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Sahara Term Insurance

Part of the Sahara Pariwar, Sahara Life provides Life Insurance plans since the approval of License in India. Sahara India Life Insurance Company Ltd. has been approved by IRDA and was granted License on 6th February 2004.

In 2004, Sahara Life became the first purely Indian Life Insurance company.

With the approval of License, Sahara India Life Insurance Company Ltd became the first wholly and purely Indian company with no collaboration. And without any foreign collaboration entered the Indian Life insurance market. Sahara Life commenced their operations in October, 2004. Sahara Life Insurance offers individual and Group plans to cater different needs.

Benefits of Sahara Term Insurance

  • Low Cost Protection Plan - Provide financial protection to your family at low cost
  • Rewards - Rewards for living a healthy lifestyle
  • Optional Accidental Death Benefit Rider
  • Premiums - You can opt monthly or annually premium paying option
  • Tax Benefits - Tax saving benefits under Section 80C and 10(10D)

Types of Sahara Term Insurance Plans

Sahara Life Insurance offers a pure protection plan to provide financial security to your family and the option to secure an income for the family in case of an unfortunate event of breadwinner’s death.

Sahara Life Suraksha Kavach

Features :

  • The minimum age is 18 years, and maximum age is 50.
  • Policy Term starts from minimum of 15 years and maximum upto 20 years.
  • The maximum age of insured should be of 65 years.
  • The minimum sum assured Rs. 5 Lakh.
  • The premium paying term - Regular premium.
  • Flexibility in paying premiums - Yearly/half-yearly/Quarterly/Monthly.
  • The nominee receives the sum assured in the case of an untimely demise of an insured during the policy term.
  • Death Benefit - Lump Sum payout of 100% sum assured is paid to the nominee.
  • Tax Benefits as per the Section 80C and 10(10D) under the Income Tax Act, for premiums and the payouts.
  • No Maturity benefits.
  • Customize with Accidental Death Rider: In the case of an accidental death of the insured, an additional amount in addition to the basic sum assured given the nominee

Exclusions of Sahara Term Insurance


  • If the insured commits suicide within one year from the date of commencement/reinstatement/revival of the Policy, the policy will terminate and become void and nothing shall be payable.

Claim Process of Sahara Term Insurance

Claim Registration:

  • Intimate Sahara Life with Duly signed form and mandatory documents to register the claim.
  • Customer Care number: 1800-180-9000
  • Email: grievance.life@sahara.in

Claim Documents:

Following Documents are required along with the filled Forms:

  • Original policy document
  • Death Certificate
  • Copy of Bank Pass Book/ Cancelled Cheque
  • Hospital / Other treatment records
  • Claiman’t Photo Identification & address proof
  • Physician's Statement
  • Post-mortem & chemical viscera report (if performed)
  • Police reports/ F.I.R in case of an unnatural death

Claim Settlement: The nominee will receive the sum assured on the claim approval.

Review of Sahara Term Insurance

Sahara Life, first wholly Indian Life Insurance Company in the Private Sector. Since the launch of their operations in the month of October, 2004, the company has been providing wide range of Life insurance products for individuals and groups. Sahara Life Term plan is a low cost effective plan to secure family.

FAQ’s on Sahara Term Insurance

What if I’m unable to pay premiums on time?

There is a grace period of 30 days. However, it is advisable to pay before due dates to avoid policy termination.

Is there are Grace period in case of premiums not paid on time?

There is a Grace period of 30 days in case of yearly, half-yearly, and quarterly premium mode. For monthly premiums mode grace period is 15 days.

What if the life insured dies during Grace period ?

The policy will be still valid and in force. Thus, the sum assured shall be paid to the nominee. But after the deduction of outstanding premiums till the next policy anniversary.

Is there any policy Surrender Benefit?

No. There is no Surrender Value.

What if I couldn’t pay the premiums and got discontinued?

After the Grace period, if the policy terminates. However, the policy can be revived within a period of 5 years from the due date of first unpaid premium.