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IndiaFirst Life Insurance Company Limited is India’s youngest provider of life insurance. The company was started in 2009 where it was ranked 22nd private sector insurance provider in India. However, with their passion to serve top-notch products and services to the customers the company climbed up the position and is now ranked 12th in the private sector insurance providing company. The founding partners of IndiaFirst Life Insurance Company were Bank of Baroda, Andhra Bank, and Legal & General. Today, the shareholding stands at Bank of Baroda – 44%, Union Bank of India (as Andhra Bank was amalgamated into Union Bank of India) – 30%, and Carmel Point Investments India Private Limited – 26%.
Top IndiaFirst Life Insurance Plans (2020)
IndiaFirst Life Insurance Company Limited is a known and trusted brand in India. There are various insurance plans offered by the company to care for the needs of different types of people. The company offers a diversified product suite of 31 insurance plans under various categories like Protection Plans, Wealth Creation Plans, Assured Saving Plans, Pension Plans, and Health Plans. This complete set of insurance products helps the customers to prepare themselves for the uncertainties of life. The product portfolio is simple to comprehend and offers extensive benefits at a competitive premium amount. Let us explore the various products of IndiaFirst Life Insurance Company:
IndiaFirst Life Term Insurance Plans
A term insurance plan is designed to commit financial security to your loved ones in your absence. A term insurance plan or a protection plan offers financial protection to your family and loved ones in your absence. As the name suggests, a term plan covers the risk of premature death of the insured. In the event of the death of the insured, the nominee receives the death benefit sum assured thereby securing your loved ones in unforeseen circumstances. Usually, a term insurance plan is designed to cover the risk of death i.e., in the event of survival they do not offer benefits, however, with changing times now there are few term insurance plans that offer a return of premium. Thus, by availing of a term insurance plan, you can be stress-free as your family’s financial needs shall be taken care of by the insurance provider in your absence.
Term Insurance Plans Offered by IndiaFirst Life Insurance -
| Product Name | Product Description |
|---|---|
| Online Term Plan | This is a term plan aimed to ensure the financial security of your loved ones and help them face unforeseen situations stress-free. The plan can be purchased through an online channel at a cost-effective premium. The plan is designed to offer unforeseen life-changing situations like the untimely or premature demise of the insured, Accidental Total Permanent Disability of the insured, and Critical as well as Terminal Illnesses. The plan also offers the facility to increase your sum assured at certain important milestones of life like Marriage, Housing Loan, and Birth of your Child or Adoption. The plan offers 8 different coverage options as per your financial safety needs. You can tailor suit your coverage options and choose anyone from the 8 coverage options available. Additionally, in the event of the death of the insured during the policy term, the nominee can receive the death benefit either in a lump sum or in instalments as per the coverage option opted at the time of policy purchase. |
| IndiaFirst Life Plan | This is a protection plan that offers insurance coverage for a period of up to 40 years. The plan offers comprehensive insurance coverage to protect your family against the financial uncertainties in your absence. In the event of the death of the insured, the plan ensures assured benefits to the nominee. The maximum sum assured that can be purchased under this plan is INR 5 Crores. |
| IndiaFirst Life Guaranteed Protection Plan | This is a protection plan that not only covers the risk of death but also offers a return of premium option. In the event of the death of the insured the nominee receives the death sum assured while in the event of survival of the insured till the end of the policy tenure, he/she will receive the maturity benefit equivalent to the premium amount paid. Under the Dual Protection Option, the plan offers survival benefits along with life cover at the retirement age. The Accidental Death Cover option is also available at a minimal premium amount under the plan. |
IndiaFirst Life Endowment/Savings Plan
An endowment plan or a savings plan is a traditional life insurance policy designed to offer life insurance cover along with savings creation opportunities. Saving money for future financial needs and contingencies is a necessity. The manner to save money is various like putting money in the savings bank account or investing in a fixed deposit receipt etc. However, investing in a traditional insurance plan is a good option because:
- It provides insurance coverage to cover the risk of premature death
- Helps you to accumulate money that is received at important milestones of life
- You can be assured that the accumulated money shall be received by your loved ones to help them tackle their financial needs as per your discretion even in your absence.
