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Term Insurance

Term insurance that your family deserves

Enjoy up to 15%* discount on premiums with flexible payment options.

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Buy term insurance plans with up to 15%* discount

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Popular online term life insurance plans

    Protect what matters

    Term life insurance secures the future of your loved ones. Empower your family with a financial net in your absence.
    Security icon

    Security

    Get a lump sum payout to support your dependents’ financial needs in your absence.

    Premium icon

    Premium

    Higher coverage with lower premium, compared to endowment or money-back policies.

    Coverage icon

    Enhanced coverage

    Buy critical illness or accidental death add-ons for added protection.

    Customise your policy with add-ons

    Enhance your life insurance policy with add-ons for extra protection. Customise your coverage to maximise your benefits.

    Waiver of premium

    Keeps your policy active if you're unable to pay premiums due to illness or disability.

    Critical illness

    Critical illness rider provides additional coverage in case you're diagnosed with a serious illness like cancer or heart disease.

    Limited payment

    Pay premium for a shorter period while enjoying coverage for the entire policy term.

    Accidental death illustration

    Accidental death

    Offers additional payout in the event of death due to an accident.

    Return of premium

    Refunds all premiums paid if policyholder survives the policy term.

    Why do you need term insurance?

      We cover every policy type

      Term plan icon

      Term plan

      Coverage for a set period; pays a fixed amount if the insured dies during the term.

      Endowment plan icon

      Endowment plan

      Life cover with savings; offers fixed returns for future goals.

      Money back icon

      Money-back plan

      Periodic payouts with guaranteed sum to nominee if the policyholder passes.

      Whole life term icon

      Whole term plan

      Lifetime coverage up to age 100 with maturity or death benefits.

      Unit linked plan icon (ULIP)

      Unit-linked plan

      Combines insurance and investment with fund selection options.

      Why insure with us?

      Depend on the Jio Insurance brand and our simple insurance plans for worry-free coverages.
      • health icon

        Adequate cover

        We recommend the right cover amount as per your financial needs.

      • Plan icon

        Help to choose the best

        We help you choose plans from the reputable term life insurers.

      • Tax benefit icon

        Tax benefits

        Get tax benefit under Section 80C.

      Claims made simple

      Raising an insurance claim is easy now. Know how.

      Education

      How is Term Insurance Premium Calculated?
      Term

      How is Term Insurance Premium Calculated?

      Term insurance is the primary aspect of financial planning. Many people keep postponing their term insurance purchase without realising the importance. Amit, a 35-year-old software engineer in Bengaluru, considers himself financially savvy with a stable job, two kids and a growing investment portfolio. A recent conversation with one of his friends who survived a deadly accident made him think about the glaring gap in his financial planning. That is the need for term life insurance, which can secure his family in future if something unforeseen happens. Amit decided to avail of a term insurance coverage, thinking it would be a straightforward task. It was when he contacted the agent that he realised the challenges of understanding jargon, a lot of paperwork, and a push for expensive plans. That is when he turned to the internet in search of the best term insurance plan and was puzzled to see varying premiums quoted by different insurance companies. Let us explore how term insurance premiums vary, how they are calculated and how online tools can help you calculate premiums and compare policies.

      Term Insurance with Critical Illness Riders: What You Need to Know
      Term

      Medical Tests for Term Insurance: What You Need to Know Before You Sign the Dotted Line!

      When it comes to securing your family’s financial future, a term insurance policy is one of the smartest and most affordable options. It promises a substantial life cover at a relatively low premium, offering peace of mind that your loved ones will be financially protected even in your absence. But before an insurer hands over this protective financial umbrella, there's one crucial step involved: medical tests. At Jio Insurance Broking, we often get asked — “Why do I need to take medical tests for term insurance?” or “Which tests are required?” This blog breaks it down for you. Let’s explore why these tests are essential, what they include, and how they can actually benefit you in the long run.

      Purchasing Term Insurance Online
      Term

      Role of Term Insurance in Safeguarding Home Loans for the Self-Employed

      Amit Gulati, a 36-year-old freelance graphic designer with an irregular income, took a home loan to purchase a flat for his family. With no steady salary and other EMIs running, he knew the risk of default was high. Tragically, a sudden illness took his life two years later. Thankfully, Amit had bought a term insurance plan. The ₹75 lakh payout helped his wife clear the outstanding loan and ensured their home remained theirs, offering security in the face of loss.

      Top Term Insurance Policies Eligible for 80C Tax Benefits in 2025
      Term

      How Term Insurance Can Help with Estate Planning?

      Indian families hold wealth in various assets, including gold, property, stocks, and more. Transferring these assets to heirs is a legally complex and lengthy process without effective estate planning. Appointing nominees, writing a will, and setting up a trust can help reduce disputes among heirs. However, liquidity is one of the major concerns when transferring assets like property and gold that may not help heirs to meet immediate debt payouts and manage living expenses. Term insurance is an excellent tool that fills this gap and supports a smooth transfer of the legacy. Take the case of Vinay, an Entrepreneur based in Bengaluru passed away in his late 40s in an accident, leaving his family shattered both emotionally and financially. He had invested in multiple properties and also had made a will to distribute them among his spouse and children. However, it could not provide them with immediate cash to meet the living expenses, business debts and asset transfer expenses. Fortunately, he had purchased a term insurance policy with a significant cover of INR 2 Cr. The tax-free compensation received helped the family sail through this tough time, and without it, estate planning would have been incomplete.

