Buy Best 15 Crore Term Insurance Plan

• Income Bracket: Generally speaking, if a person's annual income is above ₹25 lakh should explore this level of coverage. Checking the income bracket will ensure the premiums lie within your budget without affecting you financially.
• Early Career Considerations: Purchasing term insurance early in your career can be advantageous, as premiums are generally lower at this stage.
• Life Milestones: It’s wise to reevaluate your insurance needs after significant life events, such as marriage or the birth of a child
• Policy Tenure: While choosing a policy, consider a tenure that matches your long-term financial goals and age of dependents. This will help you understand how long you will need the cover.
• Rider Benefits: To better secure yourself, consider additional riders, such as critical illness coverage or accidental death benefits. These riders are extremely helpful in times of emergencies. 
• Claim Settlement Ratio: Find the insurer's claim settlement ratio to assess their credibility regarding returning the payouts.
• Policy Terms and Conditions: Familiarise yourself with the exclusions, waiting period and other minute details of the policy so that there are no surprises later on.

ACKO Life Accidental Death Benefit Rider

Accidental Death Benefit Rider is one of the most affordable riders, designed purely to safeguard your family with extra money in case of your demise due to an accident.

ACKO Life Accidental Total Permanent Disability Benefit Rider

Suppose you have a major accident that results in total permanent disability, resulting in being unable to work and take care of yourself. In that case, the Accidental Total Permanent Disability Rider will provide an additional sum to cover your daily expenses. It will also cancel all future premiums of your ACKO Life Flexi Term Plan.

ACKO Life Critical Illness Benefit Rider

This Critical Illness Rider from ACKO provides a large sum of money if you are diagnosed with a serious illness. This rider's second most significant benefit is that it waives all future premium payments due for your ACKO Life Flexi Term Plan. 

This rider covers 21 critical illnesses, including life-threatening common illnesses among women, such as breast, cervical, fallopian, and ovarian cancer.

List of Covered Critical Illnesses:

• Cancer of Specified Severity
• Benign Brain Tumor
• Myocardial Infarction (First Heart Attack Of Specific Severity)
• Blindness
• Open Chest CABG
• Deafness
• Open Heart Replacement Or Repair Of Heart Valves
• End Stage Lung Failure
• Coma Of Specified Severity
• End Stage Liver Failure
• Kidney Failure Requiring Regular Dialysis
• Loss Of Speech
• Stroke Resulting In Permanent Symptoms
• Loss Of Limbs
• Major Organ /Bone Marrow Transplant
• Major Head Trauma
• Permanent Paralysis Of Limbs
• Primary (Idiopathic) Pulmonary Hypertension
• Motor Neuron Disease With Permanent Symptoms
• Third Degree Burns
• Multiple Sclerosis With Persisting Symptoms