How long does it take to build a cash value for the whole life insurance?

A whole life insurance plan gains cash value after the premiums for the first few years during the premium paying term have been paid in full. Once a policy gains cash value, the insured can choose to surrender their policy, though it is advisable to always continue the policy coverage.

Does the premium increase for the whole life insurance if I get older?

If you purchase whole life insurance at a young age or at the minimum entry age of 18 years, for most popular plan you can be assured of low premium rates throughout the policy term. But if you buy the policy in your 40s or 50s, your policy premiums will be much higher, owing to the increased health risks to your life.

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Whole Life Insurance

Q: Is it good to invest in a whole life insurance plan?

Investing in a whole life insurance plan is a wise option if you want to ensure lifelong protection for your family against financial insecurities. With a whole life cover, you do not have to worry about renewing your policy since the coverage lasts until 100 years of age.

Q: Is purchasing whole life insurance affordable?

Yes, whole life insurance rates can be affordable if you select a suitable policy term and a premium paying term. Hence, even if your sum assured is high, you can calculate your whole life insurance premium with an online life insurance premium calculator and pay a reasonable amount.

Q: What should be the sum assured for the whole life insurance plan?

The sum assured of your whole life insurance plan will depend on your family’s needs. Ensure that the sum assured is adequate enough to take care of their financial obligations and goals in your absence. Determining the life cover amount is important, especially if you have been the sole earning member of your family and your absence leads to a loss of income.

Q: Is whole life insurance a good plan for retirement?

Yes, if you have a whole life insurance policy that offers maturity benefits along with death benefits, you can consider such a life insurance plan for your retirement. The life cover offered by a whole life policy can be especially beneficial for your family after your retirement as they can enjoy uninterrupted life insurance coverage until you are 100 years old.

Q: Can a whole life insurance plan help you leave a legacy for your family?

Yes, if you want to ensure complete financial security for your loved ones in the event of your death, you can plan your whole life policy such that the sum assured will be a legacy in your absence. Not only will the sum assured cover their daily needs but can also act as a trust fund that can finance their future endeavors.

Q: What happens if I survive the policy term for the whole life insurance plan?

If you have a provision under your whole life insurance plan where your premiums will be returned to you on maturity, then you will receive the total premiums paid if you survive the policy term. However, the maturity benefit may not be payable in the event of your death during the policy term where the death benefit will be payable.

The whole life insurance policy offers you financial protection up to the age of 100. This is also called permanent life insurance, because the coverage lasts for the entire lifetime of the insured. Read more This policy offers a tax-free⁵ death benefit, plus it builds cash value over time so you can save for the future. This whole life policy is a reliable way to ensure the financial security of your loved ones and to plan for your own financial future. Read less

The whole life insurance policy offers you financial protection up tothe age Read more of 100. This is also called permanent life insurance, because the coverage lasts for the entire lifetime of the insured. This policy offers a tax-free⁵ death benefit, plus it builds cash value over time so you can save for the future. This whole life policy is a reliable way to ensure the financial security of your loved ones and to plan for your own financial future. Read less

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What is Whole Life Insurance?

Whole life insurance policy is a type of life insurance policy that provides coverage for the entire lifetime, up to the age of 100. When the policyholder passes away, their beneficiaries receive a death benefit, ensuring their financial security.

This type of insurance not only provides coverage but also acts as a savings tool and provides tax⁵ benefits. This plan offers both death benefits and maturity benefits, allowing individuals to accumulate funds for achieving financial goals. By buying whole life insurance, you can develop saving habits and also secure the future of your loved ones.

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How Does a Whole Life Insurance Plan Work?

A whole life insurance policy gives you protection for your whole life, usually up to the age of 100. If you pass away during this time, your family gets a payout (Death benefit). To stay insured, you pay regular premiums. A portion of your premium is allocated to savings. This amount grows over time, and you are eligible to access it later. It is also called cash value.

If you outlive the whole life insurance policy, you get the sum assured plus applicable bonuses, subject to the policy terms. The policy helps your family financially if something happens to you and can also help you reach goals like buying a house or paying for your children’s weddings.

