Ageas Federal Life Insurance
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A ₹2 crore term plan is built for households with bigger responsibilities, giving your family more breathing space than a smaller cover allows.
A ₹2 crore cover suits growing incomes and bigger financial commitments, like larger loans or dual-earner household planning.
From clearing a home loan to funding two children's education, ₹2 crore stretches further across multiple family priorities.
Ageas Federal settled 99.82% of claims in FY 2025-26, so a larger cover still comes with a proven track record.
A ₹2 crore cover costs noticeably less in your late 20s than if you wait until your late 30s.
Add the Critical Shield or Accident Care Rider on top of ₹2 crore, so bigger protection covers bigger risks too.
Your full ₹2 crore reaches your nominee tax-free under Section 10(10D), with no deductions cutting into the amount.
Check where ₹2 crore fits based on what you currently earn.
Your family receives the full ₹2 crore payout, with no reductions.
Pick a term aligned to your responsibilities, from active years into retirement.
Pay yearly, half-yearly, quarterly, or monthly, whichever suits you best.
Premiums qualify under Section 80C, up to ₹1.5 lakh deduction yearly.
We keep the claims process straightforward, so your family isn't burdened with complexity during an already difficult time.
Your nominee can reach us through:
A strong claim settlement ratio shows an insurer keeps its word. Ageas Federal settled 99.82% of claims in FY 2025-26, a track record worth relying on.
With a bigger cover, your policy term should stretch across your longest financial commitments, home loans, children's education, and years until retirement.
Ageas Federal is backed by Ageas, a global insurance group, and Federal Bank, giving policyholders a stable, established partnership behind a larger cover.
A ₹2 crore base cover pairs well with the Critical Shield Rider or Accident Care Rider, adding protection scaled to match your higher cover.
Premiums qualify for deduction under Section 80C, while the ₹2 crore payout stays fully tax-free under Section 10(10D), making this an efficient choice.
Your age at purchase plays a bigger role in a ₹2 crore premium than it does for smaller covers, since the insurer is pricing risk against a larger payout. A 25-year-old is priced very differently from someone in their early 40s, even though both are buying the exact same ₹2 crore sum assured. Every year you wait adds up, and for a cover this size, that gap becomes more noticeable over time. Buying early locks in your rate for the full policy term you choose, regardless of how your health changes as you age.
| Entry Age | Policy Term | Monthly Premium |
|---|---|---|
| 25 Years | 35 Years | ₹1298 |
| 30 Years | 35 Years | ₹1723 |
| 35 Years | 35 Years | ₹2460 |
| 40 Years | 35 Years | ₹3630 |
| 45 Years | 35 Years | ₹5462 |
*Indicative premiums for a healthy, non-smoking individual; actual premium is determined based on age, health, and underwriting.
The bigger the cover, the more a delay costs you, since premiums for ₹2 crore rise faster with age than they do for smaller sums assured. Buying early isn't just about saving money, it's about locking in access while you're still easily eligible.
Secure a noticeably lower rate while you're young and healthy.
The gap between an early and late purchase widens further at this cover size.
Protect a larger financial responsibility at a manageable ongoing cost.
Fewer health complications at a younger age make underwriting easier.
Lock in ₹2 crore of protection before costs climb higher.
Your term insurance plan of 2 Crore comes with the same government-backed tax advantages, just applied to a larger sum assured.
Premiums paid toward your Ageas Federal term plan qualify for deduction under Section 80C, helping you save up to ₹46,800 in taxes annually.
The complete ₹2 crore death benefit reaches your nominee tax-free under Section 10(10D), with no deductions reducing the amount received.
Whether ₹2 crore fits your needs depends less on a fixed rule, and more on your current life stage and future plans.
As earnings rise, so does the recommended life cover. For professionals earning ₹9-12 lakh annually, the standard 15-20x income formula naturally lands around ₹2 crore, making it a realistic benchmark rather than an inflated number chosen without reason.
A home loan, a car loan, or other ongoing debts should push your ideal cover higher than pure income alone suggests. A ₹2 crore plan gives enough room to clear these obligations fully, without leaving your family to manage repayments alone.
Two children's education, an upcoming wedding, or a home loan still being paid off all draw from the same pool of financial responsibility. A ₹2 crore cover is built to stretch across these milestones together, rather than falling short at the first one.
Every household's situation looks different on paper. An Ageas Federal advisor can assess your specific income, existing liabilities, and future goals to confirm whether ₹2 crore genuinely fits your needs, or whether a higher cover makes more sense.
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.
Let us help you make the right decision
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