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How to Compare Term Insurance Plans Online 2026
Term Insurance Compare - online aggregators. ₹1Cr+ for ₹500-1,500/month. Free.
📁 Insurance
⏱️ 30-60 mins
💰 Free Comparison
Visit Official Portal →
About This Guide
Compare term insurance plans online via aggregators (PolicyBazaar/Coverfox/Acko). Best premium for ₹1Cr+ cover. Pure life cover (no investment). 30-40 year tenure. ₹500-1,500/month for ₹1Cr+. Free comparison.
Eligibility Criteria
- Indian resident 18+
- Income earner
- Aadhaar mandatory
- PAN
- Health declaration
Documents Required
Keep these documents ready before starting application. Missing documents = delayed approval.
- Aadhaar
- PAN
- Income proof (3 years)
- Salary slip
- Health questionnaire
- Address proof
- Bank account
- Photo
Step-by-Step Application Process
Follow these steps in order. Each step is critical - skip none.
Visit Aggregator
PolicyBazaar/Coverfox/Acko.
Personal Details
Age, smoker, occupation.
Cover Amount
10-15x annual income.
Compare Plans
Multiple insurers ranked.
Choose Best
Premium + claim ratio.
Apply Online
Direct or aggregator.
Health Declaration
Honest disclosure.
Medical Test
High cover only.
30-90 Days Underwriting
Acceptance.
15-Day Free Look
Cancel if unsuitable.
Key Benefits
- Free comparison
- Multiple insurers
- Best premium
- Online apply
- 15-day free look
- Tax 80C eligible
- Pure life cover
- IRDAI-regulated
What Happens After Application?
30-90 days for policy.
Frequently Asked Questions
Smoker premium higher?
YES - 25-50% higher. Honest declaration critical.