- Investing in an endowment plan promotes the disciplined and organized investment of money
Endowment/Savings Plans Offered by IndiaFirst Life Insurance -
| Product Name | Product Description |
|---|---|
| IndiaFirst Life-Long Guaranteed Income Plan | This is a traditional endowment plan designed to offer life cover along with savings options. Under this plan, the insured can pay the premium amount for short periods and can enjoy the insurance benefit for a longer tenure. The plan offers guaranteed regular income to help you fulfil your financial goals. Under the Definite Income Option, you can boost your income and aid lifestyle needs. The plan also offers a Whole Life Income Option wherein the insured will get guaranteed income till 99 years of age. Return of total premium paid amount to the insured at the end of the income benefit period. You can enhance your insurance cover by opting for riders. |
| IndiaFirst Life Mahajeevan Plus Plan | This is a non-market-linked, participating individual insurance plan. The plan is a limited pay insurance policy where you pay a premium for a limited period while enjoying the insurance coverage for a longer tenure. Additionally, this is a money-back endowment plan which pays money at regular intervals with which you can plan your finances strategically. The plan pays 103% of your annualized premium across regular intervals like at the end of the 3rd, 7th, and 11th policy year. Insurance coverage can be enhanced by opting for riders like IndiaFirst Term Rider or IndiaFirst Life Waiver of Premium Rider by paying a nominal additional rider premium. |
| IndiaFirst Life Cash Back Plan | This is a traditional-money back policy that guarantees income pay-outs at regular intervals so that you can plan financial needs strategically. In the event of the death of the insured, the death benefit is paid to the nominee while in the event of survival the insured will receive assured maturity benefit along with accumulated guaranteed additions. With this plan, you can do long-term investment and help meet not only long-term financial needs but also medium and short term financial needs. |
| IndiaFirst Life Maha Jeevan Plan | This is a traditional endowment plan that offers assured maturity benefits along with a reversionary bonus (if any) at the time of policy maturity. While, in the event of the death of the insured during the policy tenure, the nominee is paid the death benefit. Facility to enhance the scope of insurance coverage is also offered with the help of the Rider facility. Insured can increase the insurance coverage by opting for a waiver of premium rider to enhance the insurance cover and base plan benefits. |
| IndiaFirst Simple Benefit Plan | This is an insurance policy designed to offer insurance coverage to cover the risk of premature death as well as offer opportunities to save money for future financial needs. This plan offers the death benefit to the nominee in the event of the death of the insured. While in the event of survival of the insured it pays out the maturity benefit. |
| IndiaFirst Life Guaranteed Monthly Income Plan | This is a traditional, non-market linked, profit-participating life insurance policy that offers the benefit of longer insurance coverage with a limited premium payment option. The plan is designed to offer monthly guaranteed pay-outs after completion of the premium payment term. Such periodic pay-outs offer steady and supplemental income. The plan offers the freedom to choose the tenure for premium payment and the policy duration as per the financial needs and convenience of the insured. |
| IndiaFirst Life Smart Pay Plan | This is a savings plan that is a perfect blend offering risk coverage and savings opportunities both at the same time. The plan offers the best liquidity opportunities in times of financial needs that too by paying a premium for a shorter tenure. In the event of survival of the insured, they will receive back 103% of one annual premium as a survival benefit. |
| IndiaFirst Life Guaranteed Benefit Plan | A traditional savings plan designed to offer guaranteed benefits to help you have a stress-free future. This plan can be customized completely as per the financial goals and convenience of the insured. Customisation of the insurance plan in terms of Income to be received, Policy Tenure, and Premium Paying Term give the insured the freedom to plan their future strategically. The Short Premium Paying term option is available under this plan that is beneficial to help you fulfil long term financial goals. You can also avail of the benefit either in a lump sum or under the income benefit option. |
IndiaFirst Life Unit Linked Insurance plan
Unit-linked Insurance plans as the name suggests are insurance plans whose performance is linked to the performance of the market. These insurance policies offer dual benefits i.e., insurance coverage and investment opportunity. You can purchase a ULIP by investing a certain corpus of money regularly in various funds depending upon your risk appetite. Investing in a unit-linked insurance plan is beneficial as it offers an effective manner to multiply your wealth by offering risk-based investment strategies.
