No jargon. Just the truth about India's most important financial product.
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Pure Protection, Zero Savings
Term insurance pays your family a large lump sum if you die during the policy term. No maturity benefit. That's why premiums are so low — you're paying only for protection.
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How Much Cover Do You Need?
Rule of thumb: 15–20x your annual income. If you earn ₹10 LPA, aim for ₹1.5–2 Cr cover. Factor in loans, dependents, and future expenses.
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How Long Should the Term Be?
Cover yourself till your youngest dependent is financially independent — typically till age 60–65. Buying early locks in lower premiums for the entire term.
Top Term Plans 2025
Best term plans in India — ranked honestly.
No sponsored rankings. No commissions. Befikr's unbiased picks based on CSR, features, and fine print.
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Befikr Top Pick
HDFC Life Click 2 Protect Super
Best overall term plan. Multiple cover options — Life, Life & CI, Return of Premium. Increasing cover option. Strong CSR. Best for salaried individuals.
Excellent claim support and highest CSR in India. Terminal illness cover included. Monthly income option for family. Good for those prioritising claim certainty.
Digital-first term plan with instant issuance. Covers HIV+ individuals. Strong waiver of premium benefit. Good for young tech-savvy buyers wanting fast purchase.
We calculate exactly how much cover your family needs based on income, loans, dependents, and inflation. No guesswork.
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Disclosure Guidance
We help you fill the proposal form correctly — what to disclose, how to disclose it — so your claim is never rejected on technical grounds.
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Claim Support When It Counts
If your nominee ever needs to claim, our advisor walks them through every step — documentation, submission, escalation. Never alone.
Real Stories
Families who made the right call.
The best term insurance decision is one your family never has to regret.
★★★★★
"My agent was pushing a ₹1.2L/year endowment plan for ₹50L cover. Befikr got me ₹1Cr term cover for ₹8,400/year. I invested the rest in mutual funds. Best financial decision of my life."
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Arjun T.
Bangalore · HDFC Click2Protect
★★★★★
"My husband passed away suddenly. The claim process was overwhelming. Befikr's advisor handled everything — paperwork, follow-ups, escalation. We got ₹75L within 45 days."
S
Sunita R.
Pune · Term Claim Support
★★★★★
"I'm self-employed and thought getting term insurance would be a nightmare. Befikr guided me through every document, found me a plan that accepted my income proofs. Sorted in one week."
R
Rohit M.
Delhi · Self-Employed
Common Questions
Term insurance FAQs answered honestly.
How much term cover do I actually need?
15–20x your annual income is the standard rule. Add outstanding loans (home loan, car loan) on top. If you earn ₹10 LPA with a ₹40L home loan, aim for ₹1.5–2Cr cover.
At what age should I buy term insurance?
The earlier the better — premiums are lowest in your 20s and lock in for life. A 25-year-old pays ~40% less than a 35-year-old for the same cover. Don't delay.
Should I buy online or through an agent?
Online is cheaper by 15–30%. But the proposal form matters — incorrect disclosure is the top claim rejection reason. Use Befikr to buy online with expert guidance.
Is Return of Premium (ROP) term worth it?
Almost never. ROP plans cost 2–3x more. The implicit return is 4–5% — worse than FD. Buy plain term and invest the difference in mutual funds. You'll come out far ahead.
What if I smoke or have a pre-existing condition?
You can still get term insurance — premiums will be higher. Never hide it. Non-disclosure is the #1 claim rejection reason. Our advisors will find you the best plan for your health history.
Is Befikr's term advice really free?
100% free. We take zero commission from insurers. We'll recommend the plan that's best for you — not the one that pays us the most. That's the Befikr promise.
Get Started
Find your ideal term plan today.
Free consultation. Unbiased recommendation. Lifetime claim support. No pressure. No commissions.
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Right cover amount calculated for your situation
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Proposal form filled correctly — zero rejection risk
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Claim support for your nominee — for life
Get Free Term Insurance Advice
Tell us your situation. Our expert will find the right plan — 100% free.
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