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Life is beautiful, but also uncertain. We can never predict what could happen the very next moment. In such cases, the financial security of the family becomes most important. One such security medium is life insurance. Read More

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What is Life Insurance?

 

Life is beautiful, but also uncertain. We can never predict what could happen the very next moment. In such cases, the financial security of the family becomes most important. One such security medium is life insurance.
 

“Life Insurance” is defined as a financial product that pays you or your dependents a sum of money either after a set period or upon your death. In other words, life insurance is an insurance tool or a provision that helps you secure your family’s financial future by getting adequate risk cover for your life. In return, you pay a particular premium amount to the insurance provider and can be rest assured that your family will be financially secured even in your absence.

Why is Buying a Life Insurance Policy Essential?

Life is beautiful, but also uncertain. We can never predict what could happen the very next moment. In such cases, the financial security of the family becomes most important. One such security medium is life insurance. 

“Life Insurance” is defined as a financial product that pays you or your dependents a sum of money either after a set period or upon your death. In other words, life insurance is an insurance tool or a provision that helps you secure your family’s financial future by getting adequate risk cover for your life. In return, you pay a particular premium amount to the insurance provider and can be rest assured that your family will be financially secured even in your absence.

Important Life Insurance Terms You Must Know

Before you purchase a life insurance policy, it is important that you understand the policy entirely before you purchase the plan. Some of the terms you should know are:
 

  • Policyholder
    An individual who has bought a life insurance plan and pays the premiums towards the plan is called the policy holder.
     
  • Life assured
    It is the individual who is insured or protected through the plan.                                                                                                                       
  • Term plan with return of premium option
    A term plan with return of premium enables the policyholder to receive a maturity benefit of all the premiums paid towards the policy, after the policy term ends.
 
  • Nominee
    Nominees are the people who will receive the life insurance payout along with other benefits in the event of an eventuality. The policyholder will have to include the beneficiaries in their insurance policy when purchasing it.
 
  • Policy tenure
    The duration for which the policyholder will get the coverage is called the policy tenure.
 
  • Premium
    Premium is the amount that individuals have to pay to the insurance company for keeping the policy intact.              
  • Sum assured
    The sum assured is the pre-determined maximum claim amount payable to the policyholder/nominee. The policyholder will have to specify the sum assured when they purchase the plan.
 
  • Death benefit
    The death benefit is the amount the policyholder’s nominees will get if the policyholder passes away during the plan’s tenure.

Why Should You Buy a Life Insurance Policy?

Why Should You Buy a Life Insurance Policy?

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Secure Family’s Financial Future

Life insurance plans cover you against the unfortunate event of death and provide the entire sum assured to the nominees/beneficiaries of the policyholder. The inner peace of knowing your loved ones’ financial future is secure, is unrivalled.

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Protection against Critical Illness, Accidents & Disabilities Protection against Critical Illness, Accidents & Disabilities

A rider is an add-on cover to the base policy that provides additional benefits. Most Life Insurance plans, offer optional riders, for extra protection against Critical illnesses, Accidents & Disability. Riders can be opted for by paying a small additional premium along with the base plan.

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Tax Benefits³ u/s 80(C) & 10(10D)

You can avail tax benefits³ on premium paid and death benefit received under the policy as per Section 80C and Section 10(10D) of the Income Tax 1961, respectively.

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Retirement Planning

A life insurance policy is an ideal way to accumulate wealth over the term of the policy and use the funds during your retirement years. With a life insurance plan that offers savings and investment options, you can choose from various plans that will help you make a financial plan for your future when you no longer have a steady flow of your salary income.

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Protection from the Burden of Debt

If you have taken a loan, a life insurance plan can ensure that in your absence, the burden of repaying the loan should not have to be shouldered by your family. Hence, they can use the benefits of life insurance to fulfil their own financial needs and also do away with pending loans, in case you are unable to fulfil them.

