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35-Year Term Insurance

Thirty-five years. That's long enough to start a family, own a home, retire big loans, and grow wealth for old age. But what if the world has other plans somewhere Read morealong the way? That's precisely where a 35-year term insurance policy can help—a long-term financial security blanket that secures your family while you continue to build your life.
But is a 35-year term insurance policy suitable for you? Let's dissect it.Read Less

Get 18.5% discount on first year premium¹⁴

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What Is a 35-Year Term Insurance Policy?

A 35-year term insurance policy is a no-frills life insurance policy that gives you money security for 35 years. If you are involved in an accident or if you pass away within this timeline, your nominees are paid out in a lump sum, enabling them to meet bills, dues, and upcoming goals.

How Does 35-Year Term Insurance Work?

Select Your Coverage:

Choose a sum assured that protects your financial liabilities.
Pay Regular Premiums:

Monthly, quarterly, or annually, as per your convenience.
Stay Covered for 35 Years:

Your family is financially secure for the policy term.
No Payout If You Outlive the Policy:

Unless you have a return-of-premium option, the policy matures after 35 years without a maturity benefit.

A 35-year term insurance plan is a great choice for long-term coverage with no lifetime commitment of a whole life policy.

Why a 35-Year Term Insurance Plan?

Selecting a policy for 35 years may appear to be a long stretch, but there are some valid reasons why it's a wise decision:

Protects Your Most Important Financial Years:
The majority of an individual's largest financial burdens—home loans, education of children, retirement savings—cover a period of around 30 to 35 years.
Long-Term Cost-Effective Protection:
By fixing a premium in advance, you have cost-effective protection for several decades.
No Renewal Hassles:
As opposed to 10- or 15-year plans where you need to renew, this plan provides unbroken security.
Matches Loan Tenures & Retirement Plans:
If you’re paying off a home loan or planning to retire in 30-35 years, this plan aligns perfectly with your financial timeline.

For someone in their late 20s or early 30s, a 35-year term insurance policy ensures coverage until their late 60s—right when financial responsibilities start winding down.

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 Should Consider a 35-Year Term Insurance Plan?

A 35-year term insurance plan is ideal for:

Young Professionals in Their 20s or 30s

Secure a lower premium today for decades to come.

Newly Married Couples

Protect your partner financially for the long term.

Parents with Young Children

Covers their education and future expenses.

Homeowners with Long-Term Loans

Aligns the term of your mortgage or business loans.

Business Owners & High Net Worth Individuals

Gives financial security to dependents and business partners.

If you foresee significant financial burdens for the period of 30-35 years, this policy guarantees your loved ones are shielded regardless.

How to Select the Most Suitable 35-Year Term Insurance Plan?

The selection of a suitable 35-year term insurance policy is not merely choosing an enormous sum assured—it's to make sure that the policy caters to your long-term goals. Here are some things you should keep in mind:

Claim Settlement Ratio (CSR): A high CSR reflects that the insurer has a good reputation of settling claims.

Premium Affordability: Make sure the premium is affordable in the long term.

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

Payout Structure : Some policies provide staggered payouts as opposed to a lump sum, providing your family with financial stability over the long term.

Premium Payment Options: Opt for limited pay (pay for shorter duration but remain covered) or regular pay (stretched over the entire period).

Don't know how much insurance you need? Get an estimate using an online premium calculator.

Factors That Influence Your Premium

Your premium for your 35-year term insurance policy is calculated based on the following factors:

Age:

The lower your age, the less your premium.
Health & Lifestyle Choices:

Smokers and those with existing health issues can expect to pay more.
Sum Assured:

More cover costs more.
Policy Riders:

Including critical illness, disability, or accidental death cover adds to the cost.

A clever move? Purchase early. If you buy a 35-year policy in your 20s or early 30s, your premium will be much less than if you delay until your 40s.

A 35-year term life insurance policy hits just the right middle ground when it comes to price and extended protection. If you want a plan that fits your budget and offers security for decades without paying the premium price of a whole life policy, this may be the best option.

1.What if I outlive the 35-year term?
Unless you have a return-of-premium plan, there is no payment, and the policy just lapses.

2.Can I renew my policy after 35 years?
Most term insurance policies do not have renewal options, so you'd have to purchase a new policy
(which could be more expensive because of your age).

3.Will my family need to pay taxes on the payment?
No, the death benefit is generally tax-exempt 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.
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.