The following example can help you better understand the workings of this policy:

Ravi, aged 30, buys a whole life insurance policy with a sum assured of ₹1 Crore. He pays regular premiums every year. The policy covers him till the age of 100.

If Ravi passes away at any time before the age of 100, his family will receive ₹1 Crore as the death benefit.
If Ravi lives till the age of 100, he may receive the sum assured amount if he has chosen the return of premium³ plan option.

Key Features of Whole Life Insurance Plans

Financial Protection

Whole life insurance policies provide financial protection for the entire lifetime of the policyholder, usually up to 100 years of age.

Sum Assured

Offers lifetime coverage, so that your family can be secured under the policy until you are 100 years of age. The death benefit is paid on your death, securing your family's needs and covering potential emergencies.

Whole Life Coverage

Whole life insurance plans provide uninterrupted coverage until age 100, provided the premiums are paid on time, keeping your loved ones secure

Fixed Premiums

Apart from receiving lifetime coverage, the major benefit of a lifelong insurance plan is the steady premiums. By buying a whole life policy early in life, you may secure your premium payment at a lower rate, even with a high sum assured.

Optional Riders

Adding an optional rider⁴ to your life insurance policy can enhance the plan coverage since riders are designed to cover specific risks such as critical illness, accidental death, and so on.

Tax Benefits

The premium paid towards the policy qualifies for tax⁵ deductions under Section 80C of the Income Tax Act, 1961. Whereas the death benefit paid out to the beneficiaries is exempt from tax under Section 10(10D) of the Income Tax Act, 1961.

What is the Difference Between Term and Whole Life Insurance?

Feature	Term Insurance	Whole Life Insurance
Coverage Duration	Provides coverage for a specific period based on the policy term chosen.	Offers lifelong coverage up to 100 years.
Dependents	Suitable if your dependents will eventually become financially independent.	Suitable if dependents may remain financially dependent for life.
Premium amount	Lower premiums for temporary coverage.	Relatively higher premiums for lifelong protection and benefits.
Purpose	Suited for temporary financial responsibilities (e.g., loans, children’s education).	Suitable for lifelong financial security and legacy planning.

Benefits of Buying Whole Life Insurance

You may get these benefits from buying a plan:

Financial Security

A whole life insurance policy provides financial protection and a sense of security. Your family is taken care of in the event of unfortunate events.
Death and Maturity Benefits

In these plans, you get the sum assured at the end of the policy's tenure. Additionally, it makes sure your family doesn’t face financial problems if you pass away unexpectedly.
Tax Savings

Tax⁵ benefits are available for whole life policy premium payments and payouts under sections 80C and 10 (10D) of the Income Tax Act. As a result, it assists in long-term financial planning.
Wealth Creation

By paying premiums, whole life insurance plans accumulate wealth and contribute to wealth creation. It can be used to fulfil retirement goals or leave a legacy.
Loan Facility

These policies provide you with a loan facility during emergencies. As a result, it proves useful in unexpected circumstances.
Family Support

In the event of your death, a whole life insurance policy can provide financial support for your family. As a result, your children can continue their studies, and your parents can live a stress-free retirement without working.

