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Zero Cost Term Insurance

Get Zero Cost Term Insurance Starting @ Rs.510 per Month only/-

Including GST / Terms and Conditions

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It is important to carefully consider your Family needs and budget when selecting an Zero Cost Term Insurance plan. Compare different plans, understand the terms and conditions, and review the network of Insurance providers to find the plan that best suits your needs.

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Zero cost term insurance, also known as “Return of Premium” term insurance, is a type of life insurance policy in India that promises to return the premiums paid by the policyholder if they survive the policy term.

However, some insurance providers may offer a return of premium term insurance policy. In such policies, if the policyholder survives the policy term, the insurance company refunds the total premiums paid over the term. While this may seem like a “zero cost” option because you get your premiums back if you survive, these policies often come with higher premiums compared to regular term insurance.

Process

Benefits

Premium Refund

The primary benefit of zero cost term insurance is the promise of premium refund. If the policyholder survives the entire policy term, they receive all the premiums paid over the policy term as a lump sum.

Financial Security

This type of policy provides financial security to the policyholder's family in case of the policyholder's demise during the policy term. The nominee will receive the sum assured.

Savings Component

Zero cost term insurance serves both as insurance and a savings plan. The premiums paid are returned at the end of the policy term, which can be useful for various financial needs.

Tax Benefits​

Premiums paid for zero cost term insurance policies are eligible for tax deductions under Section 80C of the Income Tax Act. The maturity benefit is also usually tax-free under Section 10(10D) of the Income Tax Act.

FAQs

Zero Cost Term Insurance is a type of term insurance plan where, if the policyholder survives the policy term, they receive a refund of the total premiums paid, effectively making the policy cost-free.

No, the premium is not “zero.” It’s important to understand that the premiums are paid throughout the policy term. The term “zero cost” implies that you get back the total amount of premiums paid if you survive the policy term.

Yes, there is a death benefit in Zero Cost Term Insurance. If the policyholder passes away during the policy term, the sum assured is paid to the nominee.

Premiums paid for term insurance plans are generally eligible for tax deductions under Section 80C of the Income Tax Act. However, tax laws may change, so it’s best to consult with a tax advisor.

When selecting a Zero Cost Term Insurance plan, consider factors such as the premium amount, policy term, the reputation of the insurance company, and the terms and conditions regarding the return of premiums. It’s advisable to compare plans and read the policy terms carefully before making a decision.

The terms and conditions for receiving the premium refund may vary between insurance providers. Be sure to understand the specific conditions for receiving the refund, such as the policy term duration, and how the refund is calculated.

Typically, Zero Cost Term Insurance plans have a fixed sum assured. They are designed primarily to provide a death benefit and the return of premiums on survival.

Zero Cost Term Insurance may be attractive to some, but it’s essential to carefully evaluate your insurance needs and financial goals. These plans might have higher premiums compared to regular term insurance, so consider your budget and coverage requirements.

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