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Exide Life Insurance Term Plans

Exide Life Insurance Company

Exide Life Insurance Company Limited (previously called ING Vysya Insurance Company Limited) is a major player in the insurance market since 2001-02. With 15 lakh customers across the country, it is managing assets of over Rs. 9500 crores. The company is focussed on providing long term protection and savings solution plans thereby helping their customers lead a carefree life while supporting them with financial security. It operates through various channels including Agency, Bancassurance, Corporate Agency & Broking along with Direct Channels as well!

Exide Life Insurance Company Ltd. Term Plans

The company currently has only one term plan in the offering. However, this plan is designed to ensure the customers get maximum protection, maximum benefits at the least possible cost.

Term Insurance Plan Offered By Exide Life Insurance Company Ltd., With Features, Benefits And Eligibility

Exide Life Smart Term Plan


  • The plan offers three options to select from: Classic, Step-up and Comprehensive
  • Guaranteed return of premium at the end of policy term
  • Flexibility in paying premium
  • Added coverage through Critical Illness and Accident Riders


  • The three options for wholesome coverage offered work in the following manner:
    1. Classic: Under this option, the insured receives an amount equal to 100% of all premiums paid at the time of maturity. In case the insured dies during the policy term, the sum assured shall be paid to the nominee
    2. Step-up: Under this option, the insured receives an amount equal to 150% of all premiums paid at the time of maturity. If the insured dies during the policy term, the sum assured shall be paid to the nominee. However, the return of premium depends on the policy term selected:
    3. Policy Term (years) 10-14 years 15-19 years 20-24 years 25-29 years 30 years
      Return of Premium 110% 120% 130% 140% 150%
    4. Comprehensive: Under this plan the insured buys a basic lover cover as per the classic plan for which he will pay an annual premium for a particular policy term. In addition, the policyholder can add a higher life cover by paying an additional nominal premium. At the end of policy term, 100% of the total premium paid under Classic option shall be returned to the insured. If the insured dies during the policy term, the sum assured under classic option along with the additional life cover will be paid to the nominee.
  • The plan offers you the flexibility to choose the premium payment term for all the three options, which are as follows

    Regular Payment Classic, Step-up and Comprehensive
    5 pay Classic and Step-up
    Single Pay Classic and Comprehensive

  • Income tax benefits are applicable under section 80C and section 10 (10) D


    Classic Step-up Comprehensive
Age at Entry Single Pay 18-65 years - 18- 65 years
  5 Pay 18-65 years 18-60 years NA
  Regular Pay 18-60 years 18-58 years 18-60 years
Policy Term Single Pay 10-30 years - 10-30 years
  5 Pay 10-30 years 10-30 years NA
  Regular Pay 12-30 years 12-30 years 12-30 years
Min. Sum Assured Single Pay 5 lakhs - 10 lakhs
  5 Pay 10 lakhs 10 lakhs NA
  Regular Pay 5 lakhs 10 lakhs 10 lakhs
Premium Paying Frequency   Yearly, half-yearly or monthly Yearly, half-yearly or monthly Yearly, half-yearly or monthly


  • Exide Life Accidental Death, Disability and Dismemberment Rider: This rider not only provides financial assistance during an accident, but also if there is any accidental disability or dismemberment is caused
  • Exide Life Critical Illness Rider: It provides you a coverage over 25 critical illnesses like cancer, paralysis, heart attack and such. The lumpsum money is paid at the time of diagnosis of any critical illness to the insured