Types Of Whole Life Insurance Plans

Limited Payment of Whole Life Insurance: This type of life insurance requires you to pay a premium for a limited number of years, such as 15 or 20 years. Following that, you will be covered for the rest of your life by the policy. Due to the short period of time for paying premiums, the premiums may be higher than in other plans.
Single Premium Whole Life Insurance Policy: Premiums are paid in one lump sum under this whole life policy. Upon paying a one-time premium, you can enjoy lifelong financial protection. For those with extra funds, this can be a suitable investment option.
Modified Whole Life Insurance: Initially, you pay low premium amounts for this type of whole life insurance. Over time, the premiums will increase, but the coverage will remain the same. This kind of policy is suitable for people comfortable with paying high premiums.
Joint Whole Life Insurance: Under this type of plan, two individuals are covered jointly. Upon the death of one of the policyholders, the other may claim the benefit. Survival benefits aren't usually included in these plans.
Participating in a Whole Life Insurance Policy: These types of policies offer benefits in addition to variable bonuses linked to company growth. Dividends or bonuses can be a form of benefit. Dividends can be used to offset future premiums or earned as interest.
Non-participating Whole Life Insurance Policy: Policies like these don't offer dividends or a share in the insurer’s earnings. The plan provides assured maturity benefits regardless of the company's earnings.
Pure Whole Life Plan: In exchange for paying premiums, you receive lifelong financial coverage. Beneficiaries and nominees can receive death benefits after your death.
Level Premium Whole Life Insurance: Premiums remain the same throughout the policy tenure and do not change. A nominee or beneficiary receives the sum assured upon the death of the policyholder.
Indeterminate Premium: There is no fixed premium amount throughout the policy term. Depending on the costs, the companies may change the premium amounts.

What are Whole Life Insurance Riders?

The following are some of the riders available with the whole life insurance policy:

Waiver of Premium Rider:

Under this rider, if the policyholder is diagnosed with a critical illness or becomes permanently disabled, the future whole life premiums will be waived, and the policy will remain in force until the policy term ends.
Accidental Death Benefit Rider:

This rider provides the nominee with an additional sum assured in the event of the policyholder's accidental death during the term of the policy. Payouts such as these can assist the family in meeting their monthly expenses and other financial obligations.
Accidental Total Permanent Disability Rider :

This rider will provide the sum assured if a policyholder becomes permanently disabled as a result of an accident. It can be used to cover any medical costs for the treatment of the disability.
Critical Illness Rider:

When a critical illness is diagnosed during the policy term, this rider can assist with medical expenses incurred due to a critical illness that is included in the policy, such as an organ transplant or a serious heart condition. These diseases could lead to a temporary or even permanent loss of income, and the sum assured can help cover these costs.
HospiCare Benefit Rider:

This rider pays a fixed sum if the policyholder is hospitalised in general or in the intensive care unit. In addition to the basic sum assured, a percentage is paid to help the policyholder pay for medical bills and treatment expenses.
Terminal Illness Benefit:

If the policyholder is diagnosed with a terminal illness during the policy term, the insurer will pay out the entire or part of the sum assured. If the rider pays part of the sum assured during terminal illness, the remaining part will be paid to the nominee upon the policyholder’s death.

Key Factors to Consider When Buying Whole Life Insurance

Consider these factors when choosing a whole life insurance policy in India:

01

Adequate Life Cover

Consider your family's needs when assessing your life insurance. As your family will receive this amount in the event of your unfortunate death, it is important to ensure your life insurance policy covers your family's financial obligations. If you want to find out how much life insurance you can afford, use a human life value calculator.
02

Potential Inflation

Take rising costs and inflation into consideration when selecting a life cover amount. For example, an amount of Rs. 1 crore may cover your family's needs today, but it might lose its value after 40 years.
03

Early Investment

The premium rate for a whole life policy depends on the policyholder's age. Because the premiums are low for young individuals, you should try to purchase a whole life policy as early as possible to ensure your family has adequate life insurance coverage at a low cost.
04

Select Suitable Riders

Check out the list of add-on benefits in the whole insurance policy. To enhance the coverage of the base plan, you can add these life insurance riders. These riders offer protection for specific needs, such as critical illness, accidental death, or waiver of premium, providing comprehensive financial security for your loved ones.
05

Choose the Right Insurer

Insurance Regulatory and Development Authority (IRDAI), the Indian regulator, releases its annual report, mentioning the Claim Settlement Ratio (CSRs) of all insurers. CSR measures the ratio of claims received to claims settled by a company over a financial year. You should compare the CSR values of different insurance companies and choose an insurer that has a high CSR value. It makes sure that your family's claim gets settled in your absence.
06

Read the Policy Documents

You should always read through the policy documents to understand the details, inclusions, and exclusions. In the future, this will avoid confusion during settlements of claims. It also helps ensure that the policy aligns with your financial goals and provides the required protection.

