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Things to Know About Reviving a Lapsed Term Insurance

When a life insurance policy provides insurance coverage for a person for a duration of time or pre-defined term of years, it is called term insurance. In the event of the demise of the insured during this term, their nominee is eligible to receive the death benefit. Cost-wise, when compared to permanent life insurance, term insurance is less expensive. Also, unlike accumulating cash benefits attached to a permanent life insurance product, a term insurance product may not have a cash value. The only value that is guaranteed out of it is the death benefit.

Even term insurance can have various types. Term insurance policies can be of the duration of 20 years or 30 years. The premium of the insurance policy is calculated based on life expectancy, age, medical report, health records, etc. Only fixed premiums are levied and are paid throughout the life of the term insurance policy.

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Why Revive a Lapsed Term Insurance Policy?

A term insurance policy lapse happens when one fails to pay premiums. As a result, the insurance policy contract lapses. The insurer is not liable to pay the death benefit in the event of the death of the insured. Insurers offer grace periods of 15 days for monthly payments or 30 days for yearly payments. The revival of a lapsed term insurance is dependent on the duration of inactivity of the insurance policy. If the term insurance policy was active for three years, then the insured gets two years to revive the policy.

If the policy is revived with six months of lapse, the insured is liable to pay the premiums that were overdue along with penalty charges. There could be an interest payment required as well – in the range of 12% to 18% of the value of the premium.

List of Term Insurance Plans

Term insurance plans cover uncertainties such as death, disease, etc. In India, there are many companies that offer online term insurance plans and policies.

Company Term Insurance Plan Eligibility Age Coverage in years Minimum Assured Sum Claim Settlement Ratio

