Zindagi Protect

Take a step ahead to secure your life



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Why Is This Term Plan the Ideal Partner for Your Future?

  • Your Century Long Companion

    Life cover option up to 100 years of age, providing financial security and peace of mind

  • More Benefits for You and Your Child

    Secure your child's future dreams in your absence with Child's Future Protect Benefit option

  • Enhanced Benefits for Your Better Half

    Option to cover your partner so you both can enjoy life's adventures without worry

  • Get Your Premiums Back

    Receive all premiums^ paid back with Special Exit Benefit for limited pay Life Cover Option during policy term

  • Premium Break Benefit*³

    Skip up to 8 premiums and still enjoy full plan benefits

  • Flexible protection for your changing needs

    Flexible premium payment options with a choice between Life Cover or Return of Premium for comprehensive protection

  • Discount on Premium

    Discount on Premium

    6% Discount on first year Premium if medicals completed within 7 days of purchase (login)

Benefits of Zindagi Protect

100 Years Life Cover

We’re with you for a century! This term plan provides coverage for as long as 100 years of age, ensuring that your loved ones are financially secure for a lifetime, even in your absence.

Child’s Future Protect Benefit

Making your child’s dreams a reality! That is why this optional benefit provides an additional payout to your child in case you are no longer around. This benefit remains active until your child turns 25 years old, during which you may have higher responsibilities

Better Half Benefit

Always be there as a reliable pillar of support! Opt for the Better Half Benefit to make sure your partner is taken care of, when you can’t be around. This optional benefit offers your spouse a life cover in the same plan, at a minimal extra cost and gets triggered on the death of the Life Insured.

Return of Premiums

Making their way back, where they belong! With this benefit, you can opt to get 100% of Total Premiums Paid^ when your policy matures. This helps you prepare for the next chapter in your life with extra padding in your wallet.

Limited Premium Pay Option

The sooner, the better! This plan gives you the option to secure your future in a shorter time frame while staying protected for a longer time. With this option, your premium payments are completed quicker, so you can rest easy and enjoy the fruits of your labour. Premium Paying terms available with this option are 5/7/10/15/20 years. 

Premium Break Benefit*³

Option to select Premium Break benefit, by paying additional premium, which enables you to skip up to 8 premiums depending on the premium payment term, while you enjoy the benefits of your plan. This benefit is only available for Premium Paying Term of 10 years or more.

Tax Benefits³

Maximize your savings! Premiums paid are eligible for tax benefits3 under section 80C, and both the income received, and the maturity benefit is eligible for tax benefits3 under section 10(10D).

100 Years Life Cover
Child’s Future Protect Benefit
Better Half Benefit
Return of Premiums
Limited Premium Pay Option
Premium Break Benefit*³
Tax Benefits³

Enhanced Protection through Riders⁹

  • Accidental Total and Permanent Disability Rider

    This additional option helps you deal with any immediate expenses in case you are unable to do so due to a permanent disability

  • Accidental Death Benefit Rider

    This rider acts as a contingency plan in case of accidents and provides additional financial assistance.

  • Critical Illness Rider

    With this option, you can get a lump sum amount when diagnosed with any one of the 12 listed critical illnesses, including Heart Attack, Cancer, Kidney Failure, Stroke & Organ Transplants.

  • Waiver of Premium Rider

    This rider waives off future premiums in case you are diagnosed with a critical illness or are suffering from a disability because of an accident.

Unlock a lifetime of financial security with these 4 Steps


Select a Plan Option

  • Select a Life Cover option OR Return of Premium option that suits your needs best

Your Plan, Your Rules

  • Choose the Base Sum Assured, Policy Term (PT), Premium Paying Term (PPT) and Premium Paying Frequency

Everything’s Better with More Personalization

  • Select from Better Half Benefit and/or Child’s Future Protect Benefit and/or Premium Break Benefit
  • Additional premium will be payable for each Additional Benefit chosen
  • Choose death benefit payment mode options as ‘Lumpsum’ or ‘Monthly Income’ or ‘Lumpsum plus Monthly Income’

Set Back & Relax

  • Let us verify your details and documents
  • Sit back and relax as your zindagi gets protection

More Products You’d Love to Explore

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Reasons Why You’re Bound To Love Us Back

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We care about you and try our best to provide protection to you and your family

We constantly innovate our offerings to take care of your increased cost of living

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Fire Away Queries

Why should I invest in a term insurance plan?

