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25K Salary Term Insurance Plan

A 25K salary term insurance plan offers important financial protection for families with a monthly income of ₹25,000. It is also a good time to begin... Read more building financial security for your family. A 25K salary term insurance plan lets you secure your loved ones’ future with a small premium, even when your income is limited. Also, as your career grows and you get your first appraisal, this becomes the perfect time to invest methodically. With term insurance, your family doesn’t suffer financially if you’re not around to support them. Read less

A 25K salary term insurance plan offers important financial protection for ... Read more families with a monthly income of ₹25,000. It is also a good time to begin building financial security for your family. A 25K salary term insurance plan lets you secure your loved ones’ future with a small premium, even when your income is limited. Also, as your career grows and you get your first appraisal, this becomes the perfect time to invest methodically. With term insurance, your family doesn’t suffer financially if you’re not around to support them. Read less

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Get Life Cover of ₹1 Crore by paying a premium of

₹7,085/month (for 30 years)

₹8,287

saving Save ₹1,202 with discounts

₹ 4.2 Lakh

₹ 1 Crore

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You Get (Life Cover)

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Discounts

2% Milestone discount

2% discount on 1st year premium on these milestones

Event	Eligibility
Wedding (1 wedding only)	Within 6 months before or after the date of wedding
Birth/ Adoption of 1^st child*	Within 6 months before or after the birth/ adoption date
Home loan	Within 6 months of loan getting sanctioned
First job	Within 6 months of joining date

*Policy issuance eligibility for female customers will be determined by Board Approved Underwriting Policy (BAUP)

The above milestones cannot be clubbed to avail more discount, Such discount shall be capped to a maximum of ₹500 over the year.

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Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN:110N176V11)

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Get ₹1 Crore Life Cover
@₹501/month¹

Up to 18.5% discount² (1^st year premium)
Return of premium³ option
4 hour claim settlement⁴

⁴T&C apply

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What is the importance of term insurance for 25K salary?

For someone earning ₹25,000 per month, term insurance plays a key role in managing financial risk. Term insurance provides you with adequate life coverage at a very affordable cost. In case the policyholder dies during the term of the policy, then the nominee will receive the sum assured, which can help the family with basic costs of living, children’s education, repayment of EMIs, and outstanding loans. Term plans are also flexible, as you can add riders⁶ such as accidental death or critical illness cover. Under the old tax⁵ regime, premiums may qualify for deductions under Section 80C, and certain riders⁶ may offer benefits under Section 80D.

What are the benefits of term insurance for individuals earning 25K?

A term insurance plan for 25k salary offers various benefits, some of which are as follows:

Easy access
Many insurers offer online buying, premium calculators, and instant comparisons. This makes it simple for 25K earners to buy a plan without long processes.
Lower premiums
Term insurance is budget-friendly, so even a 25K salary can pay the premium without a financial burden. Some plans offer high cover at low monthly premiums, based on your age.
Tax saving
Term plan premiums may qualify for tax⁵ deductions under Section 80C in the old regime. The claim amount may also qualify under Section 10(10D).
Financial protection
If you pass away unexpectedly, term insurance supports your family financially. This can help them continue their lifestyle and handle essential expenses smoothly.
Peace of Mind
Once a term plan is active, you stay stress-free knowing your family can manage financially even if you’re not there to support them.
Flexible coverage
Term plans allow you to choose coverage based on needs like income replacement, loans, and future family goals. Riders⁶can also be added for extra safety.

Our bestselling Term Insurance plans

Choose a Tata AIA term insurance plan that suits your needs

Tata AIA

Sampoorna Raksha Promise

Get ₹1 Cr cover at 501/month¹
Up to 18.5% discount² (1^st year premium)
Option to get all premiums back³

Calculate Premium

Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN:110N176V11)

Tata AIA

Maha Raksha Supreme Select

Get ₹2 Cr life cover at 679/month⁷
Up to 18.5% discount2 (1^st year premium)
Waiver of premium if diagnosed with Terminal illness

Calculate Premium

Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V14)

How much should you invest if you earn 25k per month?

