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NRI life Insurance

NRI Life Insurance is a life insurance plan designed for Non-Resident Indians (NRIs), PIOs, and OCIs living abroad. It helps NRIs protect their NRI life insurance policies help Non-Resident Indians (NRIs), PIOs, and OCIs protect their families financially, cover liabilities, and replace lost income in the event of unforeseen circumstances. These policies allow you to secure your dependents' future by providing a safety net that is payable to your beneficiaries.

₹1 Crore life cover starts @₹440 p.m.
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What is NRI life insurance?

NRI life insurance is a policy that you can buy in India as a Non-Resident Indian, OCI (Overseas Citizen of India), or PIO (Person of Indian Origin) to protect either your family or grow wealth back home. NRI insurance plans pay out in rupees and stand valid no matter where your family resides in India.
You can buy an NRI insurance policy without having to fly back to India. Depending on the plan, an NRI life insurance may offer pure life cover, act as a savings option, offer investment-linked benefits, and support children's education or retirement support.
Not sure whether NRI life insurance is right for your family? Check your eligibility in a few minutes or request a callback from an Ageas Federal NRI advisor.

Types Of Life Insurance for NRIs?

🛡️

Term Insurance Plans

Ensure your loved ones in India never face a financial setback.

🛡️

Money Back-Plans

Build a guaranteed corpus for your child's higher education.

Child Plans

Child Plans

Live worry-free post-retirement with steady INR income streams.

Pension Plans

Pension Plans

Grow your global wealth with market-linked, long-term plans.

Why Should You Buy Life Insurance for NRIs in India?

Long-term coverage

Term insurances usually have a policy term ranging between 10 and 30 years. This may ensure long-term financial security for your loved ones if anything untoward happens.

Not sure what you need ?
Just send us a message for more info

Why Ageas Federal NRI Plans Stand Apart

Feature
Traditional Insurance
Ageas Federal NRI
Remote onboarding
24×7 global support
India tax benefits (80C / 10(10D))
End-to-end online servicing
NRE / NRO payment support
Faster overseas claim support

How This Plan Works?

Get insured in just 10 minutes

A four-step journey designed for global Indians.

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Step 1

Fill basic details

Tell us your age, country & cover need.
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Step 2

Choose your plan

Pick from personalized recommendations.
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Step 3

Online verification

Quick video KYC — no paperwork.
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Step 4

Policy issued digitally

Receive your policy instantly via email.

Reasons NRI’s choose life insurance in India

01

Family Financial Security

Ensure your loved ones in India never face a financial setback

Security for your family, Growth for your future.

family
02

Child Education

Build a guaranteed corpus for your child”s higher education.

Lower your tax liability, keep more of your money.

family
03

Retirement Planning

Live worry-free post-retirement with steady INR income streams.

Security for your family, Growth for your future.

family
04

Wealth Creation

Grow your global wealth with market-linked, long-term plans.

Security for your family, Growth for your future.

family
05

Tax Benefits

Save taxes in India under sec 80C, 10(10D) and DTAA where applicable.

Security for your family, Growth for your future.

family
06

Loan Protection

Cover home loans and liabilities-your family stays in thier home.

Security for your family, Growth for your future.

family

Plans For Every Goal

Find the right plan in minutes

Term Insurance

iTerm Prime Protect

Up to ₹10 Cr

  • Cover till age 85
  • Critical illness rider
  • Premium return option
Term + Income

Family Shield Plus

₹1 Cr+ cover

  • Monthly income to family
  • Spouse cover available
  • Whole-life option

Eligibility Criteria for NRI Life Insurance in India

AGE

18 - 66 years

Entry age across most NRI plans

RESIDENCY NRI

/ PIO / OCI

From 30+ countries including UAE, USA, UK, Canada, Singapore, Australia

KYC

Passport + Visa

Valid passport, visa/residency proof & overseas address

INCOME PROOF

Last 6 months

Salary slips, bank statements or employment letter

MEDICAL

Tele / Video

Conducted remotely — no travel to India required

Who Can Apply?

<p class="pb-2">Open to a wide spectrum of global Indians — confirm your eligibility in under 60 seconds.</p> <ul> <li>&#10004; Non-Resident Indians (NRIs) holding Indian passport</li> <li>&#10004; Persons of Indian Origin (PIO) cardholders</li> <li>&#10004; Overseas Citizens of India (OCI) cardholders </li> <li>&#10004; Foreign nationals residing in India on long-term visa</li> <li>&#10004; Indian citizens on deputation / work assignment abroad </li> <li>&#10004; Merchant Navy professionals & seafarers </li> </ul>

SUM ASSURED

₹25L – ₹10 Cr+

POLICY TERM

10 – 40 years

PROCESS

100% Online

What documents do you need to buy NRI life insurance?

