TERM INSURANCE

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PREMIUM BEFORE TAX
17,567/-
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Life Cover Upto Age 60 Years
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What is Term Insurance?

Term insurance is a type of life insurance where the insurer provides coverage for a certain 'term' in exchange for a specific premium paid over a period of time. If insurer dies during the term period specified in the policy, a death benefit is paid to the family of the insured.

Why do I need term insurance?

To take care of my family:

If you are an earning person of the family, then you must have term insurance. When you buy term insurance, you will get peace of mind in knowing that your income will be replaced if you are no longer there. In case of your unfortunate demise, the benefits from the term plan can help your loved ones pay for their regular expenses and also achieve their long term goals.

To pay off my loans:

If you have any big liabilities like home/car/personal loans then you must buy a term plan. When you buy, please ensure that the life cover amount you select is 10 times your annual income PLUS the total value of all the liabilities you have.

To secure my health:

Our term plan provides enhanced protection against 36 life-threatening illnesses including Cancer, Heart Attack, Kidney failure, Stroke, Alzheimer's Disease, Parkinson's Disease and Encephalitis.

 

Benefits of a term insurance plan:

 
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Affordability

Term insurance plans are a combination of affordability with simplicity. You get a life cover of 50L at premiums as low as 17/day*

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Tax Benefits

You can avail tax benefits under section 80C of the Income Tax Act, 1961, for the premium paid and sum assured of your term insurance plan.

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Easy to Buy

Instead of stepping out of your home, you can now purchase term insurance plans online with a few clicks, as per your convenience.

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Claim Payouts can be Staggered

Staggered monthly payouts provide an option to claim a lump sum and the rest of the claim as Monthly Income preventing any misuse of the total cover.

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Flexibility in Premium Payments

You have the option to pay premiums on a monthly, semi-annual, or annual basis. Also, there are also term insurance plans that offer single pay premium option.

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Return of Sum Assured

iTerm Insurance Plan’s Dual Protect feature returns your Sum assured after retirement.

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Additional Riders with your Plan

You can add riders like accidental death rider, disability rider, critical illness rider, income benefit rider, waiver of premium rider, etc. for another layer of protection.

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Protection Against Liabilities

During our lifetime, we buy a car, house, etc. In case a mishap occurs to you - accident, disability, or demise - the term insurance plan replaces your financial role in the family.

 
 

Key features of a term insurance plan

The concept of term insurance is to provide coverage for a family in times of duress, especially when the income generator is absent. The primary intention is to keep the family stable and happy, and ensure they can meet basic expenses and fulfill their dreams. Furthermore, as the head of the household, you can lead a peaceful life knowing your family's future is secure, even in your absence.

 

Why do I Need to buy Term Insurance Online?

With the advent of internet, buying an insurance plan is as simple as placing an order for your favorite dress or dish. Thus, it’s always a wise decision to purchase term insurance plan online. Besides, here’re the following reasons that shows why you need to buy a term plan online –

  • Cost-effective – An online term insurance plan will cost you less as compared to offline plan with the same features and benefits. This is because there’s no mediator involved in the process. Moreover, online plans as compared to offline plans have lower premium rates.
  • Flexibility – The online mode gives you the flexibility to compare and choose your plan as per your requirement. Also, there are so many tools and informative articles available online that would help you make an informed decision.
  • Hassle-free premium payment option – With the online premium payment facility, you can make payments online in a fast and secure manner. You can make use of safe premium payment options such as credit cards, debit cards, etc. to pay premiums online.
 

TERM INSURANCE PLANS BY AEGON LIFE

At Aegon, we understand your needs. We recognise that every family is different and so we have created three different term insurance plans to cater to your needs. Explore our term plans to know what they hold for you.

iTerm Insurance Plan is a cost effective comprehensive protection plan with an option of life coverage till the age of 100 years with an add-on flexibility to choose from 3 different plan options basis your protection needs

  1. Life Protect: Life Cover + 100% payout on Terminal Illness + Increase life cover at important life stages
  2. Protect Plus: Life cover increases by 5% every year without increase in premium + 100% payout on Terminal Illness
  3. Dual Protect: Life Cover + 100% payout on Terminal Illness + regular monthly income starting from retirement till maturity
 

Aegon Life iTerm Plans

Let us take a closer look at the plan options:

