2024-08-14
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What Happens to your Term Insurance Policy if you Outlive it?
If you outlive your policy term, no benefit is provided by the life insurer. A term insurance policy is a pure protection plan that offers death benefits. The death benefit is paid to the nominees or beneficiaries if the policyholder passes away during the term.
However, there are term insurance plan with return of premium option. If you have such a plan and you happen to outlive the policy term, all the premiums will be paid back to you.
Canara HSBC Life Insurance iSelect Smart360 Term Plan offers return of premium option. That means if you survive the policy term, the premiums will be refunded. It is a comprehensive term insurance plan that offer life cover till 99 years, critical illness cover for 40 listed illnesses, and increasing cover option.
Term Insurance - Top Selling Plans
Canara HSBC Life Insurance offers online term insurance plans to secure your family financially in your absence.
Family Shield: Enhanced Protection
iSelect Smart360 Term Plan
- 3 Plan options
- Life cover till 99 years
- Steady income benefit
- Block your premium at inception
Start Young, Pay Less, Stay Secured
Young Term Plan
- Life cover till 99 years
- Coverage for spouse
- Block your premium rate
- Covers 40 critical illness
Family Shield: Enhanced Protection
Saral Jeevan Bima
- Affordable prices
- Multiple premium payment option
- Get Tax benefits
- Hassle-free purchase process
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