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Become a AdvisorAgeas Federal Life Insurance
A 10 crore term insurance plan is designed for individuals with significant income, valuable assets, and long-term financial responsibilities. Here’s what makes a ₹10 crore cover a worthy investment.
A ₹10 crore cover is suitable for professionals, entrepreneurs, business owners, and high-income earners with substantial financial commitments.
The life cover helps replace multiple years of income, making sure your family's financial stability and lifestyle remain protected.
It helps your family repay home loans, business liabilities, and other financial obligations without compromising future goals.
Ageas Federal Life Insurance has a Claim Settlement Ratio of 99.82% (FY 2025–26), demonstrating a consistent commitment to supporting policyholders' families.
Purchasing a policy early generally helps secure lower premiums while improving long-term affordability.
Enhance your protection by adding eligible riders such as the critical shield rider and accident care rider, subject to policy terms.
Use our tools to calculate and plan better.
Choose a 10 cr term insurance plan that offers comprehensive financial protection and flexibility to suit your evolving life goals.
Your nominee will receive the applicable death benefit if the life assured passes away during the policy term, subject to the policy conditions. This financial support can help your family manage living expenses, liabilities, and long-term financial goals.
Select a policy duration that aligns with your working years, financial responsibilities, loan tenure, or retirement planning ensuring continuous financial protection during your family's most important milestones.
Choose from available premium payment options, which includes regular, limited, or other applicable payment modes, subject to the selected policy variant and insurer guidelines.
Strengthen your 10 crore term insurance cover by adding available riders such as the critical shield rider and accident care rider, subject to eligibility and policy terms.
Premiums paid and benefits received may qualify for tax benefits under the applicable provisions of the Income Tax Act, 1961, subject to prevailing tax laws and individual eligibility.
A 10 Crore Term Insurance plan is a pure protection plan. You pay the applicable premium during the policy term, and if the life assured passes away during the policy period, the nominee receives the applicable death benefit of ₹10 crore, subject to the policy terms and conditions. Since it is a pure term insurance plan, no maturity benefit is payable if the life assured survives the policy term.
Let's understand things with an example of a 32-year-old, married, senior corporate executive earning approximately ₹55 lakh annually. She has one child and is planning for another. She also has an outstanding home loan and actively invests in her family's future through education planning and wealth creation. To protect her family's financial future, she purchases a 10 crore term insurance plan with a policy term that aligns with her financial responsibilities.
In case of her untimely demise within the policy term, the following benefits of a 10-crore term plan come into effect.
The critical shield rider provides additional financial support if the insured is diagnosed with a covered critical illness, subject to rider terms and conditions. This benefit can help manage expensive medical treatments while reducing the financial burden on your family. It complements your base 10 cr term insurance plan by offering protection beyond life cover.
The accident care rider offers additional protection against accidental death or specified accidental injuries, as per the rider's terms and conditions. It provides an extra financial cushion to your loved ones during unforeseen circumstances, making your 10 crore term insurance plan more comprehensive.
The critical shield rider provides additional financial support if the insured is diagnosed with a covered critical illness, subject to rider terms and conditions. This benefit can help manage expensive medical treatments while reducing the financial burden on your family. It complements your base 10 cr term insurance plan by offering protection beyond life cover.
The accident care rider offers additional protection against accidental death or specified accidental injuries, as per the rider's terms and conditions. It provides an extra financial cushion to your loved ones during unforeseen circumstances, making your 10 crore term insurance plan more comprehensive.
Ageas Federal Life Insurance offers multiple channels to help nominees initiate a claim. The claim process is designed to be straightforward, ensuring timely guidance at every stage.
Contact the customer care team to register the claim and understand the required documentation.
Submit the claim request and supporting documents through the official email channel.
Visit the nearest Ageas Federal Life Insurance branch for in-person assistance with claim registration and document submission.
Choosing the right 10 Crore term insurance plan requires more than comparing premiums. You should evaluate the insurer's credibility, your financial responsibilities, underwriting eligibility, and the policy features to ensure long term protection for your family.
Choose an insurer with a strong and consistent Claim Settlement Ratio. Ageas Federal Life Insurance has a 99.82% Claim Settlement Ratio (FY 2025–26).
Select a policy term that covers your earning years, outstanding liabilities, children's education, and other long-term financial commitments.