Special Features

Aditya Birla Sun Life Insurance Aditya Birla Sun Life Insurance LifeShield Plan 18 years to 65 years 10-55 years Rs 25 Lakh 96.38%
  • Inbuilt terminal illness benefits available
  • 8 comprehensive plan options available
  • Riders available
Aditya Birla Sun Life Insurance Digi Shield Plan 18 years to 65 years 5-50 years Rs 30 Lakh 97.2%
  • Enhance policy coverage at each life milestone, such as 1st marriage and childbirth.
  • 2 plan variants
  • Flexible premium payment terms
Aditya Birla Sun Life Insurance Protect @Ease Plan 18 years to 55 years 5-40 years Rs 30 Lakh 97.54%
  • Death benefits can be a Lump sum or annual income.
  • Option to add a spouse under the same plan
  • Enhanced protection on life milestones, like marriage or childbirth
Aditya Birla Sun Life Protector Plus Plan 18 years to 65 years 5-30 years Rs 5 Lakh 97.5%
  • Inbuilt total and permanent disability cover available
  • Life cover plus disability benefit available
  • Rewards for a healthy lifestyle
Aegon Life iTerm Plan 18 years to 50 years 100 years Rs 25 Lakh 98.01%
  • Inbuilt Terminal Illness benefit.
  • Hassle-free buying process.
  • 3 plan options
Aegon Life  iTerm Plus Plan 18 years to 65 years 80 years Rs 25 Lakhs 98.01%
  • Lumpsum payment for a death benefit, terminal, and critical illness benefit 
  • 4 plan options
  • Enhanced life cover option available
Aviva Life Insurance Aviva Life Life Shield Advantage Plan 18 years to 55 years 65 years Rs 35 Lakh  96.06%
  • Waives future premium in case of death of the policyholder
  • Maturity benefits are available which is the total premium paid.
  • Two options of a plan to choose from.
Aviva Life JanaSuraksha Plan 18 years to 45 years 55 years Rs 50,000 96.06%
  • Offers accidental death benefits, maturity benefits, and surrender benefits
  • No medical tests required.
  • In accidental death, twice the sum insured is paid to the nominee
Bajaj Allianz Life Insurance Bajaj Allianz Life Insurance  eTouch Online 18 years to 65 years 75 years Rs 50 Lakh 95.01%
  • Accidental cover
  • Option for a premium waiver
  • Critical illness cover
Bajaj Allianz Life Smart Protect Goal 18 years to 65 years With ROP-75 Years With ROP &Whole Life-80 years Whole life Cover-99 years Rs. 50 lakhs 92.04
  • Multiple add-ons and variants
  • 55 Critical illnesses covered
  • 4 comprehensive cover variants available 
Bajaj Allianz Life Insurance  iSecure 18 years to 60 years 70 years Rs 2.5 Lakh for General Category, Rs 20 Lakh (Smoker, Non-smokers and preferred non-smokers) 98%
  • Rebate on premium for high sum assured.
  • Joint life cover for a spouse.
  • Installment pay-out option available
Bajaj Allianz Life Insurance  iSecure Loan 18 years to 60 years 65 years Rs 3 Lakh 92.04%
  • Joint life cover available.
  • Decreasing term insurance.
  • Rebate on premium for high sum assured.
Bajaj Allianz Life Insurance  iSecure More 18 years to 60 years 70 years Rs 2.5 Lakh -
  • Joint life cover available.
  • Rebate for joint life cover.
  • Flexibility to change Premium Payment mode 
  Bajaj Allianz Life Insurance  Life Secure 25 years- 50 years (Option III), 55 years (Option I and II) 100 years Rs 20 Lakh -
  • Three coverage options to choose from.
  • Rebate for high sum assured
  • Choice available for Premium Payment terms
Bajaj Allianz Life Insurance  LifeStyle Secure 18 years to 50 years 60 years Rs 3 Lakh -
  • Inbuilt accelerated risk cover for terminal illness is available.
  • No medical certificate is needed.
  • Death benefit available as Income pay-outs a 
Bharti AXA Life Insurance  Flexi term 18 years to 65 years 5/10/15/20 years Rs 1 lakh 97.4%
  • Critical illness cover.
  • Flexible payout options.
Bharti AXA Life Income Protection Plan 18 years to 58 years 70 years Rs 5 Lakh 98.2%
  • Two death benefit available
  • Return of Premium is available as an option
  • Provides income to the family  after policyholder’s death
Bharti AXA Life Insurance  POS SaralJeevanBimaYojana 18 years to 55 years 65 years Rs 50,000 98.2%
  • Double the sum assured on death due to an accident.
  • No medical test.