Life Protect

iTerm Insurance’s Life Protect plan provides an option to increase the Base Sum Assured on the occurrence of any one or all the following events, subject to our Board Approved Underwriting Policy: Event Additional Sum Assured as % of Base Sum Assured Marriage (One Marriage Only)

EventAdditional Sum Assured as % of Base Sum Assured
Marriage (One Marriage Only)50%
Birth/Adoption of 1st Child25%
Birth/Adoption of 2nd Child25%
Home Loan disbursal100%, subject to home loan amount sanctioned

The additional Sum Assured can be taken up to 4 tranches as mentioned in the above table, where we will charge additional premium for each tranche. The premium amount for the Base Sum Assured remains unaltered.

Why would you buy this plan?

  • Financial security of your family in case of your absence
  • Requirement to buy new additional insurance coverage with your changing life stage needs
  • Providing regular monthly income for your family in case of your unfortunate death
  • Possibility of your financial liabilities becoming a burden to your family in case of eventualities
  • Risks of Accident & Terminal Illness, and their resulting financial impact

Scenario

Protect Plus

Auto Increase of Sum Assured Benefit

In this policy, the sum assured increases by 5% of the Base Sum Assured (simple rate) every year from the start of second Policy Anniversary provided the Policy remains in-force. This increase in Sum Assured will continue till the policy anniversary subsequent to the life assured attaining age 55 years (last birthday), post which no further increments in Sum Assured would happen and the cover will continue with the latest Sum Assured applicable for the Policy.
The Policy Premium will remain unchanged throughout the policy term. In case the Life Assured dies or is diagnosed with Terminal Illness during the Policy Term, the Effective Sum Assured will be paid out to the Claimant and the Policy will terminate.

Why would you buy this plan?

  • Financial security of your family in your absence
  • Increasing life coverage to keep up with inflation without charging any extra premiums
  • Providing regular monthly income for your family in case of your unfortunate death
  • Possibility of your financial liabilities becoming a burden to your family in case of eventualities
  • Risks of Accident & Terminal Illness, and their resulting financial impact

Scenario

Consider the below scenario where a 30-year-old customer has taken a 1 CR plan till the age of 80 years:

The sum assured increases 2.25 times when he turns 55 without paying any additional premium.

Dual Protect

Survival Benefit

The Dual Protect feature not only provides you protection up to the age of 100 years but post-retirement, you are eligible for the following benefits:

Lumpsum Pay: 5% of the primary Sum Assured is paid out as a lump-sum benefit. This payment is made at the very next policy anniversary that arrives once you have attained the golden age of 60 years.

Regular Monthly Income: 0.1% of the primary Sum Assured is paid monthly in arrears. This payment continues till the date of maturity or the date of death/ diagnosis of terminal illness, whichever is earlier.

Why would you buy this plan?

  • Financial security of your family in case of your absence
  • Providing regular monthly income for your family post your earning years or in case of your unfortunate death
  • Possibility of your financial liabilities becoming a burden to your family in case of eventualities
  • Risks of Accident & Terminal Illness, and their resulting financial impact

Scenario

 

Other plans

 
 

iTERM PLUS INSURANCE PLAN

 

iTerm Plus Insurance Plan provides you with a cushion against adversities such as death, illnesses and disability due to accidents. This plan provides coverage until 80 years of age with an option to increase your life cover at various life milestones. While you don't get any money on making it through with this plan, it offers comprehensive and adequate protection to your loved ones, in your absence. There are four different plan options under this:

 
 
Life Plan Benefit

You can opt for this plan if you want an additional benefit against accidental death along with life coverage. You get the flexibility to choose the pay-out amounts for both these covers. For example - you are 38 years old, non-smoker and want to cover yourself for a death benefit of Rs. 25,00,000 till 70 years of age. This plan will allow you an additional accidental death benefit of Rs. 10,00,000 at a monthly premium of only Rs. 507.

Life Plus Benefit

This is a comprehensive plan that will take care of your family if anything were to happen to you. You can insure yourself against loss of life, accidental death, terminal illness and permanent disability with this policy. In case of permanent disability due to an accident, the policy will continue to provide life cover till the end of the term, and all future payments will be waived off. In the example given above, you need to pay a monthly premium of only Rs. 515 if you go ahead with this plan. If you get diagnosed with a terminal illness, you get the benefit to receive the entire amount of Rs. 25,00,000 upon detection.

