Want to buy life insurance online without an agent? Here’s exactly how to do it step by step.
When Raj, a 30-year-old manager in Pune, lost a friend in an accident, he realized his family had no financial backup. That night, he bought a ₹1 crore term plan — online, in just 20 minutes. No agent. No pressure.
If you’re 25, 35, or 45 — here’s how you can do the same.
🥇 Step 1: Understand the Type of Insurance You Need
The most popular and affordable option is:
👉 Term Life Insurance
- Covers your life for a fixed number of years (10, 20, 30, etc.)
- Pays a large sum to your family if anything happens to you during the term
- Much cheaper than whole life or investment-based policies
✅ Great for salaried professionals, parents, and anyone with financial dependents.
💡 Step 2: Calculate How Much Coverage You Need
A simple rule: ➡️ Get coverage that is 10 to 15 times your yearly income.
Also think about:
- Your family’s monthly expenses
- Home loan or other debts
- Your children’s future education
🛠 Try this calculator: Policybazaar Term Insurance Calculator
📊 Step 3: Compare Plans on Trusted Indian Platforms
You don’t need to visit 10 websites. Use these trusted platforms to compare quotes in minutes:
They show you plans from companies like LIC, HDFC Life, ICICI Prudential, SBI Life, and more.
💡 Ready to compare now? Use Policybazaar or Turtlemint to view quotes instantly.
Many Indians prefer to buy life insurance online without an agent because it saves time and eliminates commission charges.
🔍 Compare Term Life Insurance Plans 2025
| Plan | Old Description | Improved Version |
|---|---|---|
| LIC Tech Term | “Trusted brand, high trust factor” | “Reliable for those seeking long-term security from India’s largest insurer” |
| HDFC Click 2 Protect | “Add-on riders, flexible payout” | “Popular with salaried millennials — add critical illness or income payout options” |
| Max Smart Secure | “Terminal illness & accidental cover” | “Great for professionals under 45 — no medicals + optional accidental rider” |
| ICICI iProtect Smart | “Critical illness + premium return” | “Suited for breadwinners — combines life, critical illness & optional return of premium” |
| Tata AIA Sampoorna | “Return of premium option available” | “Useful for buyers who want premium back after policy term” |
| Bajaj Allianz | “Competitive pricing, digital journey” | “Best for digital-first buyers — app-based support + lower entry premiums” |
📝 Step 4: Apply Online (It’s Really Simple)
You’ll be asked for:
- Basic details (name, age, gender)
- Income and job info
- Lifestyle and medical history
Just be honest — this ensures your policy stays valid.
⚠️ Common Mistake: Many buyers forget to add a nominee. They also fail to disclose habits like smoking. This can lead to claim rejection later. Always double-check your details.
🏥 Step 5: Medical Test (Sometimes Needed)
Many insurers offer no-medical term plans if you’re young and healthy.
If required, the test is quick — usually done at home by a certified nurse.
🧾 Step 6: Pay the Premium and Get Insured
Once your application is approved:
- You’ll get your policy copy by email
- Hard copy is sent by courier (optional)
📩 Pro Tip: Share your policy details with your nominee (spouse or parent).
📌 Also read: Best Health Insurance Plans for Families in India (2025)
🟢 Pros and Cons of Buying Life Insurance Without an Agent
| Pros | Cons |
|---|---|
| No pressure or hidden agenda | Less hand-holding for first-time buyers |
| Fully online | You need to compare and read carefully |
| Often cheaper | No personal advisory if you’re confused |
🏁 Final Words
You don’t need to rely on anyone to secure your family’s future. With just your phone or laptop, you can buy a trusted life insurance policy online in minutes.
It’s easy, safe, and smart.
👉 Ready to start? Visit Policybazaar or Turtlemint to compare plans now.
Now you know exactly how to buy life insurance online without an agent and protect your family’s future.
🙋 Frequently Asked Questions (FAQs)
❓ Is it safe to buy life insurance online in India?
Yes, if you’re using IRDAI-licensed platforms like Policybazaar or InsuranceDekho. Always verify the insurer’s name and look for HTTPS in the browser.
❓ Can I buy a term plan without medicals?
Yes, but only if you meet criteria like:
- Age under 45
- No major health issues
- Lower sum assured (under ₹1 crore typically)
❓ Can I cancel or change my policy?
Yes. You get a 15-day “free-look” period to cancel the policy and get a full refund if you’re not satisfied.
❓ What documents are required?
You’ll typically need:
- PAN card
- Aadhaar card
- Income proof (Form 16/salary slip)
- Recent passport-sized photo
Last Updated on August 7, 2025 by Singh Sumit
Nce writer
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