Bharti AXA Life Smart Jeevan 18 years to 50 years 62 Rs 50,000 98.2%
  • Easily affordable premiums
  • Maturity benefit is 100% return of premium paid till the end of the policy.
  • Easy, hassle-free purchase.
Bharti AXA Life Insurance  Premier Protect 18 years to 65 years 75 years Rs 50 lakhs 98.2%
  • Increase cover with life milestones.
  • Multiple options for death benefit payout
  • Tax Benefits
Canara HSBC OBC Life Insurance Canara HSBC OBC Life Insurance  iSelect Star Term Plan 18 years to 70 years 80 years Rs 25 Lakhs 98.12%
  • The discounted premium for non-smokers and females.
  • Easy online purchase.
  • Inbuilt covers for accidental total and permanent disability.
Canara HSBC OBC Life Insurance  POS Easy Bima Plan 18 years to 55 years 65 years Rs 50,000 98.12%
  • Sum assured double for death by accident
  • Double Life Cover option
  • Return of premium available
Edelweiss Tokio Life Insurance  Zindagi Plus 18 years to 65 years 80 years Rs 25 Lakh 97.8%
  • Hospitalization daily cash allowance and other benefits
  • 4 Plan variants
  • Flexible premium pay terms
Edelweiss Tokio Life  Edelweiss Tokio Life Simply Protect 18 years to 65 years 80 years Rs 25 Lakh 93.29%
  • 4 life variants available
  • Flexible premium payment term
  • Payout options
  Edelweiss Tokio Life My Term+ 18 years to 65 years 85 years Base Sum Assured: 25lakh Sum Assured under Better Half Benefit: 25lakh, only when  Base Sum Assured chosen is 50 lakh or more  93.29%
  • Cover for spouse available
  • Cover against Life for 12 Critical Illnesses
  • Payout options
  Edelweiss Tokio Life- Protection 18 years to 60 years 70 years- 30-year coverage Rs 15 lakhs 93.29%
  • The premium payment term reduction
  • Affordable premium rates available for non-tobacco users
  • Choice of 4 available riders
  Edelweiss Tokio Life Zindagi Plus   80 years For Life Stage/Better half/ Top-Up Benefit-Rs. 50 lakhs Other options-Rs. 25 lakhs 93.29%
  • Sum assured options available
  • Better half Benefit
  • Life stage or  key milestone benefit and top-up benefits available
Exide Life Insurance Exide Life Smart Term Pro 18 years to 60 years 80 years Rs 15 lakhs for 8/10/12 Pay Rs. 50 lakhs for 5Pay 98.15%
  • Return of total premiums on plan maturity
  • Family Income Payout option for 5 or 10 years
  • Rider protection available
  Exide Life Smart Term Edge 18 years to 60 years 70 or 75 years as per plan option  Classic-Rs. 5 lakhs StepUp& Comprehensive Plans-rs. 10 lakhs 98.15%
  • 3 plan options
  • Enhanced protection with Riders
  • Up to 150% return on premiums paid
  Exide Life Term Plan With ROP 18 years to 50 years 65 years Limited Premium-Rs. 10 lakhs Regular Premium-Rs. 5 lakhs 98.15%
  • Premium return on policy term completion
  • Premium discounts for females
  • No medical tests required
  Exide Life Elite Term Insurance Plan 21 years to 60 years 70 years ;
80 years age in case of  extended-term opted 
Rs.50 Lakhs (online mode)
Rs. 2 Crore (offline mode)
98.15%
  • Increased life cover at affordable premiums
  • Option to extend policy by 5 or 10 years
  • Benefit pay-out options available
Future Generali Life Insurance Future Generali  Flexi Online Term Plan 18 years (Basic Life Cover), 25 (Income Protection) to 55 years Smokers -60 years  Non-Smokers-75 years Rs 50 Lakh 95.2%
  • The discounted premium for females, non-smokers, and incentives for a healthy lifestyle
  • 2 customized plan variants
  • Increasing Income Protection option
  Future Generali Express Term Life Plan 18 years to 65 years 80 or 85 years as per plan option Rs. 25 lakhs 95.2%
  • Flexibility to choose policy and premium pay terms
  • Lumpsum Death/Terminal Illness benefits given
  • 4 plan options
  Future Generali Care Plus Plan 18-65 years 85 years For Classic Option: Rs. 1.5 lakhs For Premier Option: Rs. 25 lakhs 95.2%
  • Enhanced cover at low premiums
  • Available in 2 variants-Classic and Premier
  • Riders available
  Future Generali Jan Suraksha 18 years to 50 years 8 years Based on the age group, the Premium option 95.2%
  • Life cover at a small one-time premium payment
  • Tax Benefits available
  • Provides savings with life cover
HDFC Life