 
Life & Health Benefit

You can opt for this plan if you want an additional benefit against accidental death along with life coverage. You get the flexibility to choose the pay-out amounts for both these covers. For example - you are 38 years old, non-smoker and want to cover yourself for a death benefit of Rs. 25,00,000 till 70 years of age. This plan will allow you an additional accidental death benefit of Rs. 10,00,000 at a monthly premium of only Rs. 507.

Life & Health Plus Plan

This is a comprehensive plan that will take care of your family if anything were to happen to you. You can insure yourself against loss of life, accidental death, terminal illness and permanent disability with this policy. In case of permanent disability due to an accident, the policy will continue to provide life cover till the end of the term, and all future payments will be waived off. In the example given above, you need to pay a monthly premium of only Rs. 515 if you go ahead with this plan. If you get diagnosed with a terminal illness, you get the benefit to receive the entire amount of Rs. 25,00,000 upon detection.

 

3 simple steps to buy term insurance online

 

Answer simple questions to get a quote in seconds. We give you a range of options to choose from along with an accurate premium rate.

Choose the policy term and payment frequency in few clicks. You also get the power to attach Riders that provide enhanced cover for you and your family.

Once you get the quote, you can start the application. We have simplified the form filling process to make it quick and easy.

 

HOW TO CHOOSE BEST TERM PLAN?

To choose a term plan best suited for you, consider these factor

 
Check the reputation of the life insurer including a thorough examination of the claim settlement ratio i.e. check the claim settlement ratio from inception of the company till date.
 
The amount of life cover you need - make sure that the cover you select is at least 10 times your annual income plus any loans/ liabilities you have.
 
Your comfort with the terms and conditions of the plan. Make sure that the premium payment amount and frequency fits your needs.
 
01. COVER AMOUNT

If some of your colleagues have opted for Rs. 1 Crore cover, should you opt for the same amount too?

AGE BRACKETCOVER
25 TO 35 YEARS15-18 times the current annual income, after considering the debts/outstanding loans
35 TO 45 YEARS10-15 times the current annual income, after considering the debts/outstanding loans
45 TO 55 YEARS5-8 times the current annual income, after considering the debts/outstanding loans

While this is only a generic method, you can also find some detailed methodologies to figure out the right value of your cover.

 
 
02. TERM INSURANCE PREMIUM

Based on your age and lifestyle, you would need to pay small premium amounts to build this life insurance cover. For example - If you are 32 years old and a non-smoker, you would have to pay a monthly premium of only Rs. 388 for a death benefit of Rs. 50,00,000. For a cover of Rs. 1 crore, this amount would increase to Rs. 809 per month. The premium for a term plan also differs from insurer to insurer. As time passes, the premium for the same sum assured also rises. You also need to look at how often you want to pay the premium, be it monthly, yearly or other.

Want to get a quote for a policy for yourself? Click here to use the Aegon Life Insurance Calculator

 
 
03. ELIGIBILITY CRITERIA

The eligibility criteria for term plan ranges depending on the insurance company. However, the standard minimum age of entry is 18 years while the maximum age limit to apply for a tem plan is 65 years.

 
 
04. PAYOUT OPTIONS

As the insured, you can decide the pay-out of the sum assured to your nominee depending on the type of option you choose at the time of purchase. You can opt for a lump sum or a monthly income pay-out, based on your preferences.

 
 

FACTORS AFFECTING TERM INSURANCE PREMIUM

Life insurance premium is calculated through a process known as underwriting. The process employs the use of many statistical and mathematical calculations around the details of the person to be insured. Some of the major factors considered while calculating premium are -

 

AGE

Young people are at a lower risk of getting life-threatening diseases. A younger person will also end up paying more number of premiums (since the tenure/term of their policy would be longer) than an older person who is likely to make a claim much sooner.

 

Gender

There have been numerous studies that say women tend to live longer than men. Hence, women have a higher probability of paying more number of premiums and thus their premium amounts are comparatively lower.

 

Medical history of the family

This is an important factor in calculating the premium. A person whose family has a history of ailments such as heart attack or cancer, has increased chances of contracting these illnesses, which is why more instances of such diseases increase premiums.

 

Smoking and drinking habits

This is one of the foremost considerations for every employer because there are a lot of health-related concerns that these habits are known to cause.

