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Recently answer queries on Term with Return of Premium Option

IS THERE ANY PLAN WHERE WE MAY GET PREMIUM AMOUNT REFUNDED AFTER THE END OF INSURANCE PLAN IN CASE OF SURVIVE.

If you need premiums returned at the end of the Policy Tenure, you may opt for Term Plans with Return of Premium like ICICI Prudential Life Guard - Return of Premium, AEGON Religare Save Guard Plan - TROP, Bajaj Allianz Term Care - TROP, Kotak Premium Return Plan, etc. where the premiums are... Read More>>

Asked By: RAJEEV KHURANA
On: 13th May 2013
Answered Within: 1 Days

Hello, I had a term plan with cover up to 75 L ,now I am looking for other saving option .While searching i found about bharti axa ajeevan sampathi plan.Can you suggest me any such policies which will payout after policy tenure for particular period of time. Thanks in advance.

Dear Shantanu,

There are many Term Plans with Return of Premium Option. This is the Survivor Benefit that you get from a variance of Term Plan.

Quite a few of them are good ones, however, what suits you the best you be the best as far as you are concerned.

Some good Term Plans with Return of Premium... Read More>>

Asked By: shantanu_38
On: 11th Jan 2013
Answered Within: 1 Days

I wish to opt best term plan with maturity benefits.. pls let me know best plans in India...

Dear Kapil,

There are many Term Plans with Return of Premium Option. This is the Survivor Benefit that you get from a variance of Term Plan.

Quite a few of them are good ones, however, what suits you the best you be the best as far as you are concerned.

Some good Term Plans with Return of Premium... Read More>>

Asked By: kapil
On: 14th Dec 2012
Answered Within: 1 Days

is there any term insurancce plan in which the sum assured is recovered during the life of policyholder.

Dear Archana,

There are many Term Plans with Return of Premium Option. This is the Survivor Benefit that you get from a variance of Term Plan.

Quite a few of them are good ones, however, what suits you the best you be the best as far as you are concerned.

Some good Term Plans with Return of Premium... Read More>>

Asked By: archana malik
On: 30th Oct 2012
Answered Within: 23 Hours

i want a term insurance plan which pays back the premium after the completion of the term period (without happening of the death). could you suggest me such a plan which is also affordable (in the range 10k-15k per year) - subroto. durgapur

Some of the plans you can look at are -

Tata AIA Life LifePlus is a non-participating term policy that not only provides life cover but also assures the return of premiums paid by you, in case of no claims made during the policy term. The plan offers a term of 20 years with limited pay of 15 years.... Read More>>

Asked By: subroto ray
On: 15th Sep 2012
Answered Within: 14 Hours

Hi. I am 24, Male, Non-smoker. I am looking out for an online, Term life insurance policy with survivor benefits. Typical insurance cover that I might consider is Rs 50 lakh over a 30 year period. Please suggest what is the best scheme available which has survivor benefits upon maturity of...

Dear Nitin,

There are many Term Plans with Return of Premium Option. This is the Survivor Benefit that you get from a variance of Term Plan.

Quite a few of them are good ones, however, what suits you the best you be the best as far as you are concerned.

Some good Term Plans with Return of Premium... Read More>>

Asked By: Nithin
On: 10th Apr 2012
Answered Within: 1 Days

My age is 35 years. Can you suggest what is the best term plan for which I opt for,. Also tell me if there are options available which can also give me some benefits i.e. at older age some returns. Please advise.

Dear Avedhesh,

Now, if you need a Term Plan with maturity benefits, the option available to you would be a Term Plan with Return of Premium(TROP) option.

However, there are many Term Plans with return of premium option. Quite a few of them are good ones, however, what suits you the best you be the... Read More>>

Asked By: Avedhesh
On: 1st Mar 2012
Answered Within: 1 Days

My date of birth is 15/07/1969 (42 years old). I am a government employee. I like to take a term plan with maturity benefits and risk cover of huge amount according to my age. Please advise me which is the best product which I must take. Sunil Kumar Singh, AllahabaD email ID:...

Pure Term Plans are a Protection Plan with no return of premium and hence it is the cheapest plan possible with the highest of life coverage. However, if you want returns as well then obviously the premium amount will also increase considerably such that if you die within the policy term, then your... Read More>>

Asked By: Sunil Kumar Singh
On: 15th Dec 2011
Answered Within: 13 Hours

I am 42 years old (DOB 08/05/1969) a banker by profession. I like to take a term plan with maturity benefits (preferably). Pl advise me the suitable insurance products I should take.

If you are looking at a term plan with return of premium option, you must be a careful investor. Hence you could also try and select a Term Plan, since it is cheaper along an Endowment or a ULIP.

However, there are many Term Plans with return of premium option. Quite a few of them are good ones,... Read More>>

Asked By: DHARMENDRA KUMAR
On: 23rd Nov 2011
Answered Within: 23 Hours

hi, There are few policies like HDC Term Gaurantee..do we have any such policies with other companies?ALl the premium is paid back. ALos do we have any price reduction for online purchses. Regrads Varun

Term Plan is a pure protection plan with no return of premium and hence it is the cheapest plan possible with the highest of life coverage. However, if you want a return of the premium, then obviously the premium amount will also increase considerably such that if you die within the policy term,... Read More>>

Asked By: vaurn
On: 9th Sep 2011
Answered Within: 1 Hour

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