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Life Insurance

Your Family's Security.
Your Life's Greatest Gift.

A term life insurance policy costs less than a cup of coffee a day — but guarantees your family never faces financial hardship if you're no longer there. WEVRIN finds the best cover at the lowest premium.

Get Free QuoteWhat's Covered
₹1Cr
Cover from ₹700/month
40+
Insurer Partners
99%+
Claim Settlement Ratio
₹1Cr
Cover from ₹700/month
40+
Insurer Partners
24hr
Claim Support
20+
Years of Expertise

Why Term Insurance

The Purest Form of
Financial Protection

Term life insurance does one thing perfectly — it pays a large, tax-free lump sum to your family if you die during the policy term. No investment, no returns, no complexity. Just pure, affordable financial protection for the people who depend on you most.

At WEVRIN, we help you calculate exactly how much cover you need (usually 15-20x your annual income), choose the right insurer based on claim settlement ratio and solvency margin, and add the right riders — without overpaying for features you don't need.

The Reality Check

The average Indian's life cover is 92% lower than what is actually needed
Most employer-provided group term cover stops the moment you resign
Without life insurance, a family with ₹10,000/month EMI faces immediate crisis at breadwinner's death
Term life insurance family protection

What's Covered

What Term Insurance Covers

Pure protection — no complexity, no hidden clauses when you buy right.

Death Benefit

The full sum assured is paid to your nominee tax-free under Section 10(10D) — regardless of the cause of death (barring exclusions).

Critical Illness Rider

An optional add-on pays a lump sum on diagnosis of 30+ specified critical illnesses — cancer, heart attack, stroke — even if you survive.

Accidental Death Benefit

An extra sum paid over and above the base cover if death is due to an accident. Often doubles the payout for accidental death.

Waiver of Premium

If you are diagnosed with a critical illness or become totally and permanently disabled, all future premiums are waived — your cover continues.

Income Benefit Option

Instead of (or in addition to) a lump sum, some policies pay a monthly income to your family for 10-20 years — replicating your salary.

Section 80C Tax Benefit

Term insurance premiums qualify for deduction under Section 80C — up to ₹1.5 lakh per year. The death benefit is 100% tax-free.

How We Help

WEVRIN's Term Insurance
Advisory Process

1

Human Value Calculation

We calculate your exact insurance need based on income, liabilities, dependants, and goals — not generic rules of thumb.

2

Insurer Comparison

We compare 40+ insurers on claim settlement ratio, solvency margin, premium, and policy wordings — not just the cheapest price.

3

Rider Selection

We advise on which riders add genuine value (critical illness, waiver of premium) and which are unnecessary add-ons.

4

Application & Medical

We guide you through the application, medical underwriting, and disclosure process — ensuring clean claim settlement later.

5

Annual Review

As income grows, we revisit your cover to ensure it remains adequate. Life changes — so should your protection.

How Much Cover Do You Need?

Your annual income₹12,00,000
Recommended multiplier15–20x
Target cover amount₹1.8 – 2.4 Crore
Monthly premium (approx)₹1,100 – ₹1,500
Tax benefit (30% bracket)Up to ₹46,800/yr

*Illustrative for 35-yr non-smoker. Actual premiums vary by age, health, insurer.

Get My Exact Cover Amount

Get Protected Today

Protect Your Family Starting Today

A ₹1 Crore term plan can cost as little as ₹700/month. Let WEVRIN find the best cover for your family.

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