 

Profession

If you have a job in industries such as transport, shipping, mining oil, gas, etc. your life is perceived to be at higher risk of accidents. Thus, the premium for you in this case would be higher as compared to a professional with a desk job.

 

Duration/policy term

If the policy term is longer, you'll end up paying a higher premium as the insurance company will have to cover your life for longer - meaning higher risk. Thus, a small term will have a lower premium as compared to a longer term.

 

Personal health

If you have any known illnesses or common diseases like obesity, the underwriters would scale you on a higher risk. Obesity, for example, is well known to elevate the chances of blood pressure and heart problems, even stroke. Therefore, in this case, your premium would be a little higher than that of a person who is relatively fit.

 

Term insurance riders: must-have add-ons

 

What are term insurance riders?

A rider is an add-on or a paid feature to your base term plan. Every rider aims to upgrade the scope of your basic policy coverage. But what benefits do riders bring? Are they worth the additional money? Do they truly provide complementary coverage? If you are staring at a list of riders and wondering whether to consider them, let's look at some essential add-on benefits that can enhance your term plan and help you decide.

01. Accidental death rider

Indian roads witnessed more than 1.46 lakh accidents during the year 2017. This is a number that cannot be ignored. When you are on the road, you might take the best precautions possible but there is not much you can do if the other driver makes a mistake. That's why many people include an accidental death benefit rider in their term policy.

This means that if an insured person passes away due to an accident, the accidental death rider pays a sum above and beyond the basic sum assured to the nominee.

 
 
02. Income benefit rider

As the name suggests, an income benefit rider ensures your family receives a steady flow of income even in your absence. The income received supplements the sum assured provided to your beneficiaries/nominees. For example, by opting for the income benefit rider, your family would receive an additional 10% of the sum assured for a certain number of years. The basic purpose of the rider is to generate income for your family. The time for this rider can range anywhere from 5-10 years.

 
 
03. Waiver of premium rider

When you become a term insurance policy holder, you want to ensure all your payments are made on time. But what if you cannot continue with regular payments due to a critical illness?

Generally, the insurance company cancels the term policy. For someone who has made the premium payments regularly on time, this can come as a serious blow. However, there is a way to avoid this situation. In case the policyholder is diagnosed with any of the 36 critical illnesses, a 'waiver of premium rider' ensures all your future premiums get waived off. It is a low-cost option to keep your policy active even if you are unable to make your payments.

 
04. Comprehensive Critical Illness Care Rider

The Rider provides lump sum benefit and waiver of premium benefit in the event of first occurrence of any of the covered critical illness conditions during the lifetime of the insured and provided the incidence happening during the coverage period. Click here for the list of illnesses covered.

 
 

Aegon life's claim ratio

 
Consistency of Claim Settlements

The consistency of an insurance company in settling claims over the years is also a good indicator of their dependability. Therefore, the historical claim settlement ratio of insurers over the past 3-4 years should be checked and it should be in a small range. For example, a company with the ratio in the range of 95% to 97% is more consistent than one with the claim settlement ratio in the range of 75% to 90%. In the last four years, our claim settlement ratio has been among the best in the industry.
Ease of Processing Claims: In order to ensure that your family does not face any hassles or delays during the claim process, you must make sure that the whole procedure is as simple as possible. The claim reporting should be easily approachable for.

Term Insurance FAQs

What is term life insurance

Term life insurance is a contract between an insurance company and the insured whereby the company guarantees payment of an agreed amount (called death benefit) to the named nominee if something untoward happens during the policy period or at the end of the policy, termed as maturity. The insured needs to pay regular premiums to the insurance company for the policy to be valid.

What is a Term Insurance Plan?

Term Insurance is a form of life insurance policy that provides coverage for a limited time-period. In case the insured person dies while the policy is still active, then a death benefit will be paid to the nominee. It is one of the most cost-effective way of protecting your family due to its affordable premiums and the flexibility of opting out at convenience. You can also change or customize a term plan if you wish. The amount of premium paid for term insurance stands eligible for income tax deduction under section 80C of the Income Tax Act.

Why is term insurance important?

If you buy term insurance, you are doing it for the financial security of your family, which relies on you, and to get multiple benefits such as tax exemption and planning for your child’s higher education.

If my age is 30 and annual salary is around Rs 5 lakh, how much term insurance cover should I be looking at?

