70 Lakhs Term Insurance Plan

Rs. 70 Lakh Term Insurance Plan can be your ultimate savior if you want to provide your dear ones with the much-wanted financial support. The plan would take care of your family in your absence and ensure that their needs are not compromised due to lack of money.

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Term insurance is one of the most popular life insurance policy types. Widely sought after for safeguarding the finances of the family in the absence of the breadwinner, term insurance is the ultimate way to avoid financial issues. Term insurance provides the family members or beneficiaries with a significant amount in the case of the death of the life insured. It also supports the family in child's higher education, marriage and other life goals.

What is Rs. 70 Lakh Term Insurance?

High sum assured is the perfect term insurance investment solution for people who have a long list of financial goals and responsibilities to fulfill. If you are one of them but do not want to opt for an Rs. 1 Crore term plan, choosing Rs. 70 Lakh Term Insurance would be a good decision.

Rs. 70 Lakh Term Insurance is a term insurance plan that provides Rs. 70 Lakh sum assured. The amount of Rs. 70 Lakh is provided to the family or the beneficiary appointed in the case of the death of the policyholder. Easily available at a reasonable premium rate, the Rs. 70 Lakh term insurance plan will become your family’s best support system and keep them free from stress even if you are not there to provide.

Best Rs. 70 Lakh Term Insurance Plans

Given below is the list of the five best Rs. 70 Lakh term insurance plans. It must be noted that the term policy details may vary as per the variant chosen -

Plan Name

Min. & Max. Entry Age (in years)

Max. Maturity Age (in years)

Policy Term (in years)

Min. Sum Assured (in Rs.)

PPM*

PPT**

HDFC Click 2 Protect Life

18-65

Whole life

10 - Whole life

50,000

Annual, Half-yearly, Quarterly, Monthly

Single Pay, Limited Pay, Regular Pay

PnB MetLife Mera Term Plan Plus

18-60

99

10 - 99 minus entry age

10 Lakh

Yearly, Half Yearly, Quarterly, Monthly

Single Pay,

Limited Pay (5, 10, 15, 20 Years, Pay Till Age 60 Years),

Regular Pay

Canara iSelect Star Term Plan

18-65

99

5-62

15 Lakh

Annual, Half-yearly, Quarterly, Monthly

Single Pay, Regular Pay, Limited Pay

Edelweiss Tokio Zindagi Plus Plan



18-65

80

10 - 80 minus age at entry

25 Lakh

Annual, Semi-annual, Quarterly, Monthly

Regular Pay, Pay Till 60 Years

Kotak e-Term Plan

18-65

75

5 - 75 minus entry age years

25 Lakh

Yearly, Half-yearly, Quarterly, Monthly

Single Pay, Regular Pay, Limited Pay (5, 7, 10, 15 Years)

*Premium Payment Mode, **Premium Payment Term.

  • HDFC Click 2 Protect Life

Click 2 Protect Life by HDFC Life is a comprehensive term or protection plan. Simple yet dependable, Click 2 Protect Life is a reasonable option that a policyholder can invest in to safeguard the financial future of their beloved family members after their demise. An excellent amalgamation of superior features and benefits, the Click 2 Protect Life plan offers death benefits, surrender benefits as well as tax benefits.

While the minimum and maximum entry age for the plan range between 18 years to 65 years, the maximum maturity range stands at Whole Life. One of the key aspects to note about the plan is that it comes with the option of reducing the premium payment term from regular pay to limited pay. The plan also provides the policyholder with the option of enhancing their base policy benefits through riders like Income Benefit on Accidental Disability Rider and Critical Illness Plus Rider.

  • PnB MetLife Mera Term Plan Plus

Mera Term Plan Plus by HDFC Life is one of the most popular term insurance plans. It is an individual, non-linked, non-participating, pure risk premium, life policy that helps you secure all your life goals without compromising due to financial constraints. The policy not only offers protection against death, but also critical illness, disability, and terminal Illness, etc. additional options like spouse coverage and whole life cover are also available under the plan.

The minimum entry age under the plan is 18 years, while the maximum is 60 years. The maximum maturity age is 99 years. The policy provides the policyholder with the freedom of choosing any of the plans like Life, Life Plus, and Life Plus Health Benefit options. The policyholder can not only choose payment flexibility, but also opt for Return of Premiums by paying an additional premium price. Other than Step Up Benefit, Life Stage Benefit, the insured can choose Child Education Support Benefit by paying a little extra amount.