Eligibility Criteria to Purchase Whole Life Insurance

There are different types of whole life insurance policies that come with their own policy terms and premium paying terms. Depending on the features and benefits of the policy, the eligibility criteria may differ for each plan. However, here is a broad outline of the eligibility criteria of our bestselling term insurance plan – Tata AIA Sampoorna Raksha Promise (Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V07)

Minimum Entry Age	18 years
Maximum Entry Age	60 years (For most term insurance plans)
Maximum Sum Assured	Subject to the Company’s underwriting guidelines.

Though there may not be any restrictions or requirements for medical check-ups for purchasing whole life insurance, one may be advised to provide health and medical certificates in case of any past or potential health risks or family medical history.

Who Should Purchase a Whole Life Insurance Plan?

Whole life insurance plans are flexible and designed to meet the varying needs of different policyholders. These are a few categories of policyholders for whom whole life insurance can be beneficial:

Individuals Seeking Future Security

If your family currently depends on your income for their sustenance, a whole life plan can be a good option to secure their future in case of an unfortunate event leading to the loss of income. The sum assured should be adequate to meet their future financial needs.

Individuals Seeking Future Security

If your family currently depends on your income for their sustenance, a whole life plan can be a good option to secure their future in case of an unfortunate event leading to the loss of income. The sum assured should be adequate to meet their future financial needs.
Investors Creating a Financial Plan

A whole life policy is an important part of your financial plan, where you can invest in the policy through premium payments and secure your family’s financial future. Once you plan the premium payments, you can then allocate your resources to other investments as well. With the Return of Premium feature, you can get your premium amount back.

Investors Creating a Financial Plan

A whole life policy is an important part of your financial plan, where you can invest in the policy through premium payments and secure your family’s financial future. Once you plan the premium payments, you can then allocate your resources to other investments as well. With the Return of Premium feature, you can get your premium amount back.
For Security Against Life-Threatening Diseases

If you or your family have a medical history of critical illnesses, or if you think a serious health condition may threaten your life in the future, consider getting a whole life insurance plan. This can help ensure your family maintains financial stability in the event of an unfortunate incident.

For Security Against Life-Threatening Diseases

If you or your family have a medical history of critical illnesses, or if you think a serious health condition may threaten your life in the future, consider getting a whole life insurance plan. This can help ensure your family maintains financial stability in the event of an unfortunate incident.
Those Seeking Tax Benefits

Whole life insurance offers tax⁵ benefits under various sections of the Income Tax Act, such as Section 80C, Section 10(10D), and Section 80D if you add an optional health rider to your base policy. With these tax5 benefits, you can secure greater tax savings and life insurance coverage.

Those Seeking Tax Benefits

Whole life insurance offers tax⁵ benefits under various sections of the Income Tax Act, such as Section 80C, Section 10(10D), and Section 80D if you add an optional health rider to your base policy. With these tax5 benefits, you can secure greater tax savings and life insurance coverage.

How to Purchase Whole Life Insurance Online?

01

Provide Essential Details

To start your online purchase, fill in the online form with your contact details and other required information. When you use the life insurance premium calculator, your age and smoking habits will be two important factors for determining the premium amount.
02

Calculate the Sum Assured

Determine the sum assured of your online life insurance as per your family’s current and future financial needs, annual income, and other factors. Once the sum assured is determined, you can check a few plan options and policies that comprise the features and benefits you need.
03

Customise your Policy

Each life insurance policy offers a flexible choice of policy terms (PT) and premium paying terms (PPT). Choose a PT and PPT based on your preference. You can further customise your policy by adding an optional rider, such as an accidental death benefit or a similar add-on, by paying an additional premium.
04

Pay the Premium Amount

When you check out online, you will be required to pay the first premium instalment to complete the purchase. Select any one of the online payment options to complete the policy purchase, after which you can receive an email confirmation of the purchase.

