Robinhood Insurance Broker Private Limited

Kids annual education expenses      

Maximum possible cover
including existing cover
Most appropriate cover amount
for you
OneInsure Benefits

Buying a term insurance plan is just not enough and we understand that. With OneInsure, experience the new way of purchasing, managing and getting service-support on all types of term insurance policies

Claim Assistance

Right from keeping your policies claim ready till claim settlement, we got everything covered!

Service & Support

Round the clock assistance from our team of subject matter experts on all types of term policies for a lifetime.

Competitive Rates

Compare term insurance plans and get the right policy at the most competitive rates.

OneInsure App

Experience the ease of managing your policies from anywhere and anytime.

Features to Look For

Term insurance plans are differentiated based on their features! Understand what best suits your need and choose wisely.

Monthly Income

This feature enables your nominee to receive the sum assured amount in the form of monthly income and avoid the hassles of managing large sums.


Based on your needs, you can select some important riders like Accidental Death, Critical Illness, Waiver of Premium, Disability Income, and Accelerated Death Benefit.

Longer Renewable Plans

It is recommended to buy a term insurance policy with longer renewable term like 75-80 years, so that you can also use this for legacy planning.

Premium Determiners

To determine the premium amount for any term insurance policy, the insurers take the following aspects into account.

Current Age

The younger you are, the lower will be your premium and vice versa.

Coverage Amount & Term

The higher coverage amount you choose, the higher will be your premium.

Tobacco Abuse

Consumption of tobacco products like cigarettes will increase your premium by up to 20%.

Riders / Add-ons

Each rider/add-on has its separate charges. With every rider you opt, your premium goes up.


Know what you are buying! Before you make your mind about your policy, it is recommended to go through our FAQs to understand the different aspects of a term insurance policy.

What is Term Insurance?
Term insurance is the simplest and the most cost effective form of life insurance that provides financial protection to the family of the life insured in the event of his/her untimely death.

A pre-determined amount is provided to the family to take care of their financial obligations, such as:

  • Outstanding loans, if any
  • Children’s education
  • Manage day-to-day expenses
This way, the family of the life insured remains financially protected even after his/her death. However, it is important to note that no benefit shall be paid if the life insured outlives the policy period.
What is the ideal policy term I should select?
While your policy term can be selected based on the nature of your work and your liabilities, it is recommended that you select a policy term that lasts until the age of 65 – 75 years.

Your current age is an important factor when it comes to selecting your policy term. If you’re opting for term insurance in your 20s, then choose a policy term of 40 years as financial responsibilities are bound to increase from this age onwards. Contrarily, if you’re opting for term insurance in your 50s, go for a policy term of 10-15 years as financial responsibilities reduce from this age onwards.
What are the exclusions under a Term Insurance policy?
If death results from unnatural circumstances, investigations will be carried out and the claim will be rejected if the cause of death is ruled to be one of the exclusions under the policy. Some of the most common exclusions under term insurance are:
  • Suicide within the first year of the policy term
  • Drunk driving
  • Consumption of drugs
  • Engagement in criminal activities
Besides, death resulting from a pre-existing illness of which the insurer was not notified while issuing to the policy will not be covered.
What documents do I need while buying a Term Insurance plan?
You need the following documents while buying a term insurance plan:
  • Age proof – PAN card, Voter ID card, Driving License, School/College Leaving Certificate
  • Address proof – Utility bill, Passport, Ration Card, Electricity Bill
  • Identity proof– Driving Licence, Voter ID card, PAN card
  • Income proof – Salary slips of last 3 months, income tax returns of last 3 years, bank statement with last 3 months’ salary entries, Form 16
  • Medical reports – If the insurance company has requested any
When you’re buying term insurance online, you can upload the attested copies of these documents.
Which is the best Term Insurance plan in India?
Since investing in a term plan is a long-term activity, it is suggested that you must not select any random plan. No two products in the market are alike. Each of them will have different features, benefits, and costs. Also, the term plan chosen by your friend will not necessarily meet your requirements. So, do not make any hasty decisions. Consult an expert.

You can also consult OneInsure’s resident experts, who have an accurate and sharp understanding of the insurance market. Call us at 86-559-86-559 or write to us at and we will be glad to assist you.