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In technical terms, term plans can be defined as a contract between the insurance company and the person insured wherein the company promises to pay a lump sum amount, called the Sum Assured, if the insured dies during the term of the policy.The term of the policy is the time, in years, for which the plan has been bought by the insured.

The premium will be determined using the filled details.While emotional loss cannot be compensated, the financial loss suffered can be compensated considerably through insurance.Term insurance, at the same time, offers high coverage at lower costs thus making it affordable to have a high coverage.HDFC Standard Life Insurance Company is a joint venture between Housing Development Finance Corporation Limited (HDFC) and Standard Life plc based out of UK.While HDFC holds 74.60% of the company’s stake, Standard Life (Mauritius Holding) Limited holds 26% while the remaining is held by others.

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