable ₹25 lakh life cover

Up to 18.5% discount on first year premium¹

99.45% Individual Death Claim Settlement Ratio²

Option to get 100% premiums back^~

Get 15% digital discount* on first year premium

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What is a 25 Lakh Term Insurance?

A term insurance of 25 lakhs is a pure life insurance plan that provides a sum assured of ₹25 lakh to the nominee if the life insured passes away during the policy term, subject to the policy terms and conditions. Since it focuses primarily on life protection, it generally offers a higher sum assured at comparatively affordable premiums.

The policyholder pays premiums based on the selected payment frequency, policy tenure, age, health condition and other underwriting factors. Depending on the chosen plan, optional riders may also be added to enhance the overall coverage. Selecting an appropriate sum assured should always be based on your family's financial responsibilities, existing savings and future obligations.

Our bestselling Term Insurance plans

Tata AIA Sampoorna Raksha Promise

Tata AIA

Sampoorna Raksha Promise

Get whole life cover up to 100 years
Return of 100% premiums paid³
Get up to 18.5% discount on first year premium⁴

Calculate Premium

Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V13)

Tata AIA Maha Raksha Supreme Select

Tata AIA

Maha Raksha Supreme Select

Up to 18.5% discount⁸ (on 1^styear premium)
Waiver of premium if diagnosed with terminal illness⁵

Calculate Premium

Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V16)

Why Buy a 25 Lakh Term Insurance?

Investing in a 25 lakh term insurance plan is more than just a financial move. Here's why this plan might be ideal for you::

Financial Security:
This plan ensures your family's needs are met, even in your absence.
Debt Relief:
Whether it’s a home loan or credit card debt, this coverage ensures your loved ones won’t have to carry the financial burden.
Affordable Protection:
You get substantial coverage at premiums that won’t break the bank, giving you peace of mind at a reasonable cost.
Flexibility:
With options to add riders like critical illness or accidental death benefits, your plan can adapt to your unique needs.

For instance, think of Rohit, a young professional who invested in a 25 lakh term insurance plan. When unexpected medical bills hit his family, the policy’s benefits ensured they could manage without being compromised and unprepared. It’s stories like these that show the value of being prepared.

How Does 25 Lakh Term Insurance Policy Work?

A 25 lakh term insurance policy provides financial protection for a fixed policy term. After purchasing the plan, the policyholder pays premiums according to the selected payment option while the life cover remains active throughout the policy term, provided all policy conditions are met.

If the life insured passes away during the policy term, the insurer pays the ₹25 lakh sum assured to the nominee after the claim is verified. If the policy includes eligible riders6, the applicable rider benefits may also be payable according to the policy conditions. Depending on the plan selected, certain variants may offer additional features such as return of premium benefits.

Example:

Suppose Rohan, aged 32, purchases a term plan for 25 lakhs with a policy term of 30 years. He chooses annual premium payments and nominates his spouse as the beneficiary. If Rohan passes away during the policy term, the insurer pays ₹25 lakh to his spouse after completing the claim assessment, helping the family manage household expenses, outstanding loans and other financial responsibilities. If the plan includes eligible riders, additional benefits may also apply according to the policy terms.

Choose Your Plan

Begin by selecting a policy that matches your financial responsibilities, desired policy tenure and preferred premium payment option. Compare available features, optional riders and policy conditions before making a decision to ensure the cover aligns with your long-term protection needs.

Pay premiums

Once the policy is issued, premiums must be paid according to the chosen payment frequency, such as monthly, quarterly, half-yearly or annually. Timely premium payments help keep the best term insurance plan for 25 lakhs active throughout the selected policy term.

Life cover protection

During the policy tenure, the insurer provides life cover of ₹25 lakh. If the life insured passes away while the policy remains in force, the nominee receives the applicable death benefit according to the policy terms and conditions.

Claim process

The nominee informs the insurer about the claim, submits the required documents and completes the claim formalities. After verifying the claim and confirming policy eligibility, the insurer processes the payout as per the policy conditions.

End of policy term

Once the selected policy term ends, the life cover also comes to an end. Depending on the policy variant selected, certain plans may provide additional benefits such as return of premium, while standard term plans generally conclude without a maturity benefit.

