Who does not want to secure their family’s future? Especially if there are multiple dependants. Term life insurance is one of the most effective ways to protect your loved ones. With rising expenses and bigger financial goals, you can choose a ₹12.5 term insurance to provide your family with strong financial security and peace of mind.
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99.29% Claim settlement ratio*
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A ₹12.5 crore term insurance plan is a pure protection plan that offers life cover worth ₹12.5 crore. Suppose you buy a term life insurance policy with a considerable sum assured of ₹12.5 crore and pass away during the policy term. In that case, your insurer pays ₹12.5 crore to your nominee. This amount can help your loved ones maintain a stable life, pay off loans, cover essential expenses, and achieve financial independence.
A sum assured of ₹12.5 crore is not a small amount. It’s designed for individuals with high income, significant financial responsibilities, or business liabilities. Here are some situations where such a large cover makes sense.
If your income is substantial, financial experts suggest taking a life cover of at least 15-20 times your annual income. That makes a ₹12.5 crore term insurance plan a logical choice.
If you have children, elderly parents, or a spouse who depends on your income, a higher cover ensures your family can continue living comfortably without financial stress.
If you have housing loans, business loans, or personal loans worth several crores, this amount can help your family repay them without stress.
You might want to secure your spouse’s retirement, your children’s education abroad, or your long-term medical needs. A ₹12.5 crore term insurance cover ensures these future goals stay on track.
It may look big on paper now, but think of it as future money. A few years later, due to inflation and rising necessities, even this amount may seem less.
Suppose you spend ₹2.5 lakh per month today on household matters. In 20 years, they may rise to ₹5-6 lakhs. If you have a ₹12.5 crore cover, your family will remain financially stable even in your absence.
A term plan of this size not only protects your family but also lets you leave behind a lasting financial legacy for your loved ones.
The ACKO Life Flexi Term Plan starts at just ₹18/day and adapts as your life evolves. Watch this video to learn everything you need to know about ACKO’s Term Insurance Plan.
Here’s how the ACKO Life Flexi Term Plan stacks up against traditional term insurance plans, highlighting what makes it different.
| Parameters | ACKO Life Flexi Term Plan | Traditional Plans |
| Claim Settlement Ratio | 99.38% | Varies from 96-99% |
| Policy Adjustments | Instant changes via app | Depends on the medium ( offline & online ) |
| Increasing Cover Option | Yes. No restrictions* | Restricted to life big events such as marriage, welcoming a child, etc. |
| Cost Savings | Up to 40% savings* | Costs grow over time 📉 |
| Future Premium Hikes | Age wise premiums remain the same | Age wise Inflation adjusted premium |
| Customisability | Flexible coverage/term | Rigid, limited options |
| Riders | Offers valuable riders to enhance protection | Riders may be provided depending on the plans |
| Length of Claim Form | Easy, digital, and short | Moderately long/Very long/Not available online |
| Option to Exit the Plan | Yes* | Approx. 80% of insurers provide |
| Digital Experience | Fully online, app-based 📱 | Often requires offline processes, paperwork, or branch visits |
| End-to-end Digital Support | Yes | Depends on the insurer |
| Home Pickup of Claims | Yes, ACKO team will personally collect the documents | Roughly 20% of insurers provide |
| Free Will Creation | Yes | No, Generally does not offer integrated will creation services |
A 12.5 crore term insurance plan is ideal for the family's breadwinner, who has significant financial responsibilities. It’s also suitable for business owners, senior professionals, and individuals with high incomes. Choosing this level of coverage offers several long-term benefits, such as:
When deciding on a ₹12.5 crore term insurance, check the following.
A high CSR (above 95%) means the insurer settles most claims.
A key financial indicator that shows an insurance company’s ability to meet its long-term obligations and pay claims.
Choose a policy that offers the right balance between coverage and affordability.
Add riders, such as accident, disability, or critical illness.
Good customer service makes managing your policy easier. ACKO provides online chat and other support options for policyholders, making policy management more convenient.
For young professionals or entrepreneurs seeking a ₹12.5 crore term insurance policy, ACKO’s combination of transparency, flexibility, and digital ease offers unmatched convenience.
₹12.5 crore term insurance is more than a number. It is a promise of security, stability, and strength for your family’s financial future. While the amount may seem substantial, it is a practical choice for individuals with higher incomes, significant responsibilities, or long-term objectives. With digital insurers like ACKO Insurance, getting such extensive coverage has become simpler, faster, and more affordable.
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Reviewed by Vaibhav Kumar Kaushik 
Acko Technology & Services Private Limited
#36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102
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