25 Crore Term Insurance

Thinking of securing your family with a large cover, like a ₹25 crore term insurance? It certainly can provide substantial financial protection for your family and business. ACKO term insurance offers customisable plans that can make such coverage both affordable and accessible. However, you must know what a ₹25 crore term insurance means, whether it is suitable for you and the key factors that you must consider before choosing such a high-value cover.

Thinking of securing your family with a large cover, like a ₹25 crore...

Term Life Insurance that Welcomes Change

1 Crore Term Insurance Starting @ ₹18/day*

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99.29% Claim settlement ratio*

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Save up to ₹54,600* on your taxes

Earn smart tax benefits while you protect.

ARN: L0130 | *T&C Apply

Why You Should Choose a ₹25 Crore Term Insurance Plan

A ₹25 crore term insurance plan is a high-cover protection option ideal for high-net-worth individuals, professionals, entrepreneurs, and business owners with large liabilities or multiple dependents. It helps protect their family’s future and supports long-term financial goals.

If you’re considering this high sum assured term plan, make sure it aligns with your current income, assets, and the financial security your family needs

Core Personal Goals

If you have a high standard of living, own a luxury home, want your children to study in premium schools, or enjoy international travel, a ₹25 crore term insurance plan helps your family maintain that lifestyle and meet future goals if you’re not around.

Substantial Financial Commitments and Debts

If you’re an entrepreneur with large business loans, real estate investments, or personal borrowings, a ₹25 crore cover can help protect your loved ones and preserve financial stability.

To Cope with Inflation

₹25 crores may seem like a large amount today, but inflation slowly reduces its value over time. A high-value cover ensures your family’s financial security remains strong even decades into the future.

Legacy and Wealth Planning

A ₹25 crore term insurance plan provides financial support for your loved ones. This allows you to leave behind a meaningful legacy and ensure long-term wealth for future generations.

Tax Benefits

You can enjoy a tax deduction of up to ₹ 1.5 lakh under section 80C of the Income Tax Act for the term insurance premiums you pay. Even the amount your nominees receive is exempt from tax under Section 10(10D), subject to prevailing tax laws.

Top Reasons to Choose ACKO Life for Your ₹25 Crore Term Insurance Plan

The table below shows how the ACKO Life Flexi Term Plan differs from traditional term insurance plans. It highlights the key differences in flexibility, premium options, and extra features that make ACKO’s plan easier to manage and more adaptable to your needs.

Parameters	ACKO Life Flexi Term Plan	Traditional Plans

Claim Settlement Ratio	99.29%	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

Important Things to Check Before Buying ₹25 Crore Term Insurance

Before purchasing a 25 Crore term insurance plan, you must consider a few factors:

Affordability

A ₹25 crore term insurance plan offers high-value protection, so the premiums are naturally higher than plans with a ₹1 crore or ₹10 crore cover. It’s important to understand the premium costs linked to this larger sum assured and choose what fits your budget and needs.

Adequacy

Calculate actual needs. Use the “Human Life Value” method to strike the right balance. Being underinsured can leave your family financially exposed, while being overinsured may lead to unnecessarily high premiums. Aim for coverage that truly matches your financial goals and responsibilities.

Health Disclosures

Be fully honest in medical forms. Non-disclosure can lead to claim issues.

Riders

Adding useful riders, such as a Critical Illness Rider or an Accidental Death Benefit, can expand coverage beyond the base coverage of ₹25 crore.

ACKO Life Critical Illness Benefit Rider from ACKO Life

The ACKO Life Critical Illness Benefit Rider adds an extra layer of financial protection to your term insurance plan. It covers 21 critical illnesses that can result in significant medical expenses.

List of Covered Critical Illnesses:

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

Conclusion

A 25 crore sum assured is a smart choice for high-net-worth individuals, entrepreneurs, and anyone with major financial responsibilities. ACKO’s term insurance makes obtaining such coverage simple, affordable, and transparent. When life is uncertain and inflation is constant, it becomes necessary to protect your family with a high level of term insurance coverage.

Frequently Asked Questions

Is a 25 crore term insurance plan too high for normal people?

It depends. However, if you have large loans, assets, or dependents, such a plan can ensure complete financial security.

What factors are considered while deciding the premiums for a 25 crore term plan?

Premiums for a ₹25 crore term insurance plan depend on several factors, including your age, health condition, lifestyle habits (like smoking or drinking), occupation, policy term, and coverage amount. Insurers may also consider your income level and medical history before finalising the premium.

If I die within the policy term, will my nominee get the full 25 crore at once?

Yes. Yes, your nominee will receive the full ₹25 crore sum assured as per the payout option you select, depending on the plan’s terms.

How long can I take 25 crore term insurance coverage?

You can choose the policy term based on your age and financial goals. It could be 10, 20, 30 or even 40 years.

Can I lower the 25 crore sum assured later?

Yes, the ACKO Life Flexi Term Plan allows you to increase or decrease your coverage as your financial needs change. However, it’s important to understand the terms and conditions that come with these adjustments before making any changes to your policy.

Written by Neviya Laishram

1.7K Linkedin Followers

Reviewed by Vaibhav Kumar Kaushik

A senior editor with years of expertise, she fine-tunes content that connects, converts, and builds trust. She transforms heavy life insurance concepts into clear, aha-moment reads. Writing is her passion, and thinking ahead is second nature. When not wrangling words, she’s crushing game levels because every challenge is a puzzle waiting to be solved.