Term life insurance that protects your family’s income
Term insurance pays a large sum to your family if you die during the policy term. It is the lowest-cost way to buy high life cover — ₹1 crore or more — so your family can repay loans and keep their standard of living.
Riders you can add
| Rider | What it adds |
|---|---|
| Accidental death benefit | An extra payout if death is caused by an accident. |
| Critical illness | A lump sum on diagnosis of a listed serious illness. |
| Waiver of premium | Future premiums are waived on disability or critical illness. |
| Terminal illness | Part of the cover paid early on diagnosis of a terminal illness. |
What is covered
What is not covered
Covers and exclusions vary by insurer and plan; the policy wording applies.
Making a claim
How a claim works with Kreeva
Inform us
The nominee calls or messages us with the policy details.
Claim form
We help complete the insurer’s claim form.
Documents
Death certificate, ID and bank details, plus others the insurer asks for.
Payment
We follow up until the insurer pays the nominee.
Term life insurance — questions
How much term cover do I need?
A common guide is 10–15 times your yearly income, plus outstanding loans. We work out the right figure for your family.
Why does disclosure matter so much?
Claims are rejected most often because smoking, illness or other facts were not declared. We make sure the application is complete.
Is the premium tax-deductible?
Premiums qualify under Section 80C and the payout to your family is generally tax-free under Section 10(10D), subject to current tax rules.
Not sure which plan fits? Ask an advisor.
Free consultation. No obligation to buy.