This straightforward yet effective plan is designed to work when your family needs it most.

What Advantages Does Rs. 25 Lakh Term Insurance Offer?

The following explains why selecting a 25 lakh term insurance plan might have a significant impact:

Complete Protection:

Your family's financial demands will be met if you have a sizable sum assured.
Cost-Effective:

Significant coverage at affordable rates makes it accessible for individuals across different income levels.
Enhanced Coverage Options:

Add riders for critical illness, accidental death, or waiver of premium to make your policy even more robust.
Tax Benefits:

Save on taxes with deductions Schedule I & II of the Income Tax Act.

What are the 25 lakh term insurance premium payment options?

Most insurers offer multiple premium payment options with a 25 lakh term insurance plan, allowing policyholders to choose a payment schedule that suits their income and financial commitments. Selecting the right option can help maintain uninterrupted coverage throughout the policy term.

Regular pay
: Under the regular pay option, premiums are paid throughout the entire policy tenure. This option spreads the cost over a longer period, making it suitable for individuals who prefer manageable and consistent premium payments during their working years.
Limited pay
: A limited pay option allows you to complete premium payments within a shorter period while enjoying life cover for the full policy term. This can be suitable for individuals who expect their financial commitments to change after retirement or other life milestones.
Single pay
: With the single pay option, the entire premium is paid as a one-time payment at the beginning of the policy. Once the payment is made, no additional premiums are required, while the policy remains active for the selected tenure.
Flexible payment frequency
: Many insurers also allow policyholders to select how often premiums are paid. Depending on the policy, payments can usually be made monthly, quarterly, half-yearly or annually, providing flexibility to align with individual cash flow preferences.

How Do I Pick a Term Insurance Plan for Rs. 25 Lakhs?

Making the correct strategy choice is essential. Here's how you can make an informed choice:

Evaluate Your Needs

Consider your family’s current and future financial requirements, including expenses, loans, and education costs.

Compare Plans

Check different policies for premium rates, benefits, and flexibility. Look for one that offers the most value.

Think About Add-Ons

Add riders for critical illness, accidental death, waiver of premium, or choose term insurance for critical illness to make your policy even more robust.

Understand the Terms

Read the fine print to ensure you’re clear about what’s included and excluded.

Taking these steps will help you choose a policy that aligns perfectly with your goals.

Who should buy Rs. 25 lakh term insurance plan?

A term insurance plan for 25 lakhs can be suitable for individuals looking for moderate life cover based on their financial responsibilities and long-term protection needs.

Young professionals:

Individuals starting their careers may choose this cover to create an early financial safety net for their families while benefiting from relatively affordable premiums at a younger age.
Individuals with limited financial liabilities:

People with modest household expenses, fewer dependants or lower outstanding loans may find a term insurance 25 lakh plan appropriate after assessing their family's future financial requirements.
Self-employed individuals:

Business owners, consultants and freelancers who contribute to household income can consider this cover to help provide financial support for their family if an unforeseen event occurs during the policy term.
Parents with growing families:

Parents looking to provide financial protection for their spouse or children may consider this cover to help meet household expenses, education costs or other essential financial responsibilities.
Individuals seeking affordable life cover:

Those looking for basic life protection at comparatively lower premiums may consider a term insurance of 25 lakhs as a suitable starting point while reviewing their insurance needs periodically.

How to buy the 25 lakh term insurance plans?

Buying the best term insurance plan for 25 lakhs involves evaluating your financial needs, comparing available plans and completing the insurer's application process accurately.

Assess your coverage requirement
: Estimate your family's future expenses, existing liabilities, current savings and long-term financial responsibilities to determine whether a ₹25 lakh sum assured is suitable for your needs.
Compare available plans
: Review policy features, premium amounts, claim settlement record, policy tenure, exclusions and available riders before selecting a plan that aligns with your financial objectives.
Select the policy term and payment option
: Choose a policy tenure that matches your financial responsibilities and select a premium payment option that fits comfortably within your budget and income pattern.
Complete the application form
: Provide accurate personal, financial, health and nominee details while filling out the proposal form. Complete disclosures help the insurer assess the application efficiently.
Undergo medical examination
: Depending on your age, health profile and the insurer's underwriting guidelines, you may be required to complete a medical examination before the policy is issued.
Review the policy and make payment
: Read the policy document carefully to understand the coverage, exclusions, waiting periods and applicable conditions. After reviewing the details, pay the premium to complete the purchase process.

