Term Life Insurance
High cover, low premium — instant online quote.
Insurance is the subject matter of solicitation. Premium is indicative and subject to underwriting by the insurer. Finzip Private Limited — IRDAI Corporate Agent (Composite) Regn. CA0985.
Frequently Asked Questions
Does Finzip charge me a fee?
No. Finzip Private Limited is an IRDAI-registered Corporate Agent (Composite), registration number CA0985. The policy is issued by the insurer, and Finzip is remunerated by that insurer in accordance with IRDAI regulations. You pay only the premium set by the insurer.
What do I need to hand to get a quote?
Your date of birth, whether you use tobacco, and the sum assured and term you have in mind. That is enough for indicative premiums. Income proof, identity documents and health declarations come later, once you choose a plan.
Will I need a medical test?
Often yes, depending on your age, the sum assured and your declared health. Many insurers arrange the test at home at no cost to you. Where a test is required, the final premium is confirmed only after underwriting, so the quoted figure can change.
How long does a term policy take to issue?
Where no medical test is needed, issuance can be quick — often within a few days of completing the application and paying the premium. Where underwriting or a medical is involved, expect longer; the insurer will tell you what is outstanding at each stage.
Which insurers can you place my policy with?
Finzip is registered with IRDAI as a Corporate Agent (Composite), which permits us to place business with up to nine insurers in each category — life, general and health. We show you options from our panel rather than a single insurer’s products.
