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While buying term insurance is essential in securing the financial stability of your family, it can be nerve-racking to determine the right customisations as per your needs. A term life insurance till 99 years of coverage offers coverage till the customer turns 99 years of age. This ensures the financial stability of your family via the guaranteed death benefit in the event of your absence.
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Term insurance is the purest risk protection plan that you can buy for yourself and secure the future of your family in case of your untimely demise. It is a type of insurance policy that provides financial coverage to the nominee if the life insured dies during the policy term.
Of all the different types of life insurance plans, term insurance offers the highest coverage with lower premiums. With these plans, you can not only get coverage in case of unfortunate death but also enhance the plan to cover you in case of a terminal and critical illness, accidental total permanent disability, accidental death, and hospicare benefits as well.
Term Plans
A 99 years term insurance is a term insurance plan that provides cover till 99 years of age meaning for the whole of the policyholder’s life. Since these plans cover for the policyholder’s entire life, the plan guarantees the death benefit payout for the family/nominee in case of the policyholder’s death. This is especially beneficial for individuals who have financially dependent spouse or kids.
Here is a list of the term insurance till 99 years plans available in India:
| Name of the Insurer | Term Life Insurance Till 99 Years | Claim Settled Amount (cr) | Entry Age | Maximum Maturity Age | |
| Aditya Birla Sun Life Insurance Company Limited | ABSLI Income Suraksha Plan | 458 | 21-55 years | 70 years | |
| Aviva Life Insurance Company India Limited | Aviva Signature 3D Term Plan | 98 | 18-65 years | 80 years | |
| Bajaj Allianz Life Insurance Company Limited | Bajaj Allianz eTouch | 603 | 18-55 years | 99 years | |
| Bandhan Life Insurance Limited | Bandhan Life iTerm Prime | 86 | 18-65 years | 70 years | |
| Bharti Axa Life Insurance Company Limited | Flexi Term Pro | 148 | 18-65 years | 99 years | |
| Canara HSBC Life Insurance Company Limited | Canara Young Term Plan | 186 | 18-45 years | 99 years | |
| Edelweiss Life Insurance Company Limited | Edelweiss Life Zindagi Plus | 59 | 18-65 years | 80 years | |
| Future Generali India Life Insurance Company Limited | Future Generali India Term Insurance Plan | 33 | 18-60 years | 65 years | |
| HDFC Life Insurance Company Limited | HDFC Click 2 Protect Super | 1,389 | 18-65 years | 85 years | |
| ICICI Prudential Life Insurance Company Limited | ICICI iProtect Smart | 1,950 | 18-65 years | 99 years | |
| IndiaFirst Life Insurance Company Limited | IndiaFirst Life Elite Term Plan | 160 | 18-60 years | 99 years | |
| Kotak Mahindra Life Insurance Company Limited | Kotak e Term | 321 | 18-65 years | 85 years | |
| Life Insurance Corporation of India | LIC New Tech Term Plan | 18,398 | 18-65 years | 80 years | |
| Axis Max Life Insurance Company Limited | Max Life Smart Total Elite Protection | 1,242 | 18-65 years | 85 years | |
| PNB MetLife India Insurance Company Limited | PNB MetLife Mera Term Plan Plus | 407 | 18-50 years | 80 years | |
| Pramerica Life Insurance Company Limited | Pramerica Life Rock Solid Plan | 30 | 18-65 years | 85 years | |
| SBI Life Insurance Company Limited | SBI eShield Next Plan | 1,676 | 18-65 years | 100 years | |
| Shriram Life Insurance Company Limited | Shriram Life Smart Protection Plan | 109 | 18-65 years | 75 years | |
| Star Union DAI-ICHI Life Insurance Company Limited | SUD Life Protect Shield Plus | 113 | 18-60 years | 80 years | |
| Tata AIA Life Insurance Company Limited | Tata AIA Sampoorna Raksha Promise | 776 | 18-65 years | 100 years |
*Disclaimer: The list of insurers mentioned are arranged according to the alphabetical order of the name of insurance company respectively. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
* You can use the term insurance premium calculator to check the estimated premiums you would need to pay for the desired life cover amount.
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The right age to buy term insurance till 99 years is as early as possible. This is because the more you delay, the more your premiums will increase. To find the ideal cover amount for your term insurance till 99 years of age, you should assess your and your family’s needs and use the human life value calculator. After figuring out the right cover amount, you should compare the available plans and proceed to buy.
By looking at the key features of term insurance, it can get easier for a person to make a decision. Here are some key features of term insurance that will help you get a better understanding of the plan and help you choose it wisely.
Financial Security
Term insurance till 99 years offers lifetime financial security to your loved ones in the event of your unfortunate demise during this period. These plans allow you to live a peaceful and stress-free life, knowing that your family will be financially secure even in your absence.
Lower Premium
Term insurance plans are the most affordable type of life insurance that offer a large cover amount at budget-friendly premiums. You can easily compare the available plans on the basis of their premiums and choose the most suitable plan for your profile.
Higher Sum Assured
With term insurance, you can easily buy cover of 1, 2 or more crores as per your needs at affordable premiums. This allows you to secure a large sum for your family in the event of your unfortunate demise.
Customizable Policy
When buying term insurance tilll 99 years, most insurers allow you to customise and tailor different policy details like policy period, coverage, payment options (whether monthly, annually, lump-sum), and more as per your needs.
Tax Saving Benefits
A term insurance till 99 years of age is a tax saving insurance and provides benefits under 80C and 10(10D) of the Income Tax Act, 1961, as per the prevailing tax laws.
* Tax benefits are subject to changes as per prevailing tax laws
Term Insurance Plans in India term Insurance Plans in India
Term insurance till 99 years is an essential insurance plan for everyone who wants to ensure the financial security of their loved ones without any stress of policy term ending mid-way. These plans provide coverage for the policyholder’s whole life and also provide tax saving benefits as per the prevailing tax laws.
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
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