Protect your team members, startup workforce, and their families with comprehensive group term life coverage. Enjoy discounted group premiums, 24/7 worldwide coverage, high Non-Medical Limits, and dedicated claim assistance.
Understanding pure group term life coverage, eligibility for small teams, and institutional protection benefits.
Group Term Insurance is an affordable master life cover tailored for startup teams, small businesses, societies, and member groups. It provides a guaranteed financial safety net for members and their families in case of untimely demise, ensuring stability during unforeseen emergencies.
By pooling members together under a single institutional policy, organizations secure significantly lower per-member premium rates compared to individual policies, along with automatic coverage up to high Non-Medical Limits (NML) without individual health checkups.
Members are covered around the clock, during personal travel, remote work, and international trips.
Automatic onboarding without mandatory health checkups or diagnostics up to the agreed Non-Medical Limit.
Flexible sum assured options such as graded tiers or salary multipliers tailored to member profiles.
Why growing startups, organizations, and team leaders choose group term insurance to secure their members.
Access high sum-assured life protection at up to 60% lower premium costs than individual retail term policies through collective risk pooling.
Onboard team members instantly without time-consuming hospital visits, tele-underwriting, or mandatory blood tests up to institutional limits.
Add powerful rider options including Accidental Total and Permanent Disability (ATPD) and accelerated Critical Illness cash payouts.
Employer premium contributions are 100% tax-deductible under Section 37(1), and death benefits paid to nominees are completely tax-free under Section 10(10D).
A fast, 3-step setup and digital onboarding process managed end-to-end by our advisory team.
Step 1
Provide basic team census details (age, count, designation) and choose your preferred sum assured tiers or salary multiples.
Step 2
We benchmark premium quotes and Non-Medical Limits across top IRDAI insurers including LIC, HDFC Life, ICICI Pru, Max Life, and Tata AIA.
Step 3
Receive your master policy with digital enrollment, simple mid-term member additions, and dedicated priority claim settlement assistance.
Compare customized group term quotes, rider add-ons, and pricing across leading insurance providers.
In-depth guides, regulatory updates, actuarial insights, and actionable strategies curated by our advisory experts.
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Common questions about group term insurance eligibility, plan structures, and claims.
