Life Insurance

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Life Insurance

What is Life Insurance?

Life insurance is a financial contract where your loved ones receive a lump sum (called a death benefit) in case of your untimely demise. It ensures your family can maintain their lifestyle, pay off debts, and cover future expenses like education or retirement. Some plans also offer maturity benefits, acting as a long-term savings or investment tool. With flexible terms, riders, and tax benefits, life insurance is one of the smartest ways to protect what truly matters.

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Why Choose Life Insurance Online?

A Smarter, Faster, and Safer Way to Buy Life Insurance

Easy, fast, and fully digital.

Instant Policy Quotes
Fill in basic details and get real-time quotes from leading insurers.
Wide Plan Comparison
View multiple life insurance plans side-by-side to make a confident choice.
Secure & Paperless Process
Complete the journey from quote to policy without paperwork or branch visits.

Why Life Insurance Is a Must-Have

Financial Protection That Lives Beyond You

Protection your family deserves.

Protects Your Family's Future

Offers income replacement to your dependents in case of your absence.

Pays Off Debts & Liabilities

Prevents your family from inheriting loans or financial obligations.

Supports Life Goals

Helps fund key milestones like your child’s education or marriage.

Provides Tax Benefits

Premiums and payouts enjoy exemptions under Section 80C and 10(10D).

Encourages Long-Term Savings

Endowment and ULIP plans help you build a financial corpus over time.

Covers Critical Illness & Accidents

Add-on riders provide enhanced protection beyond basic life cover.

Types of Life Insurance Plans

Choose the Right Life Plan for Every Life Stage

Plans for every life stage.

Term Life Insurance
Pure protection with high sum insured at affordable premiums—no maturity benefit.
Whole Life Insurance
Covers you for life, typically up to 99 years, with death benefit payout.
Endowment Plans
Combines life cover with savings, offering lump sum at maturity if you survive.
ULIP
Insurance + market-linked returns—ideal for those looking to grow wealth long term.
Child Plans
Ensures your child’s dreams are secured, even if you’re not around to fulfill them.
Retirement Plans
Provides regular income or lump sum post-retirement, ensuring financial independence.

Drive Smart. Stay Protected.

Get Covered Today and Stay Protected Always

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Why Choose Epsilon Money for Life Insurance?

Not Just a Policy. A Partnership for Life.

What makes Epsilon Money different.

Compare Top Insurers Easily

Access India’s most trusted life insurance providers on one platform.

Expert Human Advice

Speak to real advisors who match policies to your financial goals.

Unbiased Recommendations

No sales push—our only goal is to help you make an informed decision.

End-to-End Assistance

From quotes to claims, we’re with you every step of the way.

Quick and Secure Process

Complete the journey in minutes with digital forms and instant support.

Trusted by Families Nationwide

Thousands count on Epsilon Money to protect their loved ones with confidence.

How to Buy Life Insurance Online

Get Covered in 3 Easy Steps

Quick. Transparent. 100% Paperless.

Enter Your Details
Provide your age, income, and coverage goal to see personalized options.
Compare & Select a Plan
Review benefits, premium, riders, and policy term to choose what fits best.
Pay & Get Instant Policy
Complete secure payment and receive your e-policy instantly in your inbox.

Steps to Claim a Life Insurance Policy

Claim Settlement Made Simple with Epsilon

Simple, guided, and stress-free.

Inform the Insurer

Notify us or the insurer immediately with policy details and proof of death.

Submit Documents

Provide claim form, ID proof, death certificate, nominee’s bank details, and policy copy.

Receive the Settlement

On verification, the insurer disburses the claim directly to the nominee’s account.

Steps to Claim a Life Insurance Policy

Claim Settlement Made Simple with Epsilon

Simple, guided, and stress-free.

1

Inform the Insurer
Notify us or the insurer immediately with policy details and proof of death.

2

Submit Documents
Provide claim form, ID proof, death certificate, nominee’s bank details, and policy copy.

3

Receive the Settlement
On verification, the insurer disburses the claim directly to the nominee’s account.

Frequently Asked Questions About Life Insurance

Answers to Help You Choose with Confidence

Get clarity before you commit.

Anyone with financial dependents—like a spouse, children, or aging parents—should have life insurance. It provides them financial security if something happens to you. Young professionals, business owners, and newlyweds should also consider getting covered early to lock in low premiums.

Your policy term should ideally cover your working years, usually until age 60 or retirement. Some term plans even offer coverage up to 99 years. The right term depends on your income stability, financial obligations, and the age at which your family becomes financially independent.

Term life insurance offers the highest coverage at the lowest cost but has no maturity benefit. It's best if you need pure protection. If you’re also looking for investment or savings, consider endowment plans or ULIPs. The choice depends on your financial priorities.

Yes, you can hold multiple life insurance policies. This can be helpful for staggered coverage based on life stages or financial goals. However, always disclose existing policies to the insurer to avoid issues during claim settlement.

A rider is an additional benefit you can add to your base policy for extra protection. Common riders include critical illness, accidental death, waiver of premium, and income benefit riders. They enhance coverage but slightly increase the premium.

For high-value term plans or if you're above a certain age, insurers often require a medical exam. However, some low-cover plans may be issued without tests, especially online. Tests help assess your health risk and ensure fair premium pricing.

Yes, premiums paid for life insurance are eligible for tax deduction under Section 80C of the Income Tax Act, up to ₹1.5 lakh annually. The death benefit and, in most cases, maturity benefits are also tax-exempt under Section 10(10D).

Once all documents are submitted and verified, insurers usually settle claims within 30 days. In straightforward cases, it can be even quicker. If further investigation is required, the timeline may extend, but insurers are bound by IRDAI timelines.

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