A ₹30 crore term insurance plan is designed for individuals with significant income, assets, or business interests who want to secure their family’s long-term financial future. It offers large-scale protection that can cover major liabilities such as home loans, business loans, or investments. Read on to learn more about how this high-value plan works and who it’s best suited for.
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A ₹30 crore term insurance plan is a pure protection policy that offers a life cover of ₹30 crore. The insurer pays this amount to your nominee if you pass away during the policy term. It’s designed purely for risk protection, which means there’s no maturity or survival benefit if you outlive the policy period.
This high coverage term insurance plan suits business owners, high-income professionals, and individuals with significant assets or liabilities who need strong financial protection for their families and dependents.
A ₹30 crore term plan is a large sum assured policy that works like any other term plan. Here’s how it keeps your family financially protected.
Choose the right coverage (i.e., ₹30 crore term insurance).
Select the duration. This could be 20, 30, or 40 years. Try to match it with the time your major liabilities, like home loans or your children’s education expenses, will continue.
You should pay a fixed premium on a regular basis, such as monthly, quarterly or yearly. The premium for a 30 crore sum assured will be comparatively higher than a 1 crore plan.
The underwriting process includes reviewing your financial background, medical reports, and income details to ensure a suitable coverage amount
If the policyholder passes away during the active tenure, the insurer will pay the full amount to the nominee.
To maximise the benefits of this plan, you can add optional riders such as accidental death, critical illness coverage, and more
Here are the features and benefits of the ₹30 Crore sum assured:
| Features | Benefits |
| Financial protection of ₹30 Crore | Provides string financial security to protect significant assets and settle liabilities in your absence. |
| Level premiums | Fixed premiums throughout the term, offering predictability for long-term financial planning. |
| Tax advantages | Premiums are eligible for deduction under Section 80C of the Income Tax Act |
| Optimal riders | Option to add crucial riders like accidental death coverage and critical illness support coverage to secure against major health risks. |
| Flexible payout options | Choose between a lump sum or structured payouts, ideal for managing large amounts of capital. |
A ₹30 Crore sum assured goes beyond basic needs. Here are some of the main reasons why a ₹30 crore term plan can be a smart choice.
The ACKO Life Flexi Term Plan offers unmatched flexibility and transparency for those seeking high-value term insurance. By choosing ACKO for a ₹30 crore sum assured, you get the combined benefits of comprehensive coverage, customisable features, and a modern, fully digital experience.
| Features | Benefits |
| Flexi features | Adjust the sum assured or policy term according to your needs, catering to high-earning individuals with evolving financial requirements. |
| High claim settlement ratio (CSR) | Ensures that your ₹30 Crore claim is processed quickly and reliably, backed by a proven track record. |
| Digital convenience | The entire ₹30 crore term plan purchase and settlement process is digital, minimising paperwork and complexity. |
A ₹30 crore term insurance policy is a powerful financial planning tool designed to protect large, high-value financial commitments. It’s ideal for business owners, high-income professionals, or anyone managing significant assets and liabilities who wants to ensure long-term stability for their family.
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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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