      Term Insurance with Critical Illness Riders: What You Need to Know
      Term

      Term Insurance with Critical Illness Riders: What You Need to Know

      Mr. Gupta is a 40-year-old banker, father of two, and the primary earning member of the family. A busy schedule, a stressful work environment and health had always taken a back seat. What shook him and his family was the unexpected and sudden diagnosis of stage II cancer. While he had a basic term insurance policy and employer-sponsored health insurance coverage, costly treatments took a toll not only on his emotional health but also on his financial health. They had to sell some of their assets and liquidate savings for the prolonged treatment. Had he opted for a critical illness rider with a term insurance plan, the financial burden of the journey to recovery would have been eased. Like Mr. Gupta, many Indians make the mistake of not availing the game-changing rider while customising their term insurance plan. Let us learn more about the critical illness rider that comes with a term insurance policy.

      How to choose term insurance
      Term

      Understanding the Waiver of Premium Feature in Term Insurance

      Imagine you’ve done the responsible thing — bought a term insurance policy to protect your family’s financial future. But what happens if life throws a curveball and you’re unable to continue paying premiums due to a critical illness or a permanent disability? Does your policy lapse just when you need it the most? This is where the Waiver of Premium in Term Insurance comes in — a smart rider that keeps your protection intact even if you can’t pay the premiums anymore. In this article, let’s break down what this rider is, how it works, and why it could be a crucial part of your financial planning — especially when you choose a policy with Jio Insurance Broking, a trusted name in making insurance simple and accessible.

      Hear it from our customers

      When it comes to customer service, don't just take our word for it.
      “The online quote system was simple to use with clear options. The additional options are well laid out and explained on the website, so I knew exactly what I could buy and compare to what I want. Hence renewed my two-wheeler policy online without any trouble. Excellent website”
      avatar
      Chirag Lukka

      IT Manager

      I renewed my health and motor policy on icicilombard.com and it was a seamless experience. On my previous policy, I had registered a claim last month and I was pleasantly surprised with the claim settlement process. It was extremely hassle free and quick.
      avatar
      Abhishek Gupta

      Program Manager

      Extremely happy. Very satisfied with your express settlement of claims. My experience with you is unique as compared with others. I wish your company a very bright and prosperous future. Thank You!
      avatar
      Amit Khandewal

      Product Manager

      Buying car insurance has never been so easy. It just took me 5 minutes to buy the policy. Very easy and quick. Will recommend it to everyone.
      avatar
      Dr. Rupa Jha

      Operations Manager

      “The multiple options from various Insurers under one roof was helpful and gave me the confidence that I am opting for the right product as required. Excellent support provided by your advisor.”
      avatar
      Kunal Sharma

      Security Manager

      “Renewing my Car insurance from Jio Insurance Broking was a great experience. Overall experience was really good and I was able to complete my transaction in just 5 minutes. I recommend everyone to buy from Jio Insurance Broking Limited.”
      avatar
      Jamnadas Bhalani

      Development Manager

      “Buying ICICI Lombard car insurance from Jio Insurance Broking is great. It just took me 5 minutes to buy a policy online. Very easy and user friendly. Will recommend it to everyone.”
      avatar
      Vikas Priydarshai

      Blockchain Developer

      “The team handled my renewal query and process very smoothly. They also convinced me to go for a personal cover policy which I am happy to opt for. They are a good asset to the team.”
      avatar
      Kunal Chavda

      IoT Specialist

      “Extremely happy. Very satisfied with your express settlement of claims. My experience with you is unique as compared with others. I wish your company a very bright and prosperous future. THANKS ICICI LOMBARD”
      avatar
      Leena Vaddella

      Artificial Intelligence Engineer

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          Frequently asked questions (FAQs)

          Any person who is 18 years or more can purchase term insurance policy, which has to be as per the conditions of the Indian Contract Act 1872.

          Premium paying term is the number of years for the insured/policyholder to pay the premium.

          Term Insurance policies act as a safety net for the family. You can get a huge amount of life cover (i.e. the sum assured) at a comparatively low premium.

          Riders are optional, extra terms that go into effect along with your basic policy, at an additional cost. Simply put, a rider provides additional coverage and added protection against risks.

          The term insurance coverage amount should be enough to support your family financially after you. It is recommended to have life cover of at least ten times of your annual income.

          Jio Insurance Broking Ltd

          Jio Insurance Broking Limited
          IRDAI License No: 347,
          Direct Broker (Life & General),
          Valid upto: 11/03/2028
          (Renewable)

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          customer.care@jioinsure.in
          Toll-Free Number
          18008898730

          (9.30 AM - 6.30 PM, Monday to Friday)

          CIN

          U67200MH2006PLC165651

          Registered office address

          1st Floor, Building - 4NA, Maker Maxity, Bandra Kurla Complex, Bandra East, Mumbai, Maharashtra - 400051

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          Discount is offered by the insurance company as approved by IRDAI for the product under file & use guidelines.

          Insurance is a subject matter of the solicitation. For more details on policy terms, conditions, exclusions, limitations, please refer/read policy brochure carefully before concluding sale.

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