Insurance categories · Life Insurance
Term Plans with Return of Premiums
Term insurance that returns all premiums if you survive the policy term.
Policy Adda facilitates insurance products from authorised insurers. Coverage, benefits, exclusions, terms, conditions and premiums vary by insurer and plan. Please read the policy wording carefully before purchasing.
Provider lines shown above are informational. No official partnership with these insurers is claimed unless separately confirmed.
About this policy concept
Term plans with Return of Premium provide term insurance benefits along with a maturity benefit. If you survive the policy term, all premiums paid are returned.
Key benefits
- Death benefit protection
- Return of premiums on survival
- Tax benefits under 80C and 10(10D)
- Higher sum assured options
Eligibility
- Individuals aged 18 to 65 years
Coverage
- Death benefit
- Return of premiums
- Accidental death benefit (rider)
Important exclusions
- Suicide within first year
- Claims from misrepresentation
Required documents
- Identity proof (Aadhaar/PAN)
- Previous policy copy
Disclaimer: Final policy benefits, premiums, coverage, eligibility, and exclusions depend on the applicable insurer and policy documentation. This is an informational summary - not a policy document. Please contact Policy Adda for assistance before purchasing.