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Frequently Asked Questions

What is the meaning of whole life insurance?

Whole life insurance is a type of permanent life insurance, where the life assured is covered for the entire life (up to the age of 100 years), as long as premiums are paid on time.

What’s an example of a whole life insurance policy?

If a 30-year-old person purchases a whole life insurance policy then the coverage lasts till 100 years of his age. In case of any unfortunate during the policy term, the nominee will receive the sum assured amount. If the life insured has chosen a plan with Return of Premium option, then on survival he will get his premium amount back³.

What are the different types of whole life insurance?

The major types of whole life insurance policies are Traditional Whole Life Insurance, Limited Pay Whole Life Insurance, Single Premium Whole Life Insurance, Variable Whole Life Insurance, and Universal Life Insurance plans.

How long does it take to build cash value for whole life insurance?

A whole life insurance plan builds cash value after premium payments for the initial years. Once this value accumulates, the insured can surrender the policy as per the policy terms and conditions, though continuing coverage is generally recommended.

What is a death benefit in whole life insurance?

The death benefit in whole life insurance is the sum assured, fixed at policy inception. It provides lifelong coverage, ensuring your family receives financial support and can meet essential expenses after your death.

Who is eligible for whole life insurance?

Anyone who meets the insurer’s age and citizenship criteria can buy whole life insurance. Typically, eligibility includes Indian citizens aged from 18 to 60 years, depending on the policy.

Who needs whole life insurance?

Whole life insurance is well-suited for individuals who need long-term financial protection or want to build a cash value component alongside life cover.

Does the premium increase for whole life insurance if I get older?

Buying whole life insurance at a young age, like 20, ensures lower premiums. Purchasing later in your 40s or 50s leads to higher premiums due to increased health risks and age factors.

Is purchasing whole life insurance affordable?

Whole life insurance can be affordable if you choose the right policy and premium payment terms. Even with a high sum assured, you can use an online premium calculator to find a reasonable payment amount.

How long should I pay the premium for a whole life insurance plan?

You can choose the premium paying mode for your whole life insurance plan as per your preference. You can choose single pay, regular pay or limited pay option as per your needs.

How can I pay the premium for the whole life insurance plan after retirement?

If you want to avoid paying premiums after retirement, you can choose a single premium or a limited pay plan. This lets you pay the required premium at once or for a shorter term, so no premiums are due during retirement.

What should be the sum assured for the whole life insurance plan?

You need to choose a sum assured that covers your family’s financial needs. It should be enough to support them and pay for their expenses and goals, especially if you are the family’s only earning member. Ideally it should be 10 to 12 times your annual income.

How much does whole life insurance cost?

The cost of whole life insurance generally depends on factors like your age, health, sum assured, and premium payment term. Buying at a younger age usually means lower premiums, while higher coverage or older age can increase the cost.

How much whole life insurance coverage do I need?

To choose the right coverage, assess your family’s expenses, loans, and inflation. As per experts, the coverage must be equal to 10-12 times your annual income. You can use a human life value calculator to estimate the right amount.

Are there any riders available with the whole life insurance policy?

Yes, whole life insurance policies often offer riders⁴ such as critical illness cover, accidental death benefit, waiver of premium, along with accidental total and permanent disability cover to enhance your protection.

Can I avail of a loan against my whole life insurance plan?

Many whole life insurance plans offer a loan facility against the policy. However, there can be certain terms and conditions, such as a limit on the loan amount or a time point during the premium-paying term when you can get the loan.

Can I cash out from a whole life insurance plan?

Yes, you can cash out from a whole life insurance plan by surrendering it and receiving the cash value as per the policy terms and conditions. However, continuing the policy is advisable to get full coverage and maturity benefits.

Are early withdrawals permitted in a whole life insurance plan?

No, there is no provision for making any early withdrawals in a whole life insurance policy unless you choose to surrender the policy. In that case, the coverage is terminated, and you receive the surrender value of the policy.

What happens if I surrender my whole life insurance policy?

