Secure Your Family's Financial Future with Zero Sales Gimmicks.
A pure term insurance plan is designed to replace your economic value for your dependents—not to enrich an agent with hefty commissions. Trueways compares top IRDAI-regulated insurers to help you lock in ₹1 Crore to ₹5 Crore+ protection with transparent underwriting and complete claim safety.
- ₹1 Crore Cover Starting at ~₹490/Month* for Non-Smokers
- Zero Commission Sales Push — Pure Term, No ULIPs or Endowments
- Full Medical Disclosure Guidance to Protect Claims Under Section 45
Calculate Your Term Cover
Unbiased comparison across 30+ insurers · ₹0 fee
98.5%+
Insurers’ 3-Year Avg. CSR
95%+
Settlement by Value Target
Age 60/65
Optimal Recommended Tenure
₹0
Advisory & Claim Filing Cost
COVER SIZING MATH
Move Beyond the Outdated "10x Income" Rule
We calculate your true sum insured using the D.I.N.E. framework to ensure your family’s lifestyle, debts, and children’s futures remain fully funded.
Home, Car & Business Loans
Add 100% of your outstanding loan balances so your family is never burdened with bank recovery notices.
Living Expenses for 15–20 Yrs
Factor monthly household expenses adjusted for 6% annual inflation until your youngest dependent is financially independent.
Children's Education & Marriage
Ring-fence fixed capital for college tuition and critical life goals so market corrections don't disrupt them.
Minus EPF, Stocks & Mutual Funds
Subtract current liquid family savings so you only pay for the exact shortfall you genuinely need to insure.
Essential Riders (High Value / Low Cost)
- Waiver of Premium on Disability: If you suffer permanent disability, all future premiums are waived while 100% life cover continues.
- Accidental Death Benefit (ADB): Adds an extra ₹25L–₹50L lump-sum payout if death occurs due to an accident during transit.
- Additional Critical Illness Rider: Pays an independent cash benefit on cancer/cardiac diagnosis without deducting from your death benefit.
Inefficient Add-Ons to Avoid
- Return of Premium (TROP): Costs 2x to 3x more just to refund base premiums decades later. Standard inflation erodes that refund value.
- Cover Beyond Age 75/85: Unnecessarily inflates your annual premium during retirement when income replacement needs are gone.
- Accelerated Critical Illness: Deducts CI claim amounts from your death cover, shrinking the payout your nominees receive.
Term Insurance Premium & Cover Calculator
Calculate your family's exact life cover requirements using the D.I.N.E. framework and estimate monthly premiums based on age, coverage term, and lifestyle habits.
TRANSPARENT APPLICATION
Structuring a Bulletproof Term Policy in 4 Steps
01. D.I.N.E. Calculation:
We assess your liabilities, dependent horizon, and income to calculate an uninflated cover amount.
02. Insurer Benchmarking:
Review quotes side-by-side based on Claim Settlement by Value, Solvency Ratios, and premium stability.
03. Complete Medical Disclosures:
Tele-medical or physical checkups are arranged with full disclosure of past family health conditions and habits.
04. Policy Issuance & Nominee Briefing:
Your policy document is checked, and we provide a Nominee Claim Kit to ensure your family knows the exact steps to take.
REGULATORY LEGAL SHIELD
Understanding Section 45 of the Insurance Act
Under Section 45 of the Insurance Act (amended in 2015), no life insurance policy can be called into question or rejected by an insurer on any grounds whatsoever after the expiry of 3 consecutive years from the date of issuance or revival.
This means that if you make 100% honest disclosures regarding smoking, alcohol habits, and pre-existing medical conditions at inception, your family’s claim cannot be contested once the 3-year mark passes. Trueways audits your application to ensure zero inadvertent omissions that could jeopardize a future claim.
PROTECT WHAT CANNOT BE REPLACED
Lock In Your Term Cover at Your Current Age.
Term insurance premiums increase permanently with every passing birthday. Book a 20-minute consultation with a Trueways specialist today.