While every increase in your income leads to an enhanced lifestyle for your family, it is important that the financial support you provide to your family is secured in case of an unfortunate event. A term insurance plan ensures that in a scenario where the bread winner is no more, his/her dependants are provided necessary income required to maintain their lifestyle.

Should I buy a term insurance plan online?

Purchasing term insurance plans online is possible and convenient. You can compare multiple plans and select the one that best suits your needs.

Is it better to have more than one term insurance plan?

By having multiple term insurance plans, you can ensure a secure sum assured from multiple sources. This implies that you can have a guaranteed death benefit reserve for your nominee(s) from two distinct sources. If you hold multiple term insurance plans from various insurance providers, the chances of your claim being considered by at least one provider, even if it gets declined by another, are higher.

How does a personal habit like smoking matter while choosing a term insurance plan?

An insurance plan referred to as term insurance provides life coverage, and insurance companies rely on risk evaluations. Individuals who have a greater likelihood of experiencing a severe illness are subject to higher premium charges by insurers. Policyholders who smoke are required to pay more in premiums than those who do not.

To determine if you are a smoker, your insurer will ask you three questions when you purchase a term plan online:

1. Do you use nicotine and/or tobacco products?

2. Have you used a tobacco product in the past four years?

3. Have you ever used a tobacco product?

Why should I buy a term insurance plan when I already have an insurance plan through my employer?

While employer-provided insurance can be advantageous, the coverage provided may not always be enough to adequately protect your family. Additionally, the insurance coverage ends once you no longer work for that employer. As a result, purchasing an individual insurance plan with a higher sum assured can provide appropriate level of financial security for your family's needs.

What is the difference between life insurance and term insurance?

Term insurance does not offer maturity benefits, whereas a life insurance policy provides these benefits to the policyholder upon the policy's completion. Instead, a term insurance plan pays out the sum assured to the nominee(s) of the policyholder in the event of their death during the plan term.

What are the different plan options available?

There are 2 plan options available under Edelweiss Tokio Life – Zindagi Protect, namely:

-          Life Cover option 

-          Return of Premium option

1.       Life Cover option:

Under this Plan Option, in case of death of the Life Insured during the policy term while the policy is in-force, Death Benefit is payable, and the policy will terminate. In case of survival of the life insured till the end of the policy term, the policy will terminate without any further benefit.


2.       Return of Premium option:
Under this Plan Option, in case of death of the Life Insured during the policy term while the policy is in-force, Death Benefit is payable, and the policy will terminate. In case of survival of the life insured till the end of the policy term, Sum Assured on Maturity* will be payable to the Policyholder and policy will terminate without any further benefit.

Sum Assured on Maturity will be equal to 100% of Total Premiums Paid* less total Additional Premiums paid towards Child’s Future Protect Benefit and Better Half Benefit, if any.


In addition, you also have the option to choose the following Additional Benefits.

1. Child’s Future Protect Benefit - Get an additional sum assured in the same plan, that secures your child’s dreams

2. Better Half Benefit - Get additional cover for your spouse in the same plan, that gives them much needed financial security when you’re not around

3. Premium Break Benefit – Enjoy premium break, while your life cover continues after completion of certain number of fixed policy years. 

What is better half benefit?

Better Half Benefit is an additional benefit that provides cover for the Spouse of the Life insured only after the death of the Life Insured. This benefit gets triggered on the death of the Life Insured.


It can be selected only at the policy inception, if you are married, your Spouse is not elder/younger than you by more than 10 years and provided that the policy is accepted at standard rates at policy issuance. Only one Spouse will be covered under this benefit.


