Term Insurance

Investment Plans

All Plans

Calculator

Customer Service

Fund Performance

25-Year Term Insurance

A lot can happen in 25 years. Your kids will grow up, your home loan will (hopefully) be paid off, and your career might take unexpected turns. In between all that,." Read more financial responsibilities won’t take a break. That's where a 25-year term life insurance policy fits in—it's not short enough that you'll outgrow it, and not long enough that you'll feel trapped for the rest of your life. It's the type of protection that makes sense for individuals who wish to have protection during their most financially stressful years without being locked in for a lifetime.
But is it right for you? Let’s break it down.Read Less

Term insurance is a type of life insurance policy that provides financial protection for a specified period, known as the "term." Read more if the policyholder passes away during this term, the beneficiaries receive a death benefit
Term insurance is affordable, making it an attractive option for individuals seeking high coverage at low premiums. Key features include flexible policy terms (e.g., 10, 20, 30 years), optional riders^@, and tax benefits under Section 80C of the Income Tax Act.Read Less

Get 18.5% discount on first year premium¹⁴

NRI?

Yes

+91

4.4

Rated by 42,263 customers

Only certified Tata AIA experts will call you

What is a 25-Year Term Insurance Plan?

A 25-year term insurance is a life cover for 25 years, which guarantees that if anything untoward happens to you during this period, your family receives a lump sum amount. It's a no-frills policy—no investments, no maturity benefits (except if you opt for a return-of-premium policy), just plain financial security for your family.

Why Choose a 25-Year Term Insurance Plan?

You’re probably wondering, why 25 years? Why not 10, 15, or 40? Well, here’s why people choose this plan:

Covers Your Peak Financial Years:
Most people’s biggest expenses—home loans, children’s education, retirement planning—span about 25 years.
Locks in Low Premiums Early:
The younger you buy, the lower your premium stays for the entire term.
Flexible Yet Long-Term Protection:
It’s the middle ground between shorter policies (which may require renewals) and lifelong coverage (which may feel excessive).
Great for Homeowners & Parents:
If you’ve got a mortgage or kids heading to college in the future, this plan ensures financial stability.

Our Best-Selling Term Insurance Plans

Tata AIA

Sampoorna Raksha Promise

Get ₹ 1 Cr Life Cover at ₹ 501/month^*
Upto 18.5% discount on first year premium¹⁴
Get 100% premium back^~

Calculate Premium Know More

Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN:110N176V05)

Tata AIA

Maha Raksha Supreme Select

Key benefits:

Get ₹ 2 Cr Life Cover at ₹ 692/month^##
Enhance protection with Education Secure for your children
· Upto 18.5% discount on first year premium¹⁴

Calculate Premium Know More

Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V08)

Who Must Plan for a 25-Year Term Insurance?

25-year term insurance plan suits persons who are:

In Their 30s or 40s

Cares for them through retirement age or nearly it.

Have Small Children

Protects them through times when they aren't supporting themselves.

Pay Back Long-Term Loans

When you're servicing a home loan of 20-25 years, it comes at a natural time.

Are Seeking Affordable Long-Term Coverage

Offers protection without committing you to a policy for 40+ years.

If your financial responsibilities are concentrated over the next two decades, this plan gives you security without tying you down for life.

How to Choose the Right 25-Year Term Insurance Plan?

Picking the right policy isn’t just about choosing a big sum assured. Here's what to keep in mind:

Claim Settlement Ratio: The higher the ratio, the greater the possibility of smooth payouts.

Premium Affordability: Ensure the premiums are comfortably affordable for 25 years.

Rider^@ Benefits: Riders such as critical illness cover, accidental death benefit, and waiver of premium can add value to your policy.

Sum Assured Calculation: Keep in mind your current income, liabilities, and future needs of your family.

Payout Options: Some policies offer staggered payouts instead of a lump sum; choose based on your family’s financial habits.

Factors That Affect Your Premium

Several factors determine how much you’ll pay for a 25-year term insurance policy:

Age: Younger policyholders get lower premiums.
Health & Lifestyle: Drinking, smoking, and previous medical conditions may drive up expenses.
Coverage Amount: The more the sum assured, the greater the premium.
Policy Add-Ons: Additional benefits like critical illness cover will bump up your premium.

A term insurance policy will cost you less at the age of 30 than the same policy purchased at the age of 40.

A 25-year term insurance plan is ideal if you want long-term security without being locked into an ultra-long policy. If you're in the market for a policy that is both affordable and will protect you for the long term, this may be the ticket.

1.What if I live longer than my 25-year term life policy?
Unless you have a return-of-premium option, the policy terminates with no payment.

2.Am I able to renew my policy after 25 years?
In most cases, no. You'll have to purchase a new policy, and it could be more costly based on your age.

3.Will my family be taxed on the payment?
No, the death benefit is usually exempt from tax under Section 10(10D) of the Income Tax Act.

Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V05)
Tata AIA Maha Raksha Supreme Select - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V08)
^*Illustrated premium of ₹608 is the monthly premium excluding taxes for a 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 and ₹501 is for the same modal point with first year premium discount of 10% for digital purchase and 8.5% for 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 20 yrs. (Regular Pay) with Life Secure plan option with first year premium discount for digital purchase and salaried person. 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.
¹⁴This includes first year digital discount of 10% for Limited Pay/Regular Pay and 8.5% salaried discount. For Single Pay, 1% discount will be available for online purchase and salaried discount each.
^{^}Rider 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.
^#Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment 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.
The plan is not a guaranteed issuance plan, and it will be subject to company’s underwriting and acceptance.
Insurance cover is available under this product.
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.