Unit-linked Insurance Plans Offered by IndiaFirst Life Insurance -
| Product Name | Product Description |
|---|---|
| IndiaFirst Life Wealth Maximizer Plan | A unit-linked insurance policy that helps you create a legacy by accumulating wealth for your loved ones. The plan offers the dual benefit of life insurance cover along with the opportunity to systematically create a financial corpus. Under this plan, you can invest in market-linked funds depending upon your risk appetite. To meet the need of emergency financial contingencies partial withdrawal of funds facility is available at any time after completion of 5 policy years. To maximize the savings unlimited fund switch facility is available. |
| IndiaFirst Money Balance Plan | This is a unit-linked insurance plan that offers triple benefits – insurance coverage, investment opportunity, and security of invested money. Even though this is a market-linked insurance plan it offers an opportunity to manage and plan your money wherein you can optimize your investments with an ‘automatic trigger-based’ investment strategy. |
| IndiaFirst Smart Save Plan | This is a unit-linked insurance plan designed to offer insurance coverage to cover the risk of premature death. Additionally, it offers the opportunity to build wealth by systematically investing your premium in market-linked funds to build your wealth portfolio. In the event of the death of the insured, the nominee receives the death benefit while in the event of survival of the insured until the end of the policy tenure, the maturity benefit is paid to the life assured. To maximize investments ‘switching’ of funds or ‘redirection of premium’ facility is available under this plan. |
IndiaFirst Life Retirement Insurance Plans
A pension plan or a retirement insurance plan is an essential investment to ensure financial independence even if your professional innings come to an end. By investing in a pension plan you can systematically plan your finances without compromising on the financial needs of your old age. A retirement plan helps you build a financial corpus that will ensure that you meet any unforeseen expenses even after losing your regular professional income. A retirement plan is designed to help you meet specific financial security that is important during the golden years of life.
Retirement Plans Offered by IndiaFirst Life Insurance -
| Product Name | Product Description |
|---|---|
| IndiaFirst Guaranteed Retirement Plan | This is an annuity plan that provides financial protection in the golden years of your life. The plan offers to help you earn guaranteed returns in the initial years of the insurance plan and a further opportunity to build a retirement corpus with the help of a bonus. You can invest in this pension plan at your convenience – Regular Premium Payment, Limited Premium Payment, or Single Premium Payment. |
| IndiaFirst Immediate Annuity Plan | This pension plan offers insurance coverage, systematic investment to cope with the financial needs arising in the post-retirement phase. Additionally, the corpus can be utilized to face financial contingency like healthcare costs or to stay afloat in times of inflation. Under this plan, you can receive definite income as per your convenience – monthly, quarterly, half-yearly, or yearly. The plan offers 4 annuity options to choose from – life annuity, joint life last survivor annuity for life, life annuity with return of purchase price and annuity certain for a period. By investing in this plan, you can choose to support your spouse and leave a legacy behind, in your absence. |
| IndiaFirst Life Guaranteed Annuity Plan | This plan ensures you receive regular income throughout your life. The plan offers 12 types of annuity options – you can choose anyone to receive assured lifetime income. |
IndiaFirst Life Child Plan
A child insurance plan is an instrument that ensures an assured stream of wealth for the financial wellbeing of your child’s future financial needs. A child insurance plan offers life coverage that ensures financial security for your child’s needs even in your absence. A child plan is an insurance-cum-child savings plan that helps you create a corpus to meet your child’s financial needs.
Child Insurance Plan Offered by IndiaFirst Life Insurance -
| Product Name | Product Description |
|---|---|
| IndiaFirst Life Little Champ Plan | A traditional child insurance plan that guarantees regular pay-outs to help you plan for your child’s dreams and goals. By investing in this plan, you can secure your child’s future financially even in your absence. Additionally, you can protect the dreams and aspirations of your child with an inbuilt waiver of premium rider. You can choose the manner in which your loved ones will receive the money in the event of your untimely death i.e., either as a lump-sum payment or as regular income. Flexibility to choose the premium paying term and policy tenure as per your financial convenience and needs. |
IndiaFirst Life Insurance Riders
A life insurance policy is an instrument that offers life-long protection through systematic investments. However, sometimes you need more insurance coverage to meet all the financial goals but the premium amount can burden you. Therefore, opting for a rider facility is a solution wherein you can widen the scope of your insurance coverage at a minimal premium amount. The rider sum assured is paid to the nominee or the insured (as the case may be) at the onset of a particular event. The basic feature of the rider facility is to offer additional insurance coverage at a minimal cost. Various insurance companies offer a wide range of rider facilities. The insured has to decide and avail of the best-suited rider option and add it to the base plan to widen the scope of insurance coverage.