If you are around 30, you have another 30 years of working life ahead of you. Your current annual salary is around Rs 5 lakh, but you will be getting raise every two years or so. Hence, you could look at a term insurance amount of Rs 1 crore. Remember to consider inflation as well.

How do I process a term insurance claim?

In general, beneficiaries and insured persons can make a life insurance claim in either of the two following cases: (a) if something untoward happens to the person for whom the insurance policy has been taken, and (b) the policy matures. You need to inform the insurer, fill in the relevant forms, and submit the documents requested.

What is term insurance premium?

It is the money that the policy buyer pays the insurance company on a regular basis (monthly, twice a year, or annually) in lieu of the guarantee of the death benefit

Who decides what the premium amount should be?

The insurer does, and the amount depends on several factors that can impact the insured’s life expectancy, such as age, gender, smoking habit, personal medical history, and family medical history (such as heart disease or cancer among immediate family members).

Is the gender of the insured important?

Yes. The average Indian woman lives longer than the average Indian man, therefore, the premium for women is lower than that for men of the same age, everything else remaining the same including smoking habit.

Why is nicotine-use a factor for determining the premium?

Nicotine use becomes a factor in determining the premium because a non-smoker is expected to live longer than a smoker–in any country.

What if the term insurance premium is not paid?

If premium remains unpaid one month after the due date (that is the ‘grace period’), the policy will lapse. In that case you, as the insured, will have wasted all the premiums you have paid in previous years. Additionally, your beneficiary will also not receive a pay out as the policy will be deemed ‘lapsed’.

What happens if the insured dies before paying the due premium?

If the insured dies during the plan term, before he or she can pay the premium, the due premium will be deducted from the death benefit.

If the insured pays all premiums and does not die during the term period, do they get the sum assured?

In case of a term life insurance policy, there are no paybacks. So, if you as the insured buy a standard term insurance, and you outlive the plan, you get nothing. But do not forget that your primary objective is to create a protective financial umbrella for your loved ones. For other plans, except term plan, you get the money after the policy matures.

Are there no monetary benefits from investing in term insurance?

Besides insuring your family, this type of life insurance offers various tax deductions and exemptions. Under Section 80C of the Income Tax Act, you can claim a deduction of up to Rs 1.5 lakh on your policy premium. Even the proceeds that your loved ones get in your absence or the amount you get at the maturity of the term is tax-free. Learn all about tax benefits here.

Can I create wealth from term insurance?

Absolutely! But for that, look for a policy with maturity benefits. Most people are unaware of the additional benefits apart from the death and disability benefits. So, check out the various types of life protection plans: Here are a few to consider

WHOLE LIFE: Regular premiums until death, after which the corpus is paid to beneficiaries; no expiration;

ENDOWMENT PLANS: Sum assured is paid under both scenarios – death and maturity;

ULIP: Risk cover plus investment options, assured pay out;

MONEY-BACK: Insurance-cum-investment with periodic returns as a percentage of the sum assured.

Is there anything else I can do with my policy?

Yes, insured persons have the option of taking loans against their policies without upsetting the policy benefits.

Does Aegon Life have all this?

Aegon Life has all this, and more. Aegon Life offers term plans, whole life, ULIP, money-back, retirement plan, and child plan. Check the website here for more details.

Can we have 2 term insurance policies?

You can buy as many term insurance plans as you want to fulfill your insurance needs. You can even nominate different beneficiaries for both the insurance plans.

What are the documents required to buy term insurance plan online?

You would be required to share some combination of age proof, address proof and identity proof, in addition to your bank details to buy an online policy. For identity and age proof you can use Aadhar card, Pan card, Passport, Voter Identification cards, school leaving certificate, birth certificate etc. For address proof, utility bills, Passport, bank a/c statement etc. are acceptable.

Which term insurance policy should I select?

The one which provides you with the maximum death benefits for your affordability.

What is the difference between term insurance and whole life insurance?

Term insurance is a life insurance policy that provides coverage for a specific amount of time, say 10, 20 or 30 years, whereas whole life insurance is a type of permanent life insurance that provides a death benefit and accumulates a cash value as long as you are alive.

How do you know how much term insurance to buy?

It depends on various factors, including the number of dependents you have, your investment needs, affordability, and the lifestyle you wish to provide to your family. You must factor in the living expenses of your dependents, for how long will they need it, your current loans and liabilities and future expenses such as child education when deciding your term insurance cover.

