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With over 17% of India’s population located in Uttar Pradesh, the state is one of India's most populous states and faces its unique set of challenges amidst its vibrant culture and rich heritage. With over 24 crore residents, it deals with issues like overpopulation, traffic congestion, and seasonal floods.
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Limited access to quality healthcare and safety concerns further amplify the challenges for its people. Despite significant progress, poverty and unemployment remain prevalent, affecting millions of households. In such an unpredictable environment, term insurance emerges as a critical tool for providing financial security to families. By understanding the importance of term insurance and its role in protecting against life's uncertainties, residents of Uttar Pradesh can ensure peace of mind for their loved ones, safeguarding their financial future in the face of adversity.
Here is a list of some of the statistics of Uttar Pradesh that help emphasize the importance of term insurance plans:
The combined literacy rate for both men and women in Uttar Pradesh is 67.7
The state has a gender ratio of 912 females for every 1000 males
Uttar Pradesh has 829 density of population (per sq. km)
The total death rate of rural and urban residents of the state is 6.5
The total number of COVID-19 cases to date in the state is 21,46,075, with around 23,726 confirmed deaths due to COVID-19
The above-mentioned statistics together reinstate the importance of term insurance in Uttar Pradesh. Term plans for 1 crore cover are available at premiums starting at just 473 per month and provide cover on death due to COVID-19 as well.
Uttar Pradesh suffers from a diverse array of weather conditions, ranging from scorching summers to heavy rainfall, often leading to floods and other natural disasters. The state also deals with significant health challenges, including prevalent tropical diseases, waterborne illnesses, and mounting medical expenses.
In such circumstances, securing the term insurance plan in India becomes crucial to ensure financial stability for families. Whether it's addressing educational needs, covering healthcare costs, or safeguarding the future of loved ones amidst the uncertainties of life in Uttar Pradesh, term insurance serves as a dependable safety net tailored to meet the specific requirements of the state's residents.
| 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 |
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| Aviva Life Insurance Company India Limited | Aviva Signature 3D Term Plan | 98 | 18 to 65 years | Rs. 5 Lakhs to no limit |
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| Bajaj Allianz Life Insurance Company Limited | Bajaj Allianz eTouch | 603 | 18 to 55 years | Rs. 50 Lakhs to Rs. 10 Crores |
|
| Bandhan Life Insurance Company Limited | Bandhan Life iTerm Prime | 86 | 18 to 65 years | Rs. 25 Lakhs to Rs. 20 Crores |
|
| Bharti Axa Life Insurance Company Limited | Flexi Term Pro | 148 | 18 to 65 years | Rs. 25 Lakhs to no limit |
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| Canara HSBC Life Insurance Company Limited | Canara Young Term Plan | 186 | 18 to 45 years | Rs. 25 Lakhs to Rs. 20 Crores |
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| Edelweiss Life Insurance Company Limited | Edelweiss Life Zindagi Plus | 59 | 18 to 65 years | Rs. 25 Lakhs - no limit |
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| Future Generali India Life Insurance Company Limited | Future Generali India Term Insurance Plan | 33 | 18 to 60 years | Rs. 50 Lakhs to no limit |
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| HDFC Life Insurance Company Limited | HDFC Click 2 Protect Super | 1,389 | 18 to 65 years | Rs. 50 Lakhs to Rs. 20 Crores |
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| ICICI Prudential Life InsuranceCompany Limited | ICICI iProtect Smart | 1,950 | 18 to 65 years | Rs. 50 Lakhs to Rs. 20 Crores |
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| IndiaFirst Life Insurance Company Limited | IndiaFirst Life Elite Term Plan | 160 | 18 to 60 years | Rs. 1 Lakh to Rs. 5 Crore |
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| Kotak Mahindra Life Insurance Company Limited | Kotak Life e Term | 321 | 18 to 65 years | Rs. 50 Lakhs to Rs. 10 Crores |
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| Life Insurance Corporation of India | LIC New Tech Term Plan | 18,398 | 18 to 65 years | Rs. 50 Lakhs to no limit |
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| Max Life Insurance Company Limited | Max Life Smart Secure Plus | 1,242 | 18 to 60 years | Rs. 25 Lakhs to Rs. 1 Crore |
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| PNB MetLife India Insurance Company Limited | PNB MetLife Mera Term Plan Plus | 407 | 18 to 50 years | Rs. 50 Lakhs to Rs. 10 Crores |
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| Pramerica Life Insurance Company Limited | Pramerica Life Rock Solid Plan | 30 | 18 to 65 years | Rs. 50 Lakhs to no limit |
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| SBI Life Insurance Company Limited | SBI eShield Next Plan | 1,676 | 18 to 65 years | Rs. 50 Lakhs to Rs. 10 Crores |
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| Shriram Life Insurance Company Limited | Shriram Life Smart Protection Plan | 109 | 18 to 65 years | Rs. 30,000 to Rs. 14 Lakhs |
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| Star Union DAI-ICHI Life Insurance Company Limited | SUD Life Protect Shield Plus | 113 | 18 to 60 years | Rs. 1 Crore to 2 Crore |
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| Tata AIA Life Insurance Company Limited | Tata AIA SRS Vitality Protect | 776 | 18 to 60 years | Rs. 50 Lakhs to Rs. 2 Crores |
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*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 a term insurance premium calculator to estimate the premiums you would need to pay for the desired life cover.
Term Plans
You can easily get in touch with Policybazaar through their Claim Assistance Helpline at 1800-258-5881, log in to the 'My Account' section on Policybazaar’s official website, or simply use their app to get your queries resolved.
Buying term insurance in Uttar Pradesh is crucial for ensuring your family's financial security. Term insurance is affordable and accessible, providing a safety net for your loved ones in case of your untimely demise. In a state with healthcare challenges and rising inflation like Uttar Pradesh, term and life insurance plans offer financial support for medical expenses and protect against the impact of rising living costs. It also provides peace of mind, knowing that your dependents will be financially stable in your absence. With its simplicity and comprehensive coverage, term insurance is a practical solution for the concerns faced by residents of Uttar Pradesh.
Financial Protection for Loved Ones: In Uttar Pradesh, where family ties are strong and responsibilities towards loved ones are of main concern, term insurance provides an essential safety net. In the unfortunate event of your demise, it ensures that your family members are financially secure, maintain their current lifestyle and pay for daily needs.
Affordability and Accessibility: Term insurance plans are one the most affordable types of life insurance plans compared to other insurance options, making them accessible to a broader segment of the population. The 1 Crore term insurance premiums start at just Rs. 473 per month.
Child’s Fees and Remaining Debts: Term insurance in Uttar Pradesh can help nominees pay for the child’s higher education, fund their wedding, or pay for their wedding. Not only that, your family can use the benefit amount to pay off the outstanding loans and debts in your absence.
Tax Benefits: You can claim term insurance tax benefits under sections 80C and 10(10D) of the Income Tax Act, 1961, as per the prevailing tax laws.
Peace of Mind: Term insurance in Uttar Pradesh can help provide individuals with peace of mind, knowing that their family is financially secure in their absence. This allows individuals to live a stress-free life and thus, improve their quality of life.
We help to choose insurance based on your need
†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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