Riders Offered by IndiaFirst Life Insurance -
| Rider name | Rider description |
|---|---|
| Waiver of Premium Rider | With the IndiaFirst Waiver of Premium Rider, you can protect your loved ones by choosing this rider. Under this rider, you can protect your family from the burden of paying future premium amounts in event of the occurrence of death, critical illness, or accidental total and permanent disability. By choosing this rider all future premiums shall be waived off under the above-mentioned situations. |
| IndiaFirst Term Rider | As the name suggests, by choosing this rider you can broaden the scope of your insurance coverage as in the event of death during policy tenure due to an accident the nominee shall receive an additional sum insured. |
Benefits of Buying IndiaFirst Life Insurance Plans
IndiaFirst Life Insurance Company is one of the youngest and most promising life insurance providers in India. The company has introduced a wide range of insurance products to safeguard the insurance and financial needs of its customers. The plans are designed to offer numerous benefits and facilities to the insured to ensure that their insurance needs are covered along with providing financial security. The benefits offered by the insurance products depending on the type of insurance plan opted by the insured. However, let us see some of the most promising benefits offered by IndiaFirst Life Insurance Plans:
- Financial Security-
One of the most primary and important benefits offered by the IndiaFirst Life Insurance Plans is to offer financial security to the insured. All the plans offer to pay a guaranteed sum of money to the nominee in the event of the death of the insured during the policy tenure. In case of an endowment plan, maturity benefits, bonuses, etc. are offered to widen the scope of financial security. Under the child plan, periodic pay-outs will ensure that finances shall be available at important milestones of the child’s future. Thus, in this manner, by purchasing the IndiaFirst Life Insurance Plan, the insured can stay stress-free and relax as the financial future of their loved ones is secured. - Fortune Creation-
One of the important aspects of investing in life insurance instruments is to multiply and grow wealth. IndiaFirst Life Insurance Company has multiple insurance plans that help you in growing your wealth and fortune creation. Endowment plans and unit-linked plans are designed to help you aid and multiply your wealth. Make use of these plans to invest your premium for a stipulated time and enjoy benefits at a later stage. Investing in traditional plans will help you build a corpus that can be utilized to plan and achieve your future life goals and dreams while investing in market-linked insurance plans will ensure that the money growth is fast-paced depending upon the fund you have opted for. - Financial Planning –
IndiaFirst Life Insurance Company has introduced numerous life insurance products to help you plan your finances systematically. The plans offer insurance coverage along with appropriate financial planning. With products like child plans, retirement plans, savings plans, term plans, etc. you are able to plan your future finances strategically. All these plans are the best instruments to ensure that your loved ones are financially secured and all their financial needs are taken care of even in your absence. By investing in the insurance plan systematically you can create and build a corpus that will take care of the financial needs of your loved ones and help you receive money in times of contingencies. - Achieve Financial Goals-
By investing in IndiaFirst Life Insurance plans you can plan your finances ahead of time. With the insurance plans offered by the IndiaFirst Life Insurance company, you can plan to achieve your short-term or long-term financial goals like a child’s education, foreign trip, down-payment of your dream car, etc. - Loan against Policy-
Financial contingencies come uninvited and it is important to be ready to face such situations. Thankfully, IndiaFirst Life Insurance Plans are your go-to liquidity solution in times of financial emergency. Most of the insurance plans of IndiaFirst Life Insurance Company offer the facility of Loan against Policy wherein after completion of the certain pre-specified period the insured can avail loan on their insurance policy without disturbing the insurance coverage and accumulated savings. - Liquidity-
All the life insurance plans of IndiaFirst Life Insurance Company offer benefits and facilities like partial withdrawal, the surrender of the policy, loan against the policy, etc. these plans can be used to overcome the need for money. - Retirement Planning-
IndiaFirst Life retirement plans help you outline retirement goals. Investing in a retirement plan ensures that you have a strong financial backup to face undesired situations like medical emergencies without much stress. By investing in pension plans you can retire with dignity as you do not have to be financially dependent on anyone plus there is no need to compromise on your lifestyle. Additionally, you can also leave behind a legacy for your surviving spouse and/or loved ones. - Tax Benefits-
Enjoy tax benefits on the premium paid amount as per the prevailing income tax laws.