What if you don’t die within the term period?

In case of survival of the policy term, the insured does not get any return.

I am an occasional smoker. Do I need to declare myself as a tobacco user?

Yes! In fact, if you have smoked in the last 12 months, then you must declare yourself as a tobacco user. If information is withheld and later revealed to the insurer, it may have severe repercussions such as your policy being considered as null and void or denial of the policy benefits.

When should I buy life insurance?

Whether you are in your 20s, 30s, 40s or more – it is always a good idea to get insured.

What are insurance riders?

A rider is an attachment or amendment that supplements the term plan coverage, helping the insured meet specific needs. There are various types of riders

  • Accidental death and dismemberment
  • Critical Illness
  • Waiver of premium
  • Income benefit
  • Partial and permanent disability

Can life insurance claims be rejected?

Yes, the insurer can reject a life insurance claim on grounds of

  • Misrepresentation of actual information
  • Non-disclosure of correct information
  • Fraud

Does life insurance not cover any particular type of deaths?

Claims of death due to drunken driving, accidents while inebriated, self-inflicted wounds, murder, death in a war or known violent area, dangerous hobbies like skydiving, and death due to sexually-transmitted diseases are not entertained.

Does life insurance requirement change as we grow older?

This depends on the policy. In term plans, the basic costs, coverage limits, and requirements remain the same for the duration of the policy. For whole life plans, it may remain unchanged sometimes, but mostly they will have changing terms over that timeframe–the changes occur when you renew the policy.

 

Term Insurance Reviews

Anchal Bhatt Vinaya

"Excellent Products and prompt service.Buying policy from Aegon Life is one of the best experience. One should go and read the values of the company. They are adhere to it. The response of their sales executive are excellent. There product explanation are very good. I did good research and found that Aegon Life the best one in this segment. Customer service is very good and clarified all my doubts. It satisfied all my needs. My suggestion is to buy it for whoever needs it, it is hassle free online buy, but please do check all details and make sure it satisfies your needs. I am very happy with Aegon Life so far. I am suggesting to my friends also for buying policy in online. Thank you AEGON LIFE team! Touched by their customer service."

 

Agnel Dsouza

"It was very easy to buy on aegonlife.com. It took less than 10 minutes to buy the policy on the website. And then, next day I sent the documents over whatsapp. And then next day my life cover began. Very fast! Now I feel at ease that my family's future is secured. A big thank you to Aegon Life Team. 5star experience."

 

Prasana Kumar

"I did good research and found that Aegon Life the best one in this segment. Customer service is very good and clarified all my doubts. It satisfied all my needs. My suggestion is to buy it for whoever needs it, it is hassle free online buy, but please do check all details and make sure it satisfies your needs. I am very happy with Aegon Life so far. I am suggesting to my friends also for buying policy in online. Thank you AEGON LIFE team!"

 

Soumajit

"I got a Term insurance done from Aegon Life Insurance a few days ago. My experience has been superb since the day I expressed my interest. It being an online service you get everything done upon a few mouse clicks. The product was made available to me within an amazing short period." - MouthShut.com reviewer

 

Pavan

"I have bought the iTerm plan. Before buying this plan, I had lots of doubt and all were clarified in right way to understand. It was simple to buy policy online and it gives the cover upto 80 yrs of insurer's age. Response from customer care was quick and positive and always helpful. I would recommend to buy this policy." - MouthShut.com reviewer

 

Susanta Polley

"Overall great experience! Low EMI compared to other companies, hassle free medical check up, can be arranged as per your convenience (can be done in office or house), and easy documentation. Prompt solutions provided by Aegon. Representative of every query! Overall hassle free and satisfying experience!" - MouthShut.com reviewer

 

Manoj Gupta

"Recently I bought Aegon Life iTerm plan online. Overall experience was so nice because of flexibility of policy. There are several options for everyones need. Most important thing is Aegon deliver, what they promise. Medical procedure is easy, transparent and they share all the finding." - MouthShut.com reviewer

 

Keithe Vares

"I was skeptical on buying a policy online, but this was really simple and fast. After doing my research I finalized on Aegon Life. The experience was hassle free. They rescheduled my medical test as per my convenience and the doctor came on time and took my test. Was also kept posted on the status of my policy and within a week my policy was issued. Wonderful!" - MouthShut.com reviewer