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On the PolicyBazaar homepage, click on Term Insurance under the Personal tab. Click New Quotes to compare and choose from top insurance providers. Fill your date of birth (DOB), whether you are a smoker/non-smoker, and the payout amount. On the basis of your payout amount, you will get an estimate of your premium. Next click Continue. Fill in your name, email address, city, country code, and mobile number. Click Continue. You will be taken to the Life Insurance quotes page where you will see life insurance quotes of more than 10 insurers. Next, choose the plan as per payment schedule – One Time Payout and Monthly Payout Plans. After reviewing and comparing each life insurance quote, click the premium amount to buy the desired plan. You will see a pop-up on the screen which will give you an overview of the chosen plan like premium, plan features, exclusions, additional riders, etc. Click Proceed. This will take you to the insurers website. You will have to fill in the necessary details to buy the plan.

1. How to pay premium? What are the modes of payment available? Future Generali India Insurance offers three ways to the clients for paying the premium Auto Debit Cash/cheque deposit at Branch Online payment Pay by Phone 2. How can I check policy status for Future Generali term insurance plans? You can check the policy details from the website of the company with your valid username and password. 3. What is the policy renewal process for Future Generali Life term insurance plans? You can renew the policy by login to e-Portal with policy details. Select the payment option (Debi/credit card or by Net Banking) to pay. Finally, print/save the e-receipt. You can deposit the cash before the due date to renew it automatically. 4. What is the companys process to settle claim for Future Generali Life term insurance plans? The company settles the claims within 7 days, provided the documents and the claims form is correct. You will have to apply for the claim at the company through toll free numberor by email. 5. What is the policy cancellation process for Future Generali Life term insurance plans? Simply walk into the nearest branch office with your policy documents and duly filled surrender form. It would take 5 business days to process the cancellation request and deposit the refund premium. An intimation letter on cancelled policy will be posted your registered address.

Future Generali Life Insurance Company Limited was incorporated on September 2007 as a joint venture between Future Group, a leading Indian Retailer with retail outlets like Pantaloons, Big Bazar etc., and Generali Group which is a global insurance group counted among the top 50 companies of the world and Industrial Investment Trust Limited (IITL) which is an investment company. As on September 2015 the company has total assets under management of the value of Rs.2600 crores. The company offers various types of plans to suit the requirement of every individual. What are Term Insurance Plans? Term insurance plans are insurance plans which promise to pay the family of the insured a chosen amount in case of uneventful demise of the insured. The plan has no maturity benefit but is priced very low so that a common man can afford the cover at lower premiums. Why Term Insurance Plans? Term Insurance, being the basic insurance plan, is the cheapest plan in the market where by paying a minimal amount of premium one can avail a high coverage for protection purposes. Life is uncertain and everybody faces the risk of untimely death. On the death of a family member, the family suffers both emotional and financial loss. While emotional loss cannot be compensated, the financial loss suffered can be compensated considerably through insurance. Term insurance, at the same time, offers high coverage at lower costs thus making it affordable to have a high coverage. A high coverage ensures that the family is properly taken care of in the absence of the bread-winner without any financial hiccups. Future Generali Term Plan Insurance Future Generali Life Insuranceoffers two types of term insurance plans to its customers. While one plan is available online, the other can be bought through other channels. Let us take a look at the term plans available with the company. Future Generali Flexi Online Term Insurance Plan An online term insurance plan which provide flexible benefits. The features and benefits of the plan are as follows: The plan can be bought thereby reducing unnecessary hassles Premiums underFuture Generali term insurance plan are required to be paid for the entire duration of the plan The death benefit can be chosen from among the multiple benefit options available with the company. The policyholder may choose the Basic Life Cover option in which case a lump sum payout will be paid on death of the insured during the tenure Under the Income Protection Option, the policyholder may further choose either Fixed Income Protection option or Increasing Income Protection Option. Under this option, in case of death, a fixed monthly amount is paid to the family till the policyholder would have attained 60 years of age. This amount is fixed under the Fixed Income Option or increases by 10% annually in the Increasing Income Protection Option. The policyholder may also choose to create his customized plan under the My Protection Plan Option. There are two death benefit options under this variant namely Fixed Income Protection + Basic Life Cover and Income Protection Option + Basic Life Cover. Under these options, a lump sum benefit will be paid on death and monthly incomes will start either at a fixed rate or at an increasing rate as chosen. Preferential premium rates for non-smokers and lower rates for female lives Discount in premiums for choosing higher Sum Assured levels Tax exemption is available on the amount of claim and amount of premium Eligibility Details Future Generali Term Insurance – Care Plus A term insurance plan at cheap rates of premiums. The features and benefits of the plan are as follows: Premiums under the plan are required to be paid for the entire duration of the plan The plan has two variants of Classic and Premier depending on the level of Sum Assured. The Classic Option is for Sum Assured ranges up to Rs.24, 99, 999 and the Premier Option is for ranges of Rs.25 lakhs and above In case of death of the insured during the tenure of the plan the death benefit is payable which is higher of 10 times the annual premium or the Sum Assured or 105% of all premiums paid till the date of death. Discount in premiums for choosing higher Sum Assured levels of Rs.15 lakhs and above Future Generali Non-Linked Accidental Death Rider is available to enhance the protection under the plan Policyholder can enjoy tax exemptions on the premium outgo and also on the claim Eligibility Details How much Decreasing Term Life Insurance coverage do you need? Decreasing term life insurance, also known as mortgage life insurance, is a kind of insurance that you buy to cover your loans and mortgages. As a result, the value of your decreasing plan should be equal to the loan amount and the term of the policy should be similar to the loan repayment term. Since a decreasing term plan doesnt have a return component and the sum assured keeps decreasing throughout the policy period, it makes no sense to buy such a plan if you do not have a loan or a mortgage. These kinds of life insurance policies are also considerably cheaper and so it becomes easy for people from all walks of life to buy decreasing term life insurance plans. Applying for a Term Plan from the company: Online Future Generali offers specific plans which are available online only. The customer only needs to log into the companys website, choose the required plan, choose the coverage and provide the details. The premium will be determined using the filled details. The customer then needs to pay the premium online through credit card, debit card or net banking facilities and the policy will be issued Intermediaries Plans which are not available online can be purchased from agents, brokers, banks, etc. where the intermediaries help with the application process.