IndiaFirst Life Insurance Claim Settlement Process
IndiaFirst Life Insurance Company has a simple 3 step claim settlement process. The claim process is of 2 types namely Maturity Claim and Death Claim. Let us understand the process of filing and registering the claim processing.
- Maturity Claim
Maturity Claim arises in the event of the survival of the insured until the end of the policy term. A maturity claim is registered by the insured by submitting all the required relevant documents like duly filled discharge form, original policy documents, bank details, etc. - Death Claim
A death claim arises in the event of the death of the insured. The claim is registered by the nominee of the insured. For registering the claim, the nominee has to submit a series of documents as stated by the insurance company.
Thus, by following the steps laid down by IndiaFirst Life Insurance Company, the nominee or the insured (as the case may be) can register the claim with the insurance provider and avail of the benefit. For any queries or assistance, the nominee or the insured (as the case may be) can contact the nearest branch office of IndiaFirst Life Insurance Company or contact the call centre helpline number.
Documents Required for Death Claim
IndiaFirst Life Insurance Company has a simple and hassle-free claim process. Once the nominee intimates the claim to the insurance provider, he/she has to submit the following required documents:
- Duly filled and signed Claim Intimation Form
- Original Death Certificate or an attested copy of death certificate
- ID proof and Address proof of the nominee
- Original Policy Document
- Copy of bank passbook along with a cancelled cheque of the nominee’s personal bank account
- Copy of FIR, Post-Mortem Report, Panchanama, etc. in case of an unnatural case like accidents, murder, suicide, etc.
- Hospital Documents like Discharge Summary, Diagnosis Reports, etc.
Documents Required for Maturity Claim
In case of a maturity Claim, the insured has to submit the following documents to the insurance provider:
- Filled and duly signed claim intimation form
- Original Policy Document
- Copy of Pan Card of the Policyholder
- Bank Passbook along with Cancelled Cheque of the bank personal account of the policyholder
IndiaFirst Life Insurance Tax Benefit
IndiaFirst Life Insurance Company and its varied insurance plans offer a tax benefit to the insured. Insurance policies are instruments used for availing insurance coverage, wealth creation as well as availing tax benefits. A tax benefit is a facility offered by the insurance provider to the policyholder for timely payment of the insurance premium. The amount of tax benefit is based on the type of insurance plan availed by the policyholder. Additionally, the tax relief can be obtained on the premium amount paid for insurance policies purchased to secure self/spouse/parents and kids. The following table illustrates the amount of tax relief that can be availed under various sections of the Income Tax Act.
| Income Tax Act Sections | Tax Benefit Available |
|---|---|
| Section 80C | Under this section, the policyholder can enjoy an Income Tax Benefit of up to 10% of the SA, (subject to a maximum of INR 1.50 Lakhs) on all premium amounts paid for IndiaFirst Life Insurance plans. |
| Section 80D | Under this section, the policyholder can avail of Income Tax Benefit on the premium amount paid for self and/or spouse insurance policy amounting to INR 25000 and INR 50000 tax benefit is available for a premium amount paid for insurance policy availed for senior citizens per financial year. |
| Section 10 (10D) | This section offers tax benefit to the nominee i.e., the death benefit received by the nominee in the event of the death of the insured is treated as a tax-free income in the hands of the nominee. Additionally, the maturity benefits, as well as the survival benefits received by the nominee, can also be tax-free subject to certain terms and conditions. It is recommended to check the terms and conditions of the insurance plan and tax laws before investing. |
| Section 80CCC | Under this section, the tax benefit can be availed on the premium amount paid for annuity plans by the policyholder. |
IndiaFirst Life Insurance Customer Care Details
IndiaFirst Life Insurance Company is an energetic, young, and established life insurance provider in India. The company has a strong foothold in the minds of its customers as the company offers the best-in-class customer service. The company is constantly available for providing dedicated customer service and helping customers to resolve queries to the best of customer satisfaction. The company has a dedicated customer service department. The following is a quick synopsis of the various ways in which customers can reach IndiaFirst Life Insurance Company.