ICICI Prudential Life
HDFC Life  Click 2 Protect 3D Plus 18 years to 65 years 85 years Rs 10,000 99.04%
  • Waiver of premium on accidental total and permanent disability.
  • Lower premium for non-smokers, females.
  • Life stage protection increases
  • 9 Plan Options
HDFC Life  Click 2 Protect Plus 18 years to 65 years 85 years  Rs. 25 lakhs 99.04%
  • 4 plan options
  • Enhanced protection through Riders
  • Flexible premium payment modes and policy terms
HDFC Click 2 Protect Corona Kavach 18 years to 65 years 85 years or Whole Life, as per plan option Sum Insured:Rs. 50,000 –Rs. 5 lakhs 99.04%
  • 9 Plan options
  • Special protection against COVID and Co-morbidity illnesses
  • All premiums waived off in case of Accidental Total Permanent Disability
ICICI PruiProtect Smart 18 years to 65 years 85 years Rs 50 Lakh 97.8%
  • Purchase online and customizable
  • Accidental death and critical illness cover option
  • Choice of 4 Payout-options
ICICI PruiProtect Smart Money Back 20-54 years For iProtect Smart -99 years For Savings Suraksha -70 years  For iProtect Smart –Rs. 25 lakhs For Savings Suraksha- 10X Annually paid premiums 97.8%
  • Optional cover for 34 critical illnesses 
  • Lumpsum payout in case of demise
  • Combination of iProtectSmart+SavingsSuraksha
ICICI Pru POS iProtect Smart 18 years to 45 years 65 years Subject to the minimum premium amount 97.8%
  • Accidental Death Benefit Option
  • Affordable premiums
IDBI Federal Life Insurance IDBI Federal Life  MyLife Protection term plan 21 years to 65 years 65 years Rs 50 Lakh 95.79%
  • Three life cover options.
  • Lower premium for healthy lifestyles.
  • Flexible and affordable premium.
  • Enhance cover with the accidental death benefit.
  IDBI Federal Life  Termsurance Life Protection 18 years to 60 years 70 years Rs 5 Lakhs 95.79%
  • The discounted premium for high sum assured and female policyholders
  • Choice of the policy term and premium payment modes
  • 2 plan options available as per need
  IDBI Federal Life Income Protect Plan 25 years to 60 years 70 years Rs 15,000 per month monthly income at inception 95.79%
  • Rider benefit for accidental death.
  • Flexible premium and payout options
  • Increasing monthly income
IndiaFirst Life Insurance IndiaFirst Life  Guaranteed Protection Plan 18 years to 65 years Whole life cover till 99 years under option For COVID Cover: Rs 1 Lakh For ROP& Incidence Cover-Rs. 25 lakhs Other options: Rs. 50 lakhs 96.65%
  • Easy to buy online.
  • Terminal illness cover, critical illness cover, accidental death cover
  • Return of premium option
IndiaFirst Life  e-Term Plan 18 years to 55 years 80 years Depends on premium and cover option  96.65%
  • 8 different coverage options
  • Critical illness, accidental death, and disability cover.
IndiaFirst Life  Plan 18 years to 60 years 70 years Rs 1 Lakh 96.65%
  • Surrender benefit for single premium payment
  • Assured Benefit if the life assured dies 
  • High Cover provided at affordable premiums
Kotak Life insurance Kotak Life  eTerm       18 years to 65 years 75 years Rs 25 Lakh 97.4%
  • Three payout option to choose from.
  • Accidental death and disability rider.
  • The discounted premium for females, non-smokers.
  • waiver for premium on total disability.
  • Increase or decrease cover based on life stages.
  • Hassle-free with no medical test.
  • Flexible premium payment options.
  Kotak Term Plan 18 years to 65 years 70 years Rs. 3 lakhs 97.4%
  • Plan Conversion allowed
  • Riders available
  • Affordable premium options
Life Insurance Corporation of India LIC Tech Term 18 years to 65 years 80 years Rs 50 Lakh 97%
  • Accidental death benefit rider available
  • 2 Benefit options offered
  • Special savings for female policyholders
  LIC Jeevan Amar 18 years to 65 years 80 years Rs. 25 lakhs 97%
  • High coverage eat affordable premiums
  • 2 Benefit Options
  • Special rates for women 
Max Life Insurance Max Life  Online Term Plan Plus 18 years to 60 years 85 years Rs 25 Lakh 99.22%
  • Accelerated critical illness benefit
  • 3 plan variants
  • Multiple pay-out options
Max Life  Premium Return Protection Plan 21 years to 55 years 75 years Rs 5Lakh 99.22%
  • Waiver of premium plus rider
  • Return of total premiums (TROP) if the policyholder survives till maturity
  • Lifetime benefits for the limited premium term of 11 years
Max Life  Smart Term Plan 18 years to 75 years 85 years Rs 1 Crore 99.22%
  • Maturity benefits are available
  • Choice of premium payment options
  • Life Insurance plus health cover with protection under 40 critical illnesses
Max Life  Super Term Plan 18 years to 65 years 75 years Rs 25 Lakh 99.22%
  • High cover at affordable premiums
  • Flexible policy term and death benefit payout option
  • Increasing Life Cover 
PNB Metlife Life Insurance
Pramerica Life
