Pure Protection: Term Insurance in Faridabad
Ensure your family’s lifestyle never changes, even if you are not around. Get a massive ₹1 Crore life cover for the cost of a monthly dinner with Faridabad’s most trusted brokers.
Calculate Your Term Premium
What is Term Insurance?
Term Insurance is the purest, simplest, and most affordable form of life insurance available. Unlike traditional endowment plans that mix investment with insurance, a Pure Term Plan is designed for one specific goal: to provide your family with a massive financial payout if you pass away during the policy term.
If you are the primary breadwinner living in the Delhi-NCR region, the cost of living, housing loans, and children’s education can place an immense burden on your spouse if tragedy strikes. A high-cover term policy (like ₹1 Crore or ₹2 Crore) ensures that your home loan is paid off and your family’s standard of living is protected.
Why Every Earner Needs It
- Ultra-Low Premiums: Secure covers of ₹1 Crore+ starting at just a few hundred rupees a month.
- Debt Protection: Ensures your family doesn’t lose their Faridabad home to a pending EMI or mortgage.
- Income Replacement: Replaces your monthly salary so your spouse and children can maintain their lifestyle.
- Tax Benefits: Premiums are 100% tax-deductible under Section 80C up to ₹1.5 Lakhs.
Select Your Shield of Protection
1. Pure Protection Term Plan
The standard and most cost-effective option. You pay a very low premium for a set term (e.g., up to age 65 or 70). If you pass away during this period, your nominee receives the full Sum Assured. If you survive the term, the policy simply expires with no maturity payout.
2. Term with Return of Premium (TROP)
If you dislike the idea of “losing” your premium if you survive, this plan is for you. While the monthly cost is slightly higher than a pure term plan, 100% of the total premiums paid are refunded to you as a tax-free lump sum if you survive the entire policy term.
Strengthen Your Policy with Riders
A basic term plan only covers death. By adding these inexpensive “riders,” you can ensure you are protected while you are still alive but unable to work.
Critical Illness Rider
If you are diagnosed with a severe illness (like cancer, heart attack, or kidney failure), this rider immediately pays out a large lump sum while you are still alive to cover expensive treatments and loss of income.
Accidental Death Benefit
If death occurs specifically due to an accident, this rider provides an additional payout on top of your base sum assured, offering extra support to your family during sudden tragedies.
Waiver of Premium (WOP)
If you suffer a permanent disability due to an accident and can no longer work, the insurance company will waive all your future premiums, but your ₹1 Crore life cover will continue uninterrupted.
We Don’t Just Sell. We Settle.
Filing a ₹1 Crore death claim is an exhausting, paper-heavy process for a grieving family. If you buy from an online portal, your spouse will have to navigate call centers alone. By choosing Faridabad Insurance Wala, you ensure that Nutesh Attri and our local team will be there to personally guide your nominee through the entire claim settlement process, directly from our local office.
Secure Your Family Today