If you surrender your whole life insurance policy, you will receive the applicable surrender value of the policy at that time as per the policy terms and conditions.

What are the tax implications of whole life insurance?

The following are the tax implications of whole life insurance:

Premiums paid are eligible for tax⁵ deductions under Section 80C of the Income Tax Act, subject to the prevailing tax laws.
Additionally, the maturity amount is tax-free under Section 10(10D), subject to conditions.

Is it good to invest in a whole life insurance plan?

Investing in a whole life insurance plan is a suitable option if you want to ensure lifelong financial protection for your family. With this plan, you do not have to worry about renewing your policy as the coverage lasts until 100 years of age.

Does a whole life insurance plan provide a retirement income?

A whole life policy offers maturity benefits on survival if you choose a return of premium³option or upon policy maturity. In case of your death during the policy term, your spouse can use the death benefit as retirement income.

Is whole life insurance a good plan for retirement?

Yes, whole life insurance with maturity and death benefits can support you after retirement. It offers lifelong coverage, ensuring you and your family remain protected even after retirement.

Is whole life insurance beneficial for senior citizens?

Yes, whole life insurance is beneficial for senior citizens because the coverage lasts a lifetime, so there’s no concern regarding policy expiry. With coverage up to 100 years of age¹, the premium payment options are also convenient and affordable.

Can a whole life insurance plan help you leave a legacy for your family?

Yes, whole life insurance can provide complete financial security for your loved ones. The sum assured acts as a legacy, covering daily needs and serving as a trust fund for their future goals.

Is it necessary to purchase a whole life insurance plan for my child?

You can buy whole life insurance and nominate your child as the beneficiary to secure their financial future. If your child is a minor, you can appoint a guardian to manage the benefits until they are 18 years of age.

What happens if I survive the policy term for the whole life insurance plan?

If you survive the policy term with a return of premiums³ option, you will receive the total premiums paid as the maturity benefit.

Can I convert my term insurance plan to a whole life insurance plan?

If you have a convertible term insurance plan that is about to expire, you can choose to convert it to a whole life plan. However, it is subject to your insurer’s terms and conditions and the availability of a convertible term plan in their offerings.

Should I get term insurance or whole life insurance?

Choosing term or whole life insurance depends on your needs. Term plans cover a specific period, while whole life plans provide lifelong coverage, usually until age 100, without needing renewal.

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What is Whole Life Insurance?

Our Best Selling Whole Life Insurance Plan

Sampoorna Raksha Promise

How Does a Whole Life Insurance Plan Work?

Key Features of Whole Life Insurance Plans

Financial Protection

Sum Assured

Whole Life Coverage

Fixed Premiums

Optional Riders

Tax Benefits

What is the Difference Between Term and Whole Life Insurance?

Benefits of Buying Whole Life Insurance

Financial Security

Death and Maturity Benefits

Tax Savings

Wealth Creation

Loan Facility

Family Support

Types Of Whole Life Insurance Plans

What are Whole Life Insurance Riders?

Waiver of Premium Rider:

Accidental Death Benefit Rider:

Accidental Total Permanent Disability Rider :

Critical Illness Rider:

HospiCare Benefit Rider:

Terminal Illness Benefit:

Key Factors to Consider When Buying Whole Life Insurance

Adequate Life Cover

Potential Inflation

Early Investment

Select Suitable Riders

Choose the Right Insurer

Read the Policy Documents

Eligibility Criteria to Purchase Whole Life Insurance

Who Should Purchase a Whole Life Insurance Plan?

Individuals Seeking Future Security

Individuals Seeking Future Security

Investors Creating a Financial Plan

Investors Creating a Financial Plan

For Security Against Life-Threatening Diseases

For Security Against Life-Threatening Diseases

Those Seeking Tax Benefits

Those Seeking Tax Benefits

How to Purchase Whole Life Insurance Online?

Provide Essential Details

Calculate the Sum Assured

Customise your Policy

Pay the Premium Amount

Looking to buy a new insurance plan?

Frequently Asked Questions

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