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Backup Provision for the Future Challenges

Lifestyle and education costs are continually rising. Quality education nowadays needs a bunch of money, and the fees structure keeps going high for premium institutes. Money received through life insurance can be utilized for your child’s education.

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Flexibility & Convenience

Most life insurance policies, offer choice in terms of sum assured, policy term, premium payment term, premium payment frequency, benefit pay out options, rider attachments, and many more, which can be chosen as per your convenience.

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Affordability

Life Insurance plans come with affordability. The cost of a life insurance policy is typically based on factors such as your age, gender, health, and lifestyle. This means that if you are young and healthy, you may be able to get a relatively inexpensive policy. 

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Benefit Payouts

In case of claims made on the demise of the life insured, or even at the end of the tenure, the policy benefits are paid to the nominee / life assured. In some cases, you can choose monthly pay outs which can act as income for long term.

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Riders⁹

Some events may not be covered in the life insurance policy that you purchase. You can choose riders to get additional protection against critical illness, accidental death, permanent or partial disablement and so on. For riders offered by Edelweiss Life Insurance, please refer the below section.

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Return of Premiums

By choosing the Edelweiss Life Total Protect Plus term plan with return of premium option, you can avail of the sum of all the premiums as a survival benefit at the end of the plan. Hence, not only do you receive life insurance coverage during the policy term, but you can also get back all the premiums paid during the policy term.

Why Should You Buy a Life Insurance Policy?

Feat-01

Secure Family’s Financial Future

Life insurance plans cover you against the unfortunate event of death and provide the entire sum assured to the nominees/beneficiaries of the policyholder. The inner peace of knowing your loved ones’ financial future is secure, is unrivalled.

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Protect your future with a personalized plan that provides steady, guaranteed¹ returns

  • Guaranteed¹ regular income and / or guaranteed¹ lump sum on maturity

  • Financial protection to your family in case of your untimely death

  • Flexibility to customize your plan with various Policy Term, Premium Payment Term options

  • Availability of 6 Riders⁹ to enhance your protection

Various Types of Life Insurance

 

There are numerous variants of life insurance policies available in the country that will suit the different requirements of the customers. Before buying a life insurance plan, you must learn about its features in-depth.
 

  • Term insurance:
    A term insurance is an insurance policy that provides one of the purest forms of insurance coverage. Term insurance plans provide a high sum assured at affordable premium plans. If the policyholder passes away during the pre-defined tenure of the plan, their beneficiaries will get the coverage. If the policyholder opts for a return of premium term plan and survives the policy tenure, a maturity benefit will be paid out, which is the total of all premiums paid till date.
  • Guaranteed savings plans:
    A guaranteed savings plan provides policyholders with insurance coverage along with the ability to build, save and earn a guaranteed financial corpus. With a guaranteed savings plan, if you pass away during the plan's tenure, your beneficiaries will get the sum assured. If you survive the plan's term, you get guaranteed returns from the plan as a maturity benefit.
  • Unit Linked Insurance Plans (ULIPs):
    A unit linked insurance plan (ULIP) is an insurance-cum-investment policy that will provide the policyholder with the dual benefits of insurance coverage and market-linked returns. Therefore in these plans, the premium amount paid by the policyholder is used for two benefits. The first part is used for life insurance coverage, while the second part is used for market-linked securities based on the policyholder's suitability and risk profile. Investment plans also allow individuals to switch between their investments during the plan's tenure.
  • Health plans (critical illness):
    A health insurance plan is an insurance policy that assists the policyholder in dealing with the medical expenses and the costs attached to the treatment of an illness. The health insurance plan is quite beneficial for dealing with the rising healthcare costs and protecting your savings.
  • Group life plans:
    A group life insurance is a life insurance plan that offers affordable life insurance to a group of individuals like employees or members of an organization. Employers usually provide life insurance to their employees through a single Master Life Insurance. A group life plan is an effective way to ensure the safety of a company's employees.
 