The coverage term for this Additional Benefit will be equal to lower of the Policy Term or (85 less Entry Age of the Spouse) or (85 less Entry Age of the Life Insured). The Additional Premium towards Better Half Benefit will be payable only during the applicable coverage term of the benefit as defined above or till the spouse's attained age of 75 years, whichever is earlier.


In case of death of the Life Insured before the maturity date while the policy is in-force, death benefit is payable. In addition, if your spouse is alive and has not attained age of 75 years, following benefits will be applicable:


● Life cover will commence on the life of your spouse with Better Half Benefit sum assured and will continue for the remaining policy term or till the period your Spouse attains age 85 years (age last birthday) or till the period you would have attained age 85 years (age last birthday), whichever is lower. ‘Better Half Benefit’ Sum Assured is 50% of the Base Sum Assured, subject to maximum of Rs. 1 crore. On death of the Spouse during this period, ‘Better Half Benefit’ Sum Assured is payable. This benefit will be paid as per the Death Benefit Payment mode selected by you.


● No more future premiums will be required to be paid.
Once selected, you cannot opt out of this benefit. As Better Half Benefit is available on the life of the spouse after your death, if the spouse dies before your death, this benefit will not be available. The ‘Better Half Benefit’ Sum Assured will remain same throughout the coverage term for the Better Half Benefit, irrespective of the Plan Option chosen and other Additional Benefits opted in the policy.

What is Child Future Protect Benefit?

Under this Additional Benefit, you have an option to increase your life cover by choosing an Additional Sum Assured (10% to 100% of Base Sum Assured, in multiples of 10%). This option has to be selected only at the inception of the policy and only if you have a child between age 0 year to 18 years (age last birthday). The additional life cover under Child’s Future Protect Benefit will be available only during the Child’s Future Protect Benefit Coverage Term, which is equal to ’25 minus Child’s Age (age last birthday) at the inception of the Policy’.


After the Child’s Future Protect Benefit Coverage Term has expired, cover for Base Sum Assured and other Additional Benefit, if opted will continue for the remaining Policy Term.

What are the Death Benefit payout options available?

Payout options for the Death Benefit need to be decided during the inception of the plan. The payout is available in three modes, as follows:


● Lumpsum - Entire payout available in one go

● Monthly Income - A percentage of Death Benefit will be payable every month for the fixed number of months

● Lumpsum plus Monthly Income - Some portion of the payout is received at once; the rest is dispensed in the form of regular installments.

What is the minimum and maximum sum assured in this plan?

● Min Base Sum assured# (in Rs.) - 50,00,000

● Min Sum Assured for Better Half Benefit (in Rs.) - 25,00,000

● Max Sum Assured for Better Half Benefit (in Rs.) - 1,00,00,000

● Min Sum Assured for Child’s Future Protect Benefit - 10% of base sum assured


For maximum sum assured, there is no upper limit on the base sum assured, as it is subject to Board Approved Underwriting Policy.

What is the minimum and maximum age of the spouse to opt for the Better Half Benefit option?

The minimum age of your spouse should be 18 years, and maximum is 65 years, to avail the Better Half Benefit option.

What is the minimum and maximum policy term?

For 5 Pay, 7 Pay and Regular Pay options, the minimum policy term is 10 years. For 10 Pay, 15 Pay and 20 Pay, it is 15, 20 and 25 respectively. The maximum policy term is 100 years less age at entry, for any plan option selected.

What is the minimum and maximum premium amount and different payment frequencies?

For all plan variants, the minimum Annual premium amount is Rs. 3,000. For the Semi - Annual payment, the minimum premium amount is Rs. 1,250. The minimum Quarterly premium payment is Rs. 1,250 and the same for Monthly premium is Rs. 300. 


Max Premium has no limit and is subjected to board approved underwriting policy

What is the minimum and maximum maturity age?

The minimum maturity age is 23 years for Life Cover option.
In case you have chosen the Return of Premium Option, the minimum maturity age for your plan to mature, will be 28 years. The maximum maturity age for all plan variants is 100 years. All these ages are as per last birthday.