| Toll-free Number | 1800 209 8700 |
| For NRI Customers | +91 22 62749898 |
| Call centre timings | Monday to Saturday 9 AM to 7 PM |
| Write to the insurance company at | 12th and 13th Floor, North [C] wing, Tower 4, Nesco IT Park, Nesco Center, Western Express Highway, Goregaon (East), Mumbai – 400063. |
| Email ID | For service request: customer.first@indiafirstlife.com For Claims: claims.support@indiafirstlife.com |
| WhatsApp Service | 022 – 62749898 |
| SMS Service | 92444 92444 |
IndiaFirst Life Insurance Review
IndiaFirst Life Insurance Company is one of the youngest and leading life insurance companies in India. The following are a few of its interesting facts about the company:
- The company has a claim settlement ratio of 92.82% in the year 2018-19.
- During 2019-2020, the company earned the recognition of ‘customer excellence in Insurance Sector’, ‘Great Place to Work’, ‘ACEF Grand Prix Award’.
- IndiaFirst Life Insurance Company introduced a ‘Stress ko Kill karo’ Campaign during the covid 2020 stressful times.
- IndiaFirst Life Insurance company offers a need-based insurance product offering wherein numerous insurance plans are offered as per the insurance and financial needs of its customers. Additionally, these plans are designed to help the customer achieve their financial goals.
The company has a simple, transparent, and hassle-free claim settlement process. The 3-step process ensures that the nominee or the insured (as the case may be) receives the claim amount quickly once all the required documents are received by the company.
IndiaFirst Life Insurance FAQs
1. Can I take a policy loan on the IndiaFirst Life Insurance plan?
Yes, Loan against policy facility is available on IndiaFirst Life Insurance Plans. Additionally, this facility is available after completion of a stipulated period. However, it is recommended to ascertain the terms and conditions of the policy.
2. How can I revive my policy which has been lapsed?
If you have not paid the due premium at a time or within the grace period then your active insurance policy will get lapsed i.e., no benefits are payable for lapsed policies therefore it is important to revive your insurance policy. So, to revive the lapsed policy you must pay all the due premiums and if required all the necessary documents required by the insurance provider to revive your insurance policy.
3. Which premium paying frequencies are allowed under IndiaFirst Life Insurance Plans?
IndiaFirst Life Insurance Company allows online as well as offline premium payment mode. The various premium payment frequencies available for customers are Annually, Semi-Annually, Quarterly, Monthly, and Single Premium. Customers can choose the premium payment frequency as per their financial convenience and need.
4. Can I delete or add riders with IndiaFirst Life Insurance plans?
Yes, the addition and/ or deletion of riders is possible with IndiaFirst Life Insurance Plans. You can add or delete the riders as on the policy anniversary date provided the selected rider is available under the plan. Therefore, it is recommended to check the terms of the rider facility before availing.
5. Can I cancel my insurance plan if I am not satisfied with the terms and conditions of the plan?
Yes, if you are not satisfied with the terms and conditions of the policy you are free to cancel the same within the free-look period. The free-look period is the time frame offered by the insurance provider to the insured wherein if they are not satisfied with the policy they can withdraw the invested money.
6. What are the payment modes for IndiaFirst Life insurance policies?
The premium amount of IndiaFirst Life Insurance Policies can be paid via various payment modes namely NEFT, RTGS, Cheque, Net Banking, Debit Card, or Credit Card.
7. How will I receive my claim amount from the IndiaFirst Life Insurance plan?
The nominee or the insured (as the case may be) shall receive the claim amount in the manner they stated in the discharge form. However, the insurance provider encourages NEFT or RTGS payment of the claim amount.
8. How can I check the policy status of the IndiaFirst Life Insurance Plan?
You can check the status of your IndiaFirst Life Insurance plan by visiting the official website of the company. Alternatively, you can contact the customer care department for the same.
9. How can I track the performance of the policy funds in the case of unit-linked insurance plans?
Visit, https://www.indiafirstlife.com/funds-and-nav/fund-performance to check the performance of your policy funds. Alternatively, the fund performance report sent by the insurance company also states all the details of the policy funds in case of your unit-linked insurance plan.
10. How many riders can I choose under IndiaFirst Life Insurance plans?
You can choose as many riders under their IndiaFirst Life Insurance Plan. However, riders can opt only if the choice of the rider is available under the chosen plan. Therefore, it is recommended to read the terms and conditions of the policy before investing.