Basis Term plan Guaranteed savings plan ULIPs Group life plan
Policy term Generally, ranges from 5 to 50 years Generally, ranges between 10 years to 35 years. Term ranges from 10 years to 20 years. Generally, when an employee retires from the organization.
Maturity benefits Maturity benefit is paid on survival only if a return of premium term plan is chosen. You will be paid maturity benefits if you survive the tenure. You can get the maturity benefits at the end of the policy as survival benefits. Does not offer any maturity benefit.
Death benefits If you pass away while your plan was active, your beneficiaries will get the death benefit. The death benefit is provided to beneficiaries when the policyholder passes away. The beneficiaries will get the death benefit if the policyholder passes away when the plan was active. If a member passes away during term of the plan, they get death benefits.
Optimal for Term plans are optimal for individuals who are looking to safeguard their loved ones at affordable costs. Ideal for individuals who want insurance coverage along with guaranteed returns from the investment. Ideal for individuals who wish to earn market-linked returns and get insurance coverage for their loved ones as well. Optimal for companies and organizations that wish to safeguard their employees.

How Much Life Insurance Cover Do I Need?

 

To estimate life insurance cover amount you need, you must:

1. Factor in the monthly expenses and lifestyle costs of the individuals dependent on you.Plan a retirement net for your spouse. It will help your spouse spend their golden years without worrying about money.

2. Calculate the number of liabilities you hold – outstanding debt obligations, loans, etc.

3. Evaluate different life goals and events of the individuals dependent on you. You must factor in events like your children’s educational future, higher education, marriage, etc.

4. Plan a retirement net for your spouse. It will help your spouse spend their golden years without worrying about money.

5. Calculate your existing wealth that exists in savings and investments. You can deduct this amount from your cover.
 

What is Life Insurance Premium?

 

The premium in a life insurance policy is the amount that a policyholder pays to the insurance company periodically. These payments are made to ensure that their insurance policy stays in effect. The premium amount is calculated by the insurance company and will depend on different factors like:

  • Type of plan
  • Age of the Policyholder
  • Gender of the Policyholder
  • Medical History of the Policyholder
  • Lifestyle Habits of the Policyholder (Smoking, Alcohol, etc.)
  • Occupation of the Policyholder
  • Riders opted for

If the policyholder skips out on making the premium payment on time, their policy may lapse and the insurance coverage stops. Insurance companies have made provisions to allow policyholders to make the premium payments as per their suitability. Policyholders have the flexibility of choosing the premium payment mode (Single Pay, Limited Pay or Regular Pay) and premium payment frequency (monthly, quarterly, half-yearly, or annually).
 

How Can You Save Tax³ with a Life Insurance Plan?

 

Life insurance is one of the primary and essential requirements of ensuring a financially balanced and comfortable life for your loved ones. The death benefits that come with life insurance help your family build a safe and safeguarded future, even in your absence. Moreover, under Section 80C and 10(10D) of the Income Tax Act, there are income tax benefits³ on life insurance. Under section 80C, premiums that you pay towards a life insurance policy qualify for a deduction up to ₹1.5 lakh, while Section 10(10D) facilitates income on maturity benefits/death benefits without any tax liabilities³ subject to prescribed criteria.

 

If the premium amount is greater than 10% of the sum assured on death, the deduction will be applicable only on the amount equivalent to 10% of the sum assured.

 

The maturity benefits are also eligible for tax benefits³ if the premium amount is 10% or less of the sum assured on death. 
 

Life Insurance Riders and Their Importance

 

A life insurance rider is additional insurance coverage that you can include in your insurance policy. When you include a life insurance rider in your plan, you will be covered for specific situations. With a rider's help, you can enhance the coverage you get through the plan. Including a rider will mean a hike in your premium amount, based on the rider you choose. Therefore, you must choose your riders carefully. 
 

Some of the riders Edelweiss Life provides are:

Life Insurance Riders and Their Importance

 

 

 

Reasons Why Buying Life Insurance Online is a Good Idea

 

The Internet has changed the world drastically and, due to the widespread connectivity, the number of people who buy insurance online is increasing. One of the primary reasons for purchasing insurance online is that communication between the Customer and Company is directly leading to transparency and clarity. The process of buying life insurance online is hassle-free, paperless, and usually cheaper.

