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Term Life Insurance in Jammu and Kashmir 2024

Jammu and Kashmir, often referred to as ‘Paradise on Earth’, is administered by India as a union territory, and is part of the disputed Kashmir region, claimed by both India and Pakistan since 1947, and also by China since 1959. While Jammu and Kashmir is famous for its diverse biogeography, which includes the hills, valleys and meadows, there are many challenges that the region undergoes. Some of these risks include heavy snowfall, landslides, underdevelopment and unemployment.

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These situations force people to take necessary measures and provide a safety net for their families and loved ones. Therefore, it is suggested that you buy term insurance to protect your family living in Jammu and Kashmir. Let’s discuss the importance of term insurance in Jammu and Kashmir in this article.

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Data from Jammu and Kashmir Underscoring the Importance of Term Insurance

Here are some facts and statistics about Jammu and Kashmir that you must know before you proceed to buy term plan:

According to recent data, life expectancy at birth in Jammu and Kashmir is 74 years, the third highest in India after Kerala and Delhi, surpassing the national average of 69.4 years.
Recent data shows that road accidents in Jammu & Kashmir have resulted in 4,278 deaths between 2018 and 2022.
As per the last census (held in 2011), the current estimated population of Jammu and Kashmir is approximately 1.56 Crores.
As per recent statistics, the literacy rate of Jammu and Kashmir in 2024 has risen to 67.16%. Among them, male literacy is 76.75%, and female literacy is 56.43%.
Recent data shows that the death rate in Jammu & Kashmir decreased steadily from 6.1 deaths per 1000 people in 2001 to 4.6 deaths per 1000 people in 2020.
According to the NCRB report, Jammu and Kashmir had about 30% of India's suicides in 2022.

Term Plans

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₹75
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@ Starting from ₹ 12/day⁺

Term Life Insurance Quotes in Jammu and Kashmir 2024

Jammu and Kashmir faces a number of challenges, such as landslides, severe snowfall, etc. Moreover, despite multiple efforts, certain areas in Jammu and Kashmir still lack basic infrastructure such as roads, electricity, and healthcare facilities. Such situations can hinder access to essential services and economic opportunities. Therefore, people in Jammu and Kashmir should prioritize their family's future and well-being by buying a term insurance plan. It's one of the best ways to ensure that if something happens to you unexpectedly, your family won't face financial struggles.

Term insurance plans in Jammu and Kashmir can be found online on Policybazaar, where you can use the comparison tool and easily compare various term plans based on your criteria and circumstances. Policybazaar lets you compare term plans from 20+ insurers. Here is a list of all the term plans in Jammu and Kashmir:

How to Buy Term Life Insurance from Policybazaar?

Life Insurance Company	Term Insurance Plan	Claim Settled Amount (cr)	Entry Age	Sum Assured	Additional Benefits
Aditya Birla Sun Life Insurance Company Limited	ABSLI Salaried Term Plan	458	21 to 55 years	Rs. 50 Lakhs to Rs. 5 Crores	Exclusively designed for salaried individuals Accelerated Critical Illness Tax Benefits
Aviva Life Insurance Company India Limited	Aviva Signature 3D Term Plan	98	18 to 65 years	Rs. 5 Lakhs to no limit	Financial protection for family Enhance cover with riders Tax benefits
Bajaj Allianz Life Insurance Company Limited	Bajaj Allianz eTouch	603	18 to 55 years	Rs. 50 Lakhs to Rs. 10 Crores	Terminal Illness Waiver of Premium Early exit benefit
Bandhan Life Insurance Company Limited	Bandhan Life iTerm Prime	86	18 to 65 years	Rs. 25 Lakhs to Rs. 20 Crores	Special Exit Value AD Rider CI Care Rider
Bharti Axa Life Insurance Company Limited	Flexi Term Pro	148	18 to 65 years	Rs. 25 Lakhs to no limit	Choose from 2 cover options Get single or joint cover Life stage benefits
Canara HSBC Life Insurance Company Limited	Canara Young Term Plan	186	18 to 45 years	Rs. 25 Lakhs to Rs. 20 Crores	Block Your Premium Special Exit Value Child Care Benefit
Edelweiss Life Insurance Company Limited	Edelweiss Life Zindagi Plus	59	18 to 65 years	Rs. 25 Lakhs - no limit	Option to cover spouse as well Increase cover yearly Post-hospitalisation benefits offered
Future Generali India Life Insurance Company Limited	Future Generali India Term Insurance Plan	33	18 to 60 years	Rs. 50 Lakhs to no limit	Financial protection for family Tax benefits Enhance cover with riders
HDFC Life Insurance Company Limited	HDFC Click 2 Protect Super	1,389	18 to 65 years	Rs. 50 Lakhs to Rs. 20 Crores	Terminal illness Benefit Waiver of Premium on Critical Illness and Total and Permanent Disability Return of Premium option
ICICI Prudential Life InsuranceCompany Limited	ICICI iProtect Smart	1,950	18 to 65 years	Rs. 50 Lakhs to Rs. 20 Crores	Terminal Illness benefit Waiver of Premium Life stage benefit
IndiaFirst Life Insurance Company Limited	IndiaFirst Life Elite Term Plan	160	18 to 60 years	Rs. 1 Lakh to Rs. 5 Crore	Long term cover Financial protection for family Flexible premium payments
Kotak Mahindra Life Insurance Company Limited	Kotak Life e Term	321	18 to 65 years	Rs. 50 Lakhs to Rs. 10 Crores	Smart Exit Benefit Wellness Benefit
Life Insurance Corporation of India	LIC New Tech Term Plan	18,398	18 to 65 years	Rs. 50 Lakhs to no limit	Choose from 2 sum assured Enhance cover with riders Pay premiums as per convenience
Max Life Insurance Company Limited	Max Life Smart Secure Plus	1,242	18 to 60 years	Rs. 25 Lakhs to Rs. 1 Crore	Terminal Illness Accelerated Critical Illness Benefit Special Exit Value Joint Life option
PNB MetLife India Insurance Company Limited	PNB MetLife Mera Term Plan Plus	407	18 to 50 years	Rs. 50 Lakhs to Rs. 10 Crores	Life stage benefit Terminal Illness Accelerated Critical Illness Waiver of premiums on ATPD or CI
Pramerica Life Insurance Company Limited	Pramerica Life Rock Solid Plan	30	18 to 65 years	Rs. 50 Lakhs to no limit	Smart Exit benefit Option to choose increasing cover Cover spouse in the same plan
SBI Life Insurance Company Limited	SBI eShield Next Plan	1,676	18 to 65 years	Rs. 50 Lakhs to Rs. 10 Crores	Terminal Illness Flexible Death Benefit Payment Modes Better Half Benefit
Shriram Life Insurance Company Limited	Shriram Life Smart Protection Plan	109	18 to 65 years	Rs. 30,000 to Rs. 14 Lakhs	Choose from 3 plan options Get inbuilt accidental cover Affordable premiums
Star Union DAI-ICHI Life Insurance Company Limited	SUD Life Protect Shield Plus	113	18 to 60 years	Rs. 1 Crore to 2 Crore	Change premium pay frequency Choose convenient mode of payment Tax benefits
Tata AIA Life Insurance Company Limited	Tata AIA SRS Vitality Protect	776	18 to 60 years	Rs. 50 Lakhs to Rs. 2 Crores	Early payout on Terminal illness Accidental Death Accidental Total & Permanent Disability

