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The mentioned quote is valid for 30 days from the quote generation date or next birthday whichever is earlier. This premium quotation is subject to underwriting decision of the Company. The actual premium or sum assured amount may change upon the assessment of the risk of the life insured. Any such change will be informed to you for your consent.

Some risks are worth taking, Being unprepared for your family’s future is not one of them.

Future Generali Flexi Online Term Plan is an affordable and flexible plan that covers your family's financial future in your absence. Protect your family against the unexpected challenges of tomorrow. Your future is in good hands.

A Term Plan With 3 Benefit Options

Basic life cover

This option will provide lump sum amount equal to the Sum Assured in case of death.

Fixed Income Protection

This option will provide fixed monthly income from date of death till you would have turned 60 years of age or for 10 years whichever is higher.

Increasing Income Protection

This option will provide monthly income from date of death increasing at 10% every year till you would have turned 60 years of age or for 10 years whichever is higher.

Why Term Plan is Necessary?

  • Your family is one of the most important part of your life. All the effort and wealth we build over time is for the family to have a good lifestyle and have a stable future.
  • Term insurance helps you protect this responsibility financially at a nominal cost.
  • It will provide your family, the financial protection they deserve in case of any unfortunate event. It can likewise prove to be handy if you have liabilities like home loan, car loan, have mortgaged your property or any other obligations.

Six Reasons To Purchase Term Insurance Plan

Large Cover at Lower Premium

You can secure your family’s financial future at an affordable cost. E.g. for a Life Cover of ₹1 Crore, a 25-year-old healthy non-smoker male opting Basic Life Cover Option will have to pay only ₹405/month* exclusive of taxes for a 10-year policy term.

Provides Financial Security

Buying a term plan is important if you are the sole bread earner in your family, you might have taken a large loan such as housing loan, car loan or you may have any other obligations. In case of any unfortunate event, term plans help to cover the risk of repaying the loans.

Long Coverage

As per a study conducted by the World Economic Forum, Life expectancy in India has increased by 11 years since 1990^^. A term plan offers benefits of covering yourself or your family members for a long duration. With Future Generali Flexi Online Term Plan you get Life cover up to 75 years of age#

Avail Tax Benefits

When you purchase a term plan, you get Tax Benefits as may be applicable under Section 80C and Section 10(10D)** thus it will help you to save on tax.

Early Mover Advantage

With an increase in age, your premium may also increase. When you buy the term plan at an early age it is more affordable. Hence, it is advisable for the earning members of any family to take term insurance as early as possible.

Flexible Payment Options

When you purchase a term plan, you can pay the premium amount in monthly or yearly mode etc. depending upon options available under product features. This will help to plan your installment premium as per your budget and convenience and secure the financial future of your family.

Why Choose Flexi Online Term Plan?

Life Cover Up To 75 Years of Age#

Discount In Premium Rate In Case You Opt For Higher Sum Assured

Tax Benefit As May Be Applicable Under Section 80C and 10(10D)**

Lower Premium Rates for Women and Non - Smokers

Monthly and Annual Premium Payment Options

***Enhance your coverage with Future Generali Accidental Benefit Rider

Eligibility Criteria


Entry Age (as on last birthday)

18 - 55 years

25 - 55 years

Maturity Age

Minimum: 28 years


45 years
Maximum: Smoker: 65 years Non – Smoker: 75 years


65 years

Policy Term


10 years


10 years (subject to minimum maturity age of 45 years)


Smoker: 65 years minus Entry Age
Non-smoker: 75 years minus Entry Age


65 years minus Entry Age

Basic Life Cover

Minimum Lump Sum Payout : Rs. 50,00,000 Maximum Lump Sum Payout: No Limit
Fixed Income Protection

Entry Age

Minimum Monthly Amount

Maximum Monthly Amount



No Limit





Increasing Income Protection
Entry Age Minimum Monthly Amount Maximum Monthly Amount
25-43 Rs.25,000 No Limit
44-48 Rs.25,000
49-55 Rs.30,000

Premium Payment Term

Equal to the Policy Term for all options

Premium Payment Frequency


Frequently Asked Questions

Future Generali Flexi Online Term Plan is a non-participating pure term insurance plan which provides you a comprehensive cover at an affordable price. It has multiple options that you can choose from as per your need – from a basic term cover, fixed income protection and increasing income protection plan option.
As your age increases, your premium will also increase. It is suggested to buy a term plan as early as possible to save on premium amount. Also, choose a plan which provides you a longer coverage. Future Generali Flexi Online Term Plan provides you Life Cover till 75 years of age#.
An earning individual up to the age of 40 should purchase a term plan with a life cover of approximately 20 times the annual income, a person in his 40s should buy a cover 10-20 times, and an individual in his 50s should opt for a life cover of 5-10 times the annual income. The term insurance plan should continue till retirement age^.
Yes! With Future Generali Flexi Online Term Plan, you will get Tax Benefits as may be applicable under section 80C and 10(10D)**.
Yes. However, smoker rates are higher than the non-smoker rates. A person is considered as a non-smoker if he/she has not consumed or smoked or chewed Cigarette, Beedi, Cigar, Gutkha, Pan or Tobacco in any form in last 3 years.
The maximum entry age to buy Future Generali Flexi Online Term Plan is 55 years.
No, your premium amount will not change during policy tenure. Though the tax component (Goods and Services Tax) may change as per prevailing tax laws and regulation laid by Government of India.
Riders are additional benefits that enhance the coverage of your plan. There are optional riders such as Future Generali Accidental Benefit Rider*** which will help you increase the plan coverage. The rider needs to be purchased separately by paying an additional premium, after which it will be included in the policy.

Customer Testimonials

Why Choose Us?

Future Generali India Life Insurance Company Limited is a joint venture between Future Group, India’s leading retailers; Generali, an Italy-based insurance major; and Industrial Investment Trust Ltd (IITL). The company brings together the unique qualities of the founding companies - local experience and knowledge with global insurance expertise. Future Generali India Life Insurance offers an extensive range of life insurance plan, and a network that ensures we are close to you wherever you go.
  • 100+

    locations with presence in major cities across India~
  • 95.15 %

    individual death claims settled for FY 2018 - 19
  • 13 Lakhs +

    Policies sold since inception~
  • ₹3775.6 Crore~

    Worth of Asset Under Management
  • 7,629

    registered advisors
Figures as on 31 March 2019~
Source^^: Date of Publication:October 16, 2018