Conclusion

A 25 lakh term insurance plan can help provide financial protection for your loved ones by offering life cover that supports essential expenses and outstanding financial obligations during difficult times. Selecting an appropriate sum assured, policy term and premium payment option after assessing your financial responsibilities can help ensure the cover remains relevant to your needs. Comparing policy features, understanding the terms and reviewing your coverage periodically can also support informed long-term financial planning.

What are the eligibility criteria to purchase a ₹25 Lakh term plan?

Applicants must meet the insurer’s age, income, and health requirements, usually ranging from 18 to 65 years.

What is the premium amount for a term plan offering coverage of ₹25 Lakh?

Premiums depend on factors like age, health, tenure, and riders^. Use online calculators for precise estimates.

Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V13)
¹As per the duly approved product design and terms & conditions of the product, this product offers first year discount of 8.5% for Limited Pay/Regular Pay and 1% for Single Pay to salaried customers & digital discount of 1% for Single Pay, 10% for Limited Pay/Regular Pay.
²Individual Death Claim Settlement Ratio is 99.45% for FY 2025-26 as per latest audited figures
³Under Life Promise Plus Option, an amount equal to the 100% of the Total Premiums Paid (excluding loading for modal premiums) shall be payable at the end of the Policy Term, provided the life assured survives till maturity and the policy is not terminated earlier.
⁴Not applicable under PoS, please refer sales brochure for more information.
⁵Inbuilt Payout Accelerator Benefit pays out 50% of Effective Sum Assured opted in case of a Terminal Illness diagnosis.
⁶Rider is not mandatory and is available for a nominal extra cost. For more details on benefits, premiums, and exclusions under the Rider, please contact Tata AIA Life's Insurance Advisor/ branch.
⁷Income 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 implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.
This product is underwritten by Tata AIA Life Insurance Company Ltd.
Insurance cover is available under this product.
In case of non-standard lives, extra premiums will be charged as per our underwriting guidelines.
This plan is 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. The precise terms and condition of this plan are specified in the Policy Contract.
To know more about the products, features, and eligibility, kindly visit our nearest branch or contact us at +91 22 6984 9300
Premium will vary depending on the option chosen.
Buying a Life Insurance Policy is a long-term commitment. An early termination of the Policy usually involves high costs, and the Surrender Value payable may be less than the all the Premiums Paid.
In case of POS variant, the product is available with/without medical underwriting as per BAUP (Board Approved Underwriting Policy)
L&C/Advt/2026/Sep/5125

25 Lakh Term Insurance

What is a 25 Lakh Term Insurance?

Tata AIA Sampoorna Raksha Promise

Tata AIA Maha Raksha Supreme Select

Why Buy a 25 Lakh Term Insurance?

Financial Security:

Debt Relief:

Affordable Protection:

Flexibility:

How Does 25 Lakh Term Insurance Policy Work?

Choose Your Plan

Pay premiums

Life cover protection

Claim process

End of policy term

What Advantages Does Rs. 25 Lakh Term Insurance Offer?

Complete Protection:

Cost-Effective:

Enhanced Coverage Options:

Tax Benefits:

What are the 25 lakh term insurance premium payment options?

Regular pay

Limited pay

Single pay

Flexible payment frequency

How Do I Pick a Term Insurance Plan for Rs. 25 Lakhs?

Evaluate Your Needs

Compare Plans

Think About Add-Ons

Understand the Terms

Who should buy Rs. 25 lakh term insurance plan?

Young professionals:

Individuals with limited financial liabilities:

Self-employed individuals:

Parents with growing families:

Individuals seeking affordable life cover:

How to buy the 25 lakh term insurance plans?

Assess your coverage requirement

Compare available plans

Select the policy term and payment option

Complete the application form

Undergo medical examination

Review the policy and make payment

Conclusion

FAQs on 25 Lakh Term Insurance

What are the eligibility criteria to purchase a ₹25 Lakh term plan?

What is the premium amount for a term plan offering coverage of ₹25 Lakh?

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