  • Canara iSelect Star Term Plan

iSelect Star Term Plan by Canara HSBC OBC is an excellent term insurance plan. Affordable and dependable, the policy is a boon for those looking forward to protecting their loved ones financially after they are no longer with them to provide. The plan takes care of the family members of the life assured in the uncertain times by providing the financial cover they need at that time. The plan is rich in its features and benefits.

While the minimum & maximum entry age fall in the range of 18 years to 65 years, the maximum maturity age is 99 years. The iSelect Star Term Plan offers whole life coverage, spouse cover in the same policy along with multiple premium payment options. The policy also comes with the option of availing return of premium benefit in which all the premiums are returned once the policyholder survives the policy tenure.

  • Edelweiss Tokio Zindagi Plus Plan

Zindagi Plus Plan by Edelweiss Tokio is a great option for people looking for a high sum assured amount in their term plan. The term plan is superb at providing financial security to the family members of the policyholder. The policy not only covers COVID-19 death claims, but also provides Better Half Benefit Option, discounts on high sum assured, and flexibility in premium payment options.

Anyone aged between 18 years to 65 years is eligible to buy the plan as its minimum and maximum entry age allow the same. The maximum maturity age of the plan is 80 years. The plan provides life cover without any medical tests. Also, the Zindagi Plus Plan allows the policyholder to choose the Waiver of Premium Benefit option to take care of the premiums if the policyholder gets diagnosed with a covered critical illness. The life assured can also enhance their coverage benefits by opting for riders like Accidental Death Benefit Rider, Accidental Total & Permanent Disability Rider, Critical Illness Rider, and Hospital Cash Benefit Rider.

  • Kotak e-Term Plan

e-Term Plan by Kotak Life is a pure protection term insurance plan. Specifically designed to assure the policyholder’s family of financial stability after the death of the life assured, the policy provides high level financial protection to your loved ones in the uncertain times at an affordable premium cost. The plan gives death benefit as per the plan opted in the event of the policyholder's death during the policy term. Moreover, the plan comes at special premium rates for women as well as non-tobacco users.

The minimum and maximum entry age for the policy stand at 18 years and 65 years. The maximum maturity age is 75 years. The plan provides a large coverage to the policyholder under its multiple options like Life Option, Life Plus Option, and Life Secure Option. Flexible payouts are yet another significant feature of the plan. The riders available under the plan include Critical Illness Rider that covers 37 critical illnesses.

Who Should Buy the Rs. 70 Lakh Term Insurance Plan?

If you are highly concerned about your family and wish them to spend a financially stable life even after you are not by their side, go for a Rs. 70 Lakh term insurance plan. The Rs. 70 Lakh plan you choose will provide extra protection to your loved ones and help them attain their financial goals without finding finances a major hindrance. The massive amount of Rs. 70 Lakh will definitely help you, as a sole breadwinner, in ensuring that none of your dear ones suffer from financial issues in managing expenses related to your child’s education, house purchase, child’s marriage, travel and more.

Why Buy Rs. 70 Lakh Term Insurance from InsuranceDekho?

Below mentioned are a few key reasons to buy Rs. 70 Lakh term insurance from InsuranceDekho:

  • Easy & Quick Policy Issuance - At InsuranceDekho, the process of policy issuance is easy and fast. We ensure that none of our policyholders have to struggle while getting their policy issued.
  • Vast Product Array - When it comes to term insurance policy options, InsuranceDekho has always a varied range of products to offer. We are partnered with the best term insurance companies and therefore, leave no stone unturned in offering a broad array of policies for all.
  • Paperwork Not Required - We, at InsuranceDekho, do not indulge our clients in a struggle with paperwork while purchasing their policy. You will not find paperwork during your policy purchase.
  • Dedicated Customer Support - InsuranceDekho is a platform that ensures that its customers’ concerns are addressed and resolved within time. We strive to provide a seamless experience and put our best foot forward in ensuring that our customers do not face any hassle right from policy selection to claim settlement and thereafter.

Term Insurance Premium Calculator

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Disclaimer :
1. Premium has been calculated for coverage till 70 years
2. Eligibility depends on income, occupation and educational qualification

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