A 10 cr term insurance plan generally requires higher income proof, detailed financial assessment, and mandatory underwriting due to the large sum assured.
Consider the insurer's financial strength, market reputation, customer service, and long-term commitment before purchasing a policy.
Riders such as the critical shield rider and accident care rider can provide additional protection based on your personal and financial needs.
Review the applicable tax benefits available under the Income Tax Act, 1961, while consulting your tax advisor for personalised guidance.
The 10 crore term insurance premium generally increases with age because the insurer's risk assessment changes over time. Purchasing a policy at a younger age may help you secure lower premiums, provided you meet the underwriting requirements.
| Plan | Use Case | CTA |
|---|---|---|
| Ageas Federal iSecure Plan | Pure protection plan offering life cover with flexible policy and premium payment options for long-term financial security. | Explore Plan |
| Ageas Federal Saral Jeevan Bima | Standard individual pure risk term insurance plan with simple features and standardized benefits prescribed by the regulator. | Explore Plan |
| Ageas Federal Super Protect Plan | Flexible term insurance solution offering protection choices, return of premium option, spouse cover options, and long-term financial security. | Explore Plan |
| Term Insurance with Critical Shield Rider & Accident Care Rider | Enhance your base policy with additional protection against specified critical illnesses and accidental events. Rider benefits are available subject to policy terms and conditions. | Speak to Advisor |
Younger applicants generally enjoy lower premium rates because they present a lower insurance risk.
Locking in premiums early can result in significant savings over the entire policy duration.
Early protection ensures your family remains financially secure throughout your career and major life milestones.
Purchasing a policy before developing age related medical conditions may improve underwriting outcomes and policy eligibility.
Knowing your family's future is financially protected allows you to focus on building wealth and achieving long-term goals.
Eligibility for a 10 Crore Term Insurance plan depends on factors such as: age, income, financial profile, occupation, medical history, and underwriting assessment. Since this is a high value cover, insurers conduct detailed evaluations before issuing the policy.
To purchase a ₹10 crore term insurance plan, you must be at least 18 years old. The maximum entry age is generally between 60 & 65 years, depending on the insurer and the policy chosen.
Since a ₹10 crore term plan provides high life cover, insurers require applicants to have a stable source of income. You may also need to submit income proof, such as salary slips, Income Tax Returns (ITRs) or audited financial statements, to establish your financial eligibility.
Medical underwriting is usually mandatory for a ₹10 crore term insurance plan. Most insurers require applicants to undergo a complete medical examination before approving the policy. Additionally you must submit valid KYC documents, such as your PAN card, Aadhaar, Driving Licence, or Voter ID. Depending on the insurer's underwriting guidelines, additional documents may also be requested.
Premiums paid towards a 10 Crore Term Insurance plan and the benefits received may qualify for tax benefits under the applicable provisions of the Income Tax Act, 1961. These benefits are subject to prevailing tax laws, fulfilment of prescribed conditions, and your individual tax profile. Tax regulations may change over time, so consult a qualified tax advisor before making financial decisions.
Premiums paid towards your eligible 10 cr term insurance policy may qualify for tax deductions under Section 80C of the Income Tax Act, 1961, subject to the overall limit prescribed under the Act and applicable conditions.
The death benefit payable to the nominee under a 10 Crore Term Insurance plan is generally exempt from tax under Section 10(10D) of the Income Tax Act, 1961 subject to the provisions of the Act prevailing at the time of claim settlement.
Before purchasing a 10 Crore term insurance plan, evaluate your financial responsibilities, income, future liabilities, and underwriting eligibility. A high value life cover should align with your long-term financial goals while providing sufficient protection for your family's lifestyle and aspirations.
Buying early generally helps you qualify for lower premiums and may improve underwriting outcomes.
Ensure the sum assured is supported by your annual income and overall financial profile, as high-value policies require financial underwriting.
Consider outstanding loans, children's education, retirement planning for dependents, business obligations and future lifestyle requirements before deciding the appropriate coverage.
Discuss your financial goals, underwriting eligibility and suitable policy options with an authorised insurance advisor before purchasing a 10 crore term insurance plan.
Ageas Federal Life Insurance
Endorsed by Life Insurance Experts
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.
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