Experts often suggest keeping a life cover equal to 10–12 times your annual income. For example, if you earn ₹25,000 per month, your yearly income is ₹3 lakh, and your cover requirement may range from ₹30 lakh to ₹36 lakh. Many insurers offer term plans within this range with different premium levels, so you can choose the one that fits your needs and comfort. Premium depends on factors like your age, tenure, medical history, and lifestyle habits. You can use a term insurance premium calculator to get a clear estimate. With monthly premiums starting near ₹500, term insurance can be affordable even for 25K earners.

Factors to consider when choosing term insurance for 25K salaried individuals?

The following are the factors to consider when term insurance on 25k salary

Coverage amount
Choose life cover based on debts, monthly household costs, and long-term family responsibilities like education and rent.
Health and lifestyle disclosure
Share correct details about smoking, existing conditions, or high-risk jobs. This ensures correct premiums and smooth claim processing.
Tax benefits
Understand how Sections 80C and 80D apply under the old tax5 regime. This can reduce your tax burden over the policy term.
Family needs
Evaluate your family’s future needs, like living expenses, loans, and education. Confirm whether the payout amount is enough to cover all the expenses.
Policy term
Choose a term that covers your working years. It should at least last until retirement or until dependents become financially independent.
Premium affordability
Ensure the premium aligns with your monthly budget. Premiums usually stay fixed across the policy term.
Death claims paid ratio
Check if the insurer has a strong claim settlement track record for at least the last five years.
Extra protection through riders
Consider riders⁶ like accidental death or critical illness. These add enhanced protection beyond the base term plan.

Conclusion

A 25K salary does not mean you should delay financial protection. In fact, starting early can make term insurance more affordable and meaningful in the long term. A term plan creates a financial safety net for your family, which may help them cover various expenses in your absence. By choosing the right cover amount, policy term, and riders, you can secure your family’s future without draining your monthly budget.

How much term insurance can I get based on 25k salary?

You can consider term insurance coverage around 10–12 times your annual income, which may be ₹30–₹36 lakh for a 25K salary.

How long should the term insurance policy be for a 25K salary?

Choose a policy term that covers your earning years till retirement age, usually around 60 to 65 years.

Can I increase my coverage amount later with a Rs. 25 Lakh term plan?

Usually, insurers don’t allow increasing the sum assured in the same plan. You may need a new plan with high coverage.

How long should we pay for term insurance?

It depends on the payment option chosen. You can pay regularly for a number of years or choose single pay based on convenience.

Can I buy term insurance without a medical test on 25K salary?

Some plans may not require tests for low coverage amounts. However, medical checks depend on age, coverage, and insurer policy.

Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V11)
Tata AIA Maha Raksha Supreme Select - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V14)
¹As per the duly approved product design and terms & conditions of the product, illustrated premium of ₹501 is the monthly premium 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 of Tata AIA Sampoorna Raksha Promise with first year premium discount of 10% for digital purchase and 8.5% for salaried person. Please refer Benefit Illustration for more details.
²As per the duly approved product design and terms & conditions of the product, this 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.
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.
⁴Applicable to only non-early claims with more than 3 years of policy duration, non-investigation cases, up to Sum Assured of ₹50 Lakh. Applicable for branch walk in. Time limit to submit claim to Tata AIA Life Insurance is 2 pm on working days. Subject to submission of complete documents. Not applicable for ULIP policies and open title claims.
⁵Income 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.
No Goods and Service Tax shall be applicable on Individual life insurance products as per prevailing laws. Tax laws are subject to amendments from time to time. If any imposition (tax or otherwise) is levied by any statutory or administrative body under the Policy, Tata AIA Life Insurance Company Limited reserves the right to claim the same from the Policyholder.
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.
⁷As per the duly approved product design and terms & conditions of the product, Illustrated Premium of ₹679 is the monthly premium 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 of Tata AIA Maha Raksha Supreme Select with first year premium discount for digital purchase and salaried person.
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.
L&C/Advt/2026/Feb/0925