What is the minimum and maximum entry age?

Minimum Age - Similar to any other term insurance plans the minimum age to avail this policy as life insured and spouse is 18 years and for a child it remains 0 years.


Maximum Age - The maximum age at which you can avail it depends on the type of benefits you are opting for. Thus, the maximum age at which you can get this policy is as follows:


For Life Cover Option:
PPT – 5/7/10/15/20** - 65 years

PPT – ‘To Age 60’ - 50 Years

PPT – Regular Pay (RP) - 55 years


For Return of Premium Option:
PPT – 5/7/10/15/20** - 60 years

PPT – ‘To Age 60’ - 50 Years

PPT – RP - 50 years


For Child: 18 Years

For Life Insured if Child’s Future Protect Benefit Opted: 50 Years

Are there any exclusion to this plan?

In case you have opted for Better Half Benefit, the following exclusions are applicable:


● In the event of the occurrence of simultaneous death of the life insured and spouse or death of the spouse arising directly or indirectly due to the same event which caused the death of the life insured.


● Post death of the Life Insured, in case of death of Spouse due to suicide within 12 months from the date of commencement of risk under the policy or from the date of revival of the policy, as applicable, the nominee or beneficiary shall be entitled to at least 80% of the total of ‘Better Half Benefit’ premiums paid till the date of death, provided the policy is in force.


● Better Half Benefit will not be payable if spouse dies before the Life Insured.

What is the free-look period of this policy?

The free look period offered is 15 days from the date of receiving your policy. For policies sold through distance marketing (where distance mode means sale of insurance products through any means of communication other than in person), the free look period remains 30 days.

We are always there for you !


Additional Resources

3  As per provisions of Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.

9  Riders are Optional and available at extra cost.

^ The Special Exit Benefit shall be applicable on the premiums paid towards Life Cover and Premium Break Benefit, if any, and is not applicable on any additional premiums paid towards other Additional Benefit/s opted by the policyholder namely Child’s Future Protect Benefit or Better Half Benefit. This benefit is applicable provided all terms and conditions mentioned in the sales brochure are met. Please refer sales brochure for more details.

*3 For more details please refer product brochure

**  If 20 pay is chosen with Better Half Benefit, then the maximum entry age of the Life Insured and Spouse is 60 years (age last birthday).


Edelweiss Tokio Life - Accidental Total and Permanent Disability Rider is only an Individual, Non-Linked, Non-Participating, Pure Risk Premium, Health Insurance rider. UIN 147B001V03
Edelweiss Tokio Life - Accidental Death Benefit Rider is only the name of an Individual, Non-Linked, Non-Par, Pure Risk Premium, Health Insurance Rider. UIN 147B002V03
Edelweiss Tokio Life - Critical Illness Rider is only the name of the Individual, Non-Linked, Non-Par, Pure Risk Premium, Health Insurance rider. UIN 147B005V03
Edelweiss Tokio Life - Waiver of Premium Rider is only the name of the Individual, Non-Linked, Non-Par, Pure Risk Premium, Health Insurance rider. UIN 147B003V04

Edelweiss Tokio Life - Zindagi Protect is An Individual, Non-Linked, Non-Participating, Pure Risk
Premium/Savings, Life Insurance Plan. Please know the associated risks and the applicable charges from your
Personal Financial Advisor or the Intermediary. Tax benefits are subject to changes in the tax laws. The tax benefits under this Policy may be available as per the prevailing Income Tax laws in India. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. 

Flower & Edelweiss are trademarks of Edelweiss Financial Services Limited; Tokio is Trademark of Tokio Marine Holdings Inc. and used by Edelweiss Tokio Life Insurance Co. Ltd. under license

Edelweiss Tokio Life Insurance Company Limited | IRDAI Regn. No.: 147 | CIN: U66010MH2009PLC197336 | UIN: 147N078V01 |

ARN : WP/3254/Apr/2023