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Photograph

Recent passport size photograph.

Any One Required

Photo Guidelines

  • ✓ Recent photo (not more than 6 months old)
  • ✓ Clear face, looking straight
  • ✓ White or light background
  • ✓ No sunglasses, filters or group photos
  • ✓ JPG/PNG format (Max size 2MB)

Get country-specific guidance on NRI term insurance

Upload a recent, clear passport size photograph.
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Identity Proof

Proof of your identity as per government records.

Any One Required

Accepted Documents

  • ✓ Aadhaar Card
  • ✓ Passport
  • ✓ Driving License
  • ✓ Voter ID
Any one of the above valid documents is required
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Age Proof

Proof of your date of birth as per government records.

Any One Required

Accepted Documents

  • ✓ Aadhaar Card
  • ✓ Passport
  • ✓ Driving License
  • ✓ Birth Certificate
  • ✓ Baptism Certificate/PAN Card
Any one of the above valid documents is required
SHARE YOUR EXPERIENCE

Your voice helps fellow
NRIs choose with
confidence

Rate your journey with Ageas Federal and share honest feedback. Every review is verified and moderated to help future policyholders.

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AVG RATING

12K+

REVIEWS

99.95%

RECOMMEND

Reviews are moderated. By submitting, you agree to our review policy.

Ageas Federal Life Insurance Shield

Ageas Federal Life Insurance

Endorsed by Life Insurance Experts


Ageas Federal is a trusted Life Insurance Partner

At Ageas Federal Life Insurance, we are dedicated to creating meaningful insurance solutions that help individuals build a secure and confident future. With over a decade of experience, we offer a wide range of plans across protection, pension, savings, investment, annuity, and health, designed to support evolving financial needs at every stage of life.

Frequently asked questions about NRI life insurance

Yes, NRIs, OCIs, and PIOs can buy life insurance in India under FEMA. One doesn't need to travel, as telemedical and video medical check-ups allow completing the process from your country of residence.
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Trusted by NRI Families Worldwide

icon-shield-green-xs.pngIRDAI Approved
icon-users-xs.png25 Lakh+ Customers
icon-award-badge-xs.pngClaim Settlement 99.95%
on Google5

“I am grateful to Mr. Madhukar Shinde and Ageas Federal Life for their incredible assistance in processing my wife’s death claim. Their prompt service amazed me- I received the claim amount within 24 hours of applying.”

AP

Ashok Pagare

Mumbai, Maharashtra

“I am grateful to Mr. Madhukar Shinde and Ageas Federal Life for their incredible assistance in processing my wife’s death claim. Their prompt service amazed me- I received the claim amount within 24 hours of applying.”

KD

Kunal Dalvi

Pune, Maharashtra

“I am grateful to Mr. Madhukar Shinde and Ageas Federal Life for their incredible assistance in processing my wife’s death claim. Their prompt service amazed me- I received the claim amount within 24 hours of applying.”

SR

Sunita Rao

Bangaluru, Karnataka

This sales literature gives only the salient features of the Ageas Federal Life Insurance Super Protect Plan. It uses easy-to-understand language to explain the features. Your plan is governed only by the full legal terms, conditions and exclusions as contained in the policy document. There are riders attached to this plan. Please read the policy document for more details. Ageas Federal Life Insurance Super Protect Plan is a Non-linked, Non-participating, Individual, Pure Risk Premium and Savings Life Insurance Plan (UIN:135N102V01). The product is underwritten by Ageas Federal Life Insurance Company Limited (IRDAI Regn. No 135; Corporate Identity Number (CIN) - U66010MH2007PLC167164) having its corporate and registered office at: Ageas Federal Life Insurance Company Limited, 22nd Floor, A Wing, Marathon Futurex, N. M. Joshi Marg, Lower Parel – East, Mumbai – 400013. Website: www.ageasfederal.com. Toll-Free: 1800 209 0502. Trade Logo displayed above belongs to The Federal Bank Limited and Ageas International Insurance N. V. and used by Ageas Federal Life Insurance Company Limited under license from respective partners. Ageas Federal Life Insurance Company Ltd. does not assume responsibility on tax implication.
#18-year-old healthy non tobacco consuming male with policy term 10 years and Premium payment term for 10 years A Non-Linked Non-Participating Individual Pure Risk / Savings Life Insurance Plan (UIN: 135N102V01)