Moreover, with the ongoing threat and spread of the COVID-19 pandemic, buying life insurance online is a great way to avoid unnecessary contact and avail of a life insurance cover from the safety of your home.

Steps to Buy Life Insurance Plans Online

Steps to Buy Life Insurance Plans Online

Step 1 : Determine which plan you wish to buy

Depending on your need, you may buy any life insurance policy offered by insurers. For example, if you want a pure life cover, then you may buy a term insurance plan. If you need life cover and savings option in a single plan, then then you may think of buying a ULIP.

Step 2: Choose your life cover

Usually, life insurance cover needs to be at least 10 times your annual income, when it comes to term insurance plans. Else, you can choose the suitable sum assured, bearing in mind the death benefits you may need to safeguard your family’s financial interests.

Step 3: Calculate your premium

Today, premium calculators have made this task easy. You need to enter a few details as required, and the calculator will show you the exact premium amount you will have to pay towards the best suitable life insurance policy.

Step 4: Fill the proposal form

Fill the proposal form with the basic details that are required to issue a policy. Here your contact details, health-related information, as well as hobbies/habits need to be disclosed.

Step 5: Make payment

You have the flexibility of paying your premiums in different modes, such as- yearly, half-yearly, monthly, or one-time lump sum amount. The premium can be paid using a credit / debit card, net banking, or online wallets.

Step 6: Submit the documents

Proofs of your personal information, address, photo, along with medical documentation and income in some scenarios may be needed to purchase the policy.

Documents Required for Buying Life Insurance Policy? 

 

If you wish to buy your life insurance plan smoothly, you must ensure that you provide all the relevant documents needed for the purchase. The documents required for buying the life insurance policy are:

1. Income certificate: It is required to estimate the sum assured or the cover which would be offered to the insured. You can provide your ITR documents, salary slips, etc.

2. Address proof: You can provide any legal documents that withhold information about your residential address.

3. Identity and age proof: You can provide documents like your PAN card, Aadhaar card, Voter ID card, etc.

4. Medical certificates: Test reports of the medical checkup mandated by the insurance company or the set of existing medical reports for any pre-existing medical condition or ongoing treatment.

5. Other relevant documents: These may differ for different life insurance plans and providers.
 

How to File Life Insurance Claim?


The steps you must follow while filing a claim with Edelweiss Life Insurance are:
 
  • Contact Edelweiss Life Insurance through our authorized support channels.
  • Or you can visit our Claim Intimation page.
  • Provide all the relevant details regarding the claimant, the policy and the life assured.
  • Fill out the claim settlement form (offline or online).
  • Provide all documents required.
  • Relax while we check the claim documents and process your request.
 
  
Documents required for claim settlement:
 
  • Original Policy Documents
  • Copy of the Original Death Certificate
  • Cause of Death Certificate
  • Certificate from the hospital and the treating doctor (if the life assured was hospitalised)
  • Medical Records of treatment and hospitalisation
  • FIR / Panchnama / Police Report / Inquest Report (if it’s an ongoing police investigation)
  • Post-Mortem Report (if conducted)
  • Copy of life assured’s Driving License (if death occurred due to a vehicular accident)
  • Copy of Claimant’s/Beneficiaries’ documents (Identity and Address Proofs)
  • Any other documents as required by the insurance company
 
For more details regarding the documents required for claim filing and other details, visit our Claim Intimation page.

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What Makes Edelweiss Life Insurance Your Ideal Partner?

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99.23%**

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Life Insurance Calculators to Plan for Your Financial Goals

 

Edelweiss Life provides a host of insurance calculators on their website to assist insurance buyers with their purchases.