PNB Metlife  Family Income protector plus 25 years to 60 years 75 years Rs 14.20 Lakh (for 10 years),  Rs 9.10 Lakh (for 20 years) 96.21%
  • Guaranteed monthly income for 20 years 
  • TROP option available 
  • Tax savings 
PNB MetlifeAajeevanSuraksha Plan 18 years to 65 years 80 years Rs 25 Lakh 96.21%
  • Comprehensive terminal illness cover
  • Joint cover for a spouse
  • Choice of benefit payout and premium modes
PNB MetlifeMeraMediclaim Plan 18 years to 65 years 80 years Rs 25 Lakh-  96.21%
  • Inbuilt terminal illness cover and Critical illness cover
  • Automatic sum insured recharge available
  • Savings on combined premiums
PNB MetlifeMera Term Plan 18 years to 65 years 99 years; 75 years for Joint Life Cover Rs 10 Lakh 96.21%
  • Joint life cover for spouse
  • Premium savings for non-smokers
  • Child education benefit
PNB MetlifeMera Term Plan Plus 18 years to 60 years 99 years Rs 25 Lakh 96.21%
  • Joint cover offer
  • Return of premium
  • Child education benefit
Pramerica Life TruShield Term Plan 18 years to 55 years 65 years Rs 5 Lakh 90.87%
  • Maturity benefits and Additional Shield Cover available
  • ROP available
  • Death benefit options
Pramerica Life U Protect 18 years to 55 years 65 years Rs 25 Lakh 90.87%
  • Critical illness and accidental death benefit rider available
  • Low premiums for non-smokers and females
  • High cover at affordable premiums
Sahara Life Insurance Sahara SamoohSuraksha Term Plan 18 years to 64 years 64 years Rs 50,000 90.16%
  • Group term plan for a minimum of 50 people
Shriram Life Insurance   Shriram Life Cash Back Term Plan 12 years to 15 years 70 years Rs 2 Lakh 85.30%
  • Accident, critical illness, and family income benefits available
  • Increase cover at life stages
  • Riders available
Shriram Life Online Term Plan 18-55 years 75 years Rs. 25 lakhs 85.3%
  • Payout options available
  • High sum assured savings
Shriram Life My Spouse Term Plan 18-55 years 75 years Rs. 25 lakhs 85.3%
  • Low premium rates for women
  • Additional covers present
  • High sum assured premium savings
Shriram Life Family Protection Plan 18 years to 60 years 75 years Rs 15 Lakh 85.3%
  • Multiple options for death benefit payout
  • Premium savings for higher sum assured
  • Affordable premiums
Shriram Life Smart Protection Plan 18 years to 65 years Life-time Rs 1 Lakh 85.3%
  • Available in 3 variants-Gold, Silver and Diamond
  • Critical illness benefits are available for the Diamond option.
  • Enhanced protection available
Shriram Group Life Term Insurance 14 years to 79 years 80 years Rs 5000 (lump sum)per member 85.3%
  • Critical illness and accident benefit available
  • Minimum 20 member group.
Star Union Dai-ichi Life Insurance SUD Life Abhay 18 years to 65 years 80 years Rs 50 Lakhs 96.74%
  • Accident, total and permanent disability rider available
  • Choice of pay-out options
  • Affordable premiums
State Bank of India Life SBI Life eShield 18 years to 60 years 75 years Rs 35 Lakh 95.03%
  • Accident death benefit rider available
  • Second Medical opinion available
  • Low premiums for non-smokers
SBI Life Smart Shield 18 years to 65 years 70 years Rs 25 Lakh 95.03%
  • Accident, total and permanent disability rider available
  • Increasing Term Insurance
  • High sum assured premium savings
SBI Life Saral Shield 18 years to 60 years 65 years Rs 7.5 Lakhs 95.03%
  • Accident, total, and permanent disability rider available.
  • Premium savings on the large sum assured amounts
  • 3 benefit payout options
SBI Life GrameenBima 18 years to 50 years 55 years Rs 10,000 95.03%
  • Hassle-free, affordable
  • Affordable cover at low premiums
  • No medical tests needed
SBI Life SaralSwadhan+ 18 years to 55 years 70 years Rs 30,000 95.03%
  • Guaranteed maturity  benefits
  • Life Insurance+ Savings+ ROP
  • Easy to enrol
SBI Life Smart Swadhan Plus 18 years to 65 years 75 years Rs 5 Lakh 95.03%
  • Maturity benefits
  • Affordable premiums
  • Return of premium benefits added
TATA AIA Life Insurance TATA AIA Life Insurance MahaRaksha Supreme 18 years to 70 years Non Whole Life-85 years Whole Life-100 years Rs 5 Lakhs 99.07%
  • Inbuilt payout accelerator benefit,
  • Critical terminal illness benefit
  • Flexible premium payment options
TATA AIA Life Insurance iRaksha TROP 18 years to 65 years 100 years Rs 50 Lakhs 99.07%
  • Online purchase hassle-free
  • Rebates on premium for high sum assured
  • Females and non-smokers have a discounted premium
TATA AIA Life Insurance SampoornaRaksha 18 years to 70 years 99 years Rs 50 Lakhs 99.07%
  • Rebates on premium for high sum assured
  • Non-smokers have discounted premiums
  • Riders available
  TATA AIA Life Insurance SampoornaRaksha+ 18-70, as per plan option 100 years Rs. 50 lakhs 99.07%
  • 2 Death benefit options
  • Optional Riders available
  • ROP option

