Maximum protection for your family at the lowest possible cost.
Our advisors will call you within 24 hours — no pressure, completely free.
Term insurance is the purest, most affordable form of life insurance. It pays a large lump sum — or monthly income — to your loved ones if you are not there to provide for them. At Vinayaka & Co, we help people across Karnataka compare and buy term plans from top-rated insurers so your family never has to compromise on their future.
Get life cover from ₹50 Lakh to ₹5 Crore — protecting your family's lifestyle, loans, and future goals.
A healthy 30-year-old can get ₹1 Crore cover for as little as ₹699/month — pay less, protect more.
Choose a lump sum, monthly income, or a combination — whatever suits your family's financial needs.
Premiums deductible under Section 80C (up to ₹1.5L). Death benefit completely tax-free under Section 10(10D).
Enhance your cover with critical illness, accidental death, waiver-of-premium, or disability income riders.
Remain covered up to age 85 with flexible policy terms starting from 10 years.
Select plans return all premiums paid if you survive the full policy term — zero loss, full peace of mind.
Cover both spouses under one policy at a discounted premium — ideal for dual-income households.
Choose the plan that fits your needs — our advisors will help you decide.
Highest life cover at the lowest cost. Straightforward death benefit — no frills, maximum protection.
Life cover combