Exploring buying term insurance

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What medical tests do I need to take for my term insurance application?

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Should I disclose my mental health history while buying a term plan?

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Can you buy a term plan without medicals? Should you?

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Will your family health history affect your term insurance premium?

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What if your term insurance policy gets declined on medical grounds?

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Do I have to pay for medical tests during term insurance application?

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What is rate-up? Will it apply to you? If so, when?

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What factors can impact your term insurance premium?

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Can my premium increase after making my first payment?

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What channel should you use to buy a term plan? Why?

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How to ensure that only my spouse gets my life cover?

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What documents do you need to buy a term plan?

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What is underwriting and why does an insurer do this?

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How much time does it typically take to get a term insurance policy?

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Can my term plan application get rejected even if I am eligible to get one?

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Will filing a claim be painful if I buy a term policy online?

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Until what age should you ideally be covered?

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Why should I stay covered by my term insurance policy only till I retire?

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How much life cover do you need?

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Should I use the rule of thumb to calculate my life cover?

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Should I use life cover calculators to decide my term insurance life cover?

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What premium payment term should you choose?

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How frequently will you be expected to pay premiums?

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Can I change my premium payment frequency after buying a term plan?

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How Does My Family Get Term Insurance Payout?

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Who can be appointed as nominee(s) to your policy?

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Should you buy a policy covering you up to 99 years?

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Is it okay to split buy from two insurers to de-risk?

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Can I nominate my live-in partner on my term insurance policy?

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Which is better: Term plan with lower cover, higher term or higher cover, lower term ?

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My spouse has a term policy, do I need one too?

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Can I nominate my same sex partner on the policy?

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How do I ensure my minor child gets my life cover?

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What is the impact of consuming alcohol on term insurance?

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Is vaping bad for your health?

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Is smoking weed bad for your health?

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Why do I need to buy an individual term plan when my employer already covers it?

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How should I select my insurer?

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I am in my 40s. Can I still save on term insurance premiums now?

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Should I buy a Waiver of Premium Rider?

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What are the benefits of a Critical Illness Rider?

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Why should I get an Accidental Death Benefit Rider?

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Is it worth buying a Permanent Disability Rider?

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What is a Terminal Illness Rider and why do I need it?

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What is Return of Premium Rider? Should I get it?

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How does a Hospital Care Benefit Rider help me?

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Am I eligible for term life insurance?

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I am a homemaker. Will I get a term life policy?

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I am being treated for my mental health. Am I eligible to buy term insurance?

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I'm transgender. Am I eligible for a term policy?

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I am an NRI, can I buy term insurance?

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Can I buy a term life plan when I'm pregnant?

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Disclaimer: HDFC Life Insurance Company Limited (“HDFC Life”) CIN: L65110MH2000PLC128245, IRDAI Reg. No. 101.
Registered Office: Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011.
ARN: INT/ST/08/23/4264

HDFC Life | Privacy policy | Terms & conditions

The tools and calculators available on this website, like the Term Guide, Underinsurance Checker, and Premium Comparer, (the “Tools”) are indicative tools and are meant to provide a general estimate for your life insurance planning. The results are based on limited facts provided by you, hence HDFC Life Insurance Co. Ltd. (“HDFC Life”) cannot guarantee the accuracy, adequacy, reliability or completeness of any information, computation or recommendation provided by the Tools. By using these tools you provide your consent to HDFC Life to store, process, analyse, or use the data collected from you and you waive your rights you may have in this regard. HDFC Life shall not be liable or responsible for any errors, inaccuracies or omissions or for any loss or damages suffered by any person in connection with the use of or reliance on the Tools. The Tools do not and are not intended to provide any investment, legal, tax or accounting advice. Results from the Tools are not an indication that the product and/or service will automatically be offered by HDFC Life and we reserve the right to offer our product or change information or features of the product and/or service listed at any time without notice. The Tools are the property of HDFC Life and are protected by applicable intellectual property laws. No reproduction, sale, publication, modification, dissemination or commercial exploitation of the Tools or information provided by the Tools is permitted.

HDFC Life Insurance Company Limited (“HDFC Life”) CIN: L65110MH2000PLC128245, IRDAI Reg. No. 101.
Registered Office: Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011.
ARN: INT/ST/08/23/4264

Exploring buying term insurance

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