Disclaimer:Paisawiki does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

Best Term Insurance Plans

When choosing the best term insurance plan, a significant consideration is the claim settlement ratio. Best plans have percentages in the range of 98-99 percent. It has to be noted that when making a claim, it is the responsibility of the insured to disclose all their details accurately. This would avoid any situation of claim rejection. In case the insured feels that the claim was rejected in error, they can approach the ombudsman. He/She has the authority to check the claim details and provide a ruling that could be in favour of the insured or the insurer, depending on the accuracy of the claim.

How to Apply for the Term Insurance Plan?

Presently, most term insurance plans are bought online. The following is the general process:

  • Logon to the website of PaisaWiki
  • Enter the sum assured amount
  • Choose the term insurance policy duration
  • Choose the term for paying premium – monthly, quarterly, yearly
  • Select the bank from which premium is deducted
  • An acknowledgment message is displayed

The process may involve uploading documents pertaining to age, medical conditions, identify proof, etc.

Features and Benefits of the Term Insurance Plan

The following are the salient features and core benefits of the term insurance plans:

  • Affordable – A pure term plan only covers life. The amount and premium are fixed
  • Easy purchase process – The term plan can be bought easily. It’s just like buying another insurance product
  • Return on premium – Most term insurance plans have no returns on the premium paid. There is a variant of a term plan that offers a return on premium upon the plan’s maturity. Such term insurance plans are slightly more expensive than the common term insurance policies
  • Staggered payments – Sometimes, a huge corpus of money on the death of a person that is delivered to the nominee might pose a risk. The money could be poorly managed. To prevent this, there is an option to provide the corpus of money in a phased manner
  • Flexible payment – Term insurance plans offer flexible payment options of monthly, quarterly, semi-annually, or annually
  • Rebate – Some life insurance companies offer rebates for term insurance plans with higher sum insured. There are congenial plans for non-smokers and women, too – they can get discounted premiums

Comparison with Other Plans

If term insurance has to be compared, it can only be compared to life insurance:

  • Death benefit – This is an essential difference. Term insurance provides death benefits upon the death of the insured. But life insurance offers death benefit amount and maturity value amount as well
  • Risks covered over savings – Term insurance only covers the risk of death of the insured. Its premiums are, therefore, lower in cost than life insurance. So if the objective of the insured is to cover only life, then term insurance is the best
  • Flexibility – Surrendering a life insurance plan is more cumbersome. In life insurance, the maturity benefit is provided only if the insured completely pays all premiums up to policy maturity
  • Tax benefit – Term insurance premiums are eligible to be covered under tax benefits

Things to consider while buying the Term Insurance Plan

Select the right insurance company – Check the company’s claim settlement ratio, solvency ratio, market reputation, financial standing, etc.

  • Payout option – Some common payout options are lump sum payout on death or monthly income with life cover. The payout could be 148% of the assured amount if it is a lump sum amount. In the case of monthly income, it is generally about 0.4% of the assured amount paid over a period, such as ten years
  • Policy period – A person in their 50s may need coverage for 10 – 15 years, whereas a person in their 20s may need coverage for 40 years
  • Cover amount – This is identified based on age, financial obligations, basic expenses, current loans, etc. 

FAQs

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