For instance:  Term Insurance Calculator
 

To use the calculator, you must:

  1. Go to the product page of the plan you wish to purchase.
  2. Click ‘Get Quote’.
  3. On the calculator, you must enter details like gender, name, birth date, income, etc.
  4. After you’ve provided these details, the calculator will provide you with the premium amount.
  5. If you’re satisfied with the amount, you can go ahead and purchase the plan.
  6. You can also modify the details you enter which will help you understand how different factors affect the premium amount. 

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Why is it important to buy life insurance?

The need for life insurance is not just getting financial security to your family in the event of your unfortunate demise, but also peace of mind in terms of post-retirement life sustenance. The maturity benefits/death benefits received from life insurance can be used to settle liabilities and take care of the family’s lifestyle. The corpus can also be utilized to finance your children’s education and other needs. Life insurance protects your family and Lets you leave them an income without tax liabilities³, at the time of death amount at the time of death.

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There are several life insurance benefits that you can avail by purchasing the best suitable policy.

  • Pure life insurance like Term insurance plans come at considerably low cost but significant benefits in terms of death benefits. It is always advised to get a term insurance policy if you are on the threshold of your career and life. Couple term insurance policies like Edelweiss Life – Zindagi Protect, are also good to have, especially for newly married youngsters.
  • Death benefits are paid in case of the demise of the life insured within the policy tenure. If the person survives the tenure within a life insurance plan like a Guaranteed Returns Insurance Plan or a Market-linked Insurance Plan, maturity benefits along with accrued investment corpus or bonus are paid, if any depending upon a plan selected.
  • Tax benefits³ of life insurance are also helpful as you save on spending your hard-earned money on taxes. Tax benefits³ are applicable under Section 80C and Section 10(10D) of the Income Tax Act.
  • Basis your risk appetite, you can purchase an endowment plan or a ULIP to get benefited from steady savings and investment plans. Pension plans also help you achieve long-term financial goals as well as retirement goals.

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The average life insurance cost per month is subject to the plan you choose to buy. The premium cost also differs basis the life insurance amount you choose, i.e., the sum assured. Since all the policies, except term plans, offer cash-value benefits; the factors influencing the premium amount can be enlisted as-

  • Your age and gender
  • The amount of cover you need
  • Health conditions & medical history
  • Smoking/drinking habits
  • Hobbies, habits of life-threatening activities
  • Tenure of the policy
  • Riders you choose

Usually, premiums of the life insurance policy include all the processing fees and charges such as premium allocation charges, fund management fees, paperwork, etc.

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There is no specific age to buy a life insurance policy as there is nothing precious than life. However, it is more important to secure your loved ones' financial future if they were to live without you. The early you buy the life insurance policy, the more corpuses you can accrue.

  • Usually, term insurance is the best if you are looking for life insurance for youngsters, as it comes at affordable premiums and offers considerably high sum assured.
  • Life insurance for parents can also be chosen as soon as possible, as old age premiums are higher
  • If you are the sole breadwinner in the family, life insurance for working professionals is necessary to have. This not only secures your spouse’s financial future but also of your child and parents.
  • It is also advised to have more than one policy, especially if you have any liabilities to pay off. Buying term insurance as pure life insurance and any other money-back insurance policy, will surely help you achieve your future financial goals along with adequate coverage.

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The process of claim settlement consists of three necessary steps.

On the demise of the life insured, in this case, to be specific- you; the family needs to inform us or the insurance company from which the life insurance policy had been purchased.

The proofs of the demise need to be provided to the insurer in terms of the death certificate or any equivalent document if required.

The insurance company then analyses the proofs submitted by the family, checks whether the claim made fulfills the policy terms and then insurance claim settlement happens by paying as per policy terms & conditions.

Life insurance claim settlement is increasing nowadays, as awareness is being created to disclose all the facts related to health and habits.

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There are usually a few cases that are not covered under the base life policy. Here, life insurance riders help you get additional coverage against certain events.