*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

How can you contact Policybazaar to buy term insurance in Jammu and Kashmir?

You can reach Policybazaar's Claim Assistance Helpline at 1800-258-5881.

Alternatively, you can log in to your account by going to the ‘My Account’ section on their website or use the Policybazaar app for help with any questions or concerns.

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Why Should You Buy Term Insurance In Jammu and Kashmir?

Jammu and Kashmir is a state blessed with lush greenery and vibrant wildlife. But at the same time, the state also poses a number of risks. For example, the number of accident cases in Jammu and Kashmir has increased, floods damaging crops and roads, and the growing cost of healthcare and other commodities have made it rather difficult for people to sustain themselves in the state. These unpredictable situations make term and life insurance a safety net in Jammu and Kashmir. Here are some more reasons why you should buy term insurance in Jammu and Kashmir:

Protection Against Natural Calamities: Given the region's vulnerability to natural disasters like snowfall and storms, term insurance provides financial protection to the policyholder’s family in case of his/her untimely demise due to such calamities. It ensures that loved ones are financially secure to rebuild their lives after the policyholder is no more.
Coverage for Underdeveloped Areas: In underdeveloped regions of Jammu and Kashmir, where access to basic services and infrastructure may be limited, term insurance can serve as a crucial safety net. It offers families financial stability during challenging times, helping them cover expenses in the unfortunate event of the policyholder’s death.
Resolving Economic Uncertainty: High unemployment rates in Jammu and Kashmir contribute to economic uncertainty for many families. Term insurance offers a way to help them during this uncertainty by providing a lump sum payment to nominees/beneficiaries in the event of the policyholder's death. This financial support can help sustain the family's financial well-being during difficult times.
Peace of Mind Amidst Uncertainty: Term insurance provides peace of mind to policyholders knowing that their loved ones will be taken care of financially in their absence. In a region marked by various challenges, having term insurance can offer a sense of security and stability, allowing families to focus on building a brighter future without worrying about financial hardships.

FAQ's

Q: How can I contact customer support to resolve queries about term insurance?

Ans: You can easily contact Policybazaar insurance advisor to clear all doubts, resolve queries, and know about various term plans available.
Q: Why is term insurance important in Jammu and Kashmir?

Ans: Term insurance is crucial in Jammu and Kashmir due to its vulnerability to natural disasters like snowfall and storms. It provides financial protection to the policyholder’s family in the event of untimely demise due to such calamities, ensuring their financial security to rebuild their lives afterward.
Q: How does term insurance help in underdeveloped areas of Jammu and Kashmir?

Ans: In underdeveloped regions of Jammu and Kashmir, where access to basic services and infrastructure may be limited, term insurance serves as a crucial safety net. It offers families financial stability during challenging times, helping cover expenses in case of the policyholder’s death.
Q: How can I find out the term insurance plans in Jammu and Kashmir 2024?

Ans: Policybazaar has its own comparison portal where you can compare different term plans from different insurers as per your needs from 20+ insurers.
Q: How can I contact customer support to resolve queries about term insurance?

Ans: You can easily contact Policybazaar insurance advisors to clear all doubts, resolve queries, and know about various term plans available. Or you can call this helpline number: 1800-258-5881.

Term Insurers

Aditya Birla Sun Life Term Insurance Plans

Aviva Term Insurance Plans

Bajaj Allianz Term Insurance Plans

Bandhan Life Term Insurance Plans

Canara HSBC Term Insurance Plans

Edelweiss Term Insurance Plans

Exide Life Term Insurance Plans

Show More Insurers

Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. 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 complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in