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25 Lakh Term Insurance
Life is full of surprises, some of which are happy and others of which are challenging. You do, however, want your family to remain financially stable ... no matter what. A straightforward and reasonably priced way to guarantee their future security is to purchase a 25-lakh term insurance policy.
Get 15% digital discount on first year premium
Get 15% digital discount on first year premium
What is a 25 Lakh Term Insurance?
Imagine a safety net, one that’s designed to catch your loved ones if life takes an unexpected turn. A 25 lakh term insurance plan does that. It’s a life insurance policy that promises your family ₹25 lakh in exchange for your life during the policy term. This amount may be useful to cover fixed expenses, children’s education, or repayment of loans.
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::
This plan ensures your family's needs are met, even in your absence.
Financial Security:
Whether it’s a home loan or credit card debt, this coverage ensures your loved ones won’t have to carry the financial burden.
Debt Relief:
You get substantial coverage at premiums that won’t break the bank, giving you peace of mind at a reasonable cost.
Affordable Protection:
With options to add riders like critical illness or accidental death benefits, your plan can adapt to your unique needs.
Flexibility:
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.
Our Best-Selling Term Insurance Plans
Tata AIA
Sampoorna Raksha Promise
Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN:110N176V03)
Tata AIA
Maha Raksha Supreme Select
Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V06)
How Does 25 Lakh Term Insurance Policy Work?
Here’s how a 25-lakh term insurance policy operates to give you peace of mind:
Choose Your Plan
You decide on the coverage amount (₹25 lakh) and the policy term that suits your life stage and goals.
Pay Premiums
Choose from regular payments (monthly, quarterly, or yearly) or a one-time lump sum option, based on what’s convenient for you.
Life Cover Protection
Throughout the policy term, your family is secured with the sum assured.
Claim Process
In the event of your passing, your nominee files a claim, and the benefit is disbursed to the nominee.
End of Policy Term
If the term ends and you are still with your loved ones, you can feel proud knowing you’ve safeguarded their future during critical years.
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 under Sections 80C and 10(10D) of the Income Tax Act.
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.
1.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.
2.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:110N176V03)
- Tata AIA Maha Raksha Supreme Select - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V06)
- *Illustrated Premium is the monthly premium excluding taxes for 20 yr. old female, Standard Life, Non-Smoker for ₹ 1 Cr. Sum Assured with Policy Term of 20 yrs. (Regular Pay) under Life Promise Option with first year premium discount for digital purchase and salaried person. Please refer Benefit Illustration for more details. Premium is subject to applicable taxes, cesses & levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium. Tata AIA Life shall have the right to claim, deduct, adjust, recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy. Kindly refer the sales illustration for the exact premium.
- ##Illustrated Premium is the monthly premium excluding taxes for 20 yr. old female, Standard Life, Non-Smoker for 2 Cr. Sum Assured with Policy Term of 15 yrs. (Regular Pay) with Life Secure plan option. Please refer Benefit Illustration for more details. Tata AIA Life shall have the right to claim, deduct, adjust, recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy. Kindly refer the sales illustration for the exact premium.
- ~Under 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.
- 2Individual Death Claim Settlement Ratio is 99.13% for FY 2023-24 as per the latest annual audited figures.
- 8Tata AIA Sampoorna Raksha Promise offers first year digital discount of 1% for Single Pay, 10% for Limited Pay/Regular Pay.
- 11This product offers first year discount of 5% for Limited Pay/Regular Pay and 1% for Single Pay to salaried customers.
- ^This product offers first year digital discount of 10% and first year Salaried discount of 5% for Limited Pay/Regular Pay. For Single Pay, 1% digital discount and 1% salaried discount will be provided in the first year.
- This product is underwritten by Tata AIA Life Insurance Company Ltd.
- The 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.
- 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 non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines.
- L&C/Advt/2025/Feb/0429