What are the riders? It is nothing but a provision that helps people meeting specific or additional insurance needs at some extra premium. Usually, critical illnesses, permanent or partial disability etc. are not covered under the base plan. In such cases, riders help you get total coverage including a list of critical illnesses and partial disability occurring due to multiple accidents. The accidental death benefit or waiver of the premium rider also helps a lot in case of the unfortunate demise of the insured person or if he/she meets any severe accident, resulting in disability. In such cases, regular income needs to be processed to sustain the lifestyle of the insured’s family.

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Life insurance coverage may depend on your financial goals and needs. While deciding the cover, it is important to remember that the objective of insurance is to provide financial support to your family and/or dependents, in case you (as the primary breadwinner) are no more or are unable to earn because of a permanent disability or illness. The life cover you decide on should be adequate to help your family maintain the standard of living you would have provided for them always.

 

So be sure to do your research and calculate well to ensure you acquire the best life insurance possible as per your needs.

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** - Claim statistics are for Financial Year 2023-24 and is computed basis individual claims settled over total individual claims for the financial year. For details, refer to Public Disclosures in our Website.
^³ - Excellence in CX-2022 has been received at the 3rd Edition of The Economic Times CX Summit. This award has been given to those organisations who have demonstrated excellence in Customer Experience in FY22.

0 - Provided the premium paying term is more than or equal to 10 years.

1 - This is applicable only if all due premiums are paid and the policy is inforce.

2- Policy loan are subject to terms & conditions of the product. Refer product brochure for more details.

3 - As per provisions of Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.

4- Discount for large Sum Assured is available depending on the Sum Assured, policy term and premium paying term.

5- Premium calculated is for a 25 year old, male with DOB 01/01/1996, single, non-smoker, for a policy term of 20 years with 1CR life cover, whose premium is Rs. 5853/year that comes up to Rs.16/day, exclusive of taxes. The distribution channel is Online Sales, UW status is Medical, option chosen is ‘Lumpsum’.

9- Riders are Optional and available at extra cost.

The Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year.

Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors.  The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. Please know the associated risks and the applicable charges from your Personal Financial Advisor or the Intermediary or policy document of the Insurer. The premium paid in unit linked life insurance policies are subject to investment risk associated with capital markets and the unit price of the units may go up or down based on the performance of investment fund and factors influencing the capital market and the policyholder is responsible for his/her decisions. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. 

Edelweiss Life - Zindagi Protect is An Individual, Non-Linked, Non-Participating, Pure Risk Premium/Savings, Life Insurance Plan. Please know the associated risks and the applicable charges from your Personal Financial Advisor or the Intermediary. Tax benefits are subject to changes in the tax laws. The tax benefits under this Policy may be available as per the prevailing Income Tax laws in India. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. UIN: 147N078V02

Edelweiss Life - Accidental Total and Permanent Disability Rider is only an Individual, Non-Linked, Non-Participating, Pure Risk Premium, Health Insurance rider.  UIN 147B001V04

Edelweiss Life - Hospital Cash Benefit Rider is only the name of an Individual, Non-Linked, Non-Participating, Pure Risk Premium, Health Insurance Rider. UIN 147B006V03

Edelweiss Life - Critical Illness Rider is only the name of the Individual, Non-Linked, Non-Participating, Pure Risk Premium, Health Insurance rider. UIN 147B005V04

Edelweiss Life - Accidental Death Benefit Rider is only the name of an Individual, Non-Linked, Non-Participating, Pure Risk Premium, Health Insurance Rider. UIN 147B002V04

Edelweiss Life - Waiver of Premium Rider is only the name of the Individual, Non-Linked, Non-Participating, Pure Risk Premium, Health Insurance rider. UIN 147B003V05

Edelweiss Life – Income Benefit Rider is only the name of an Individual, Non-Linked, Non-Participating, Pure Risk Premium, Life Insurance Rider. UIN 147B015V02

Edelweiss Life – Payor Waiver Benefit Rider is only the name of the Individual, Non-Linked, Non-Participating, Pure Risk Premium, Life Insurance Rider.  UIN 147B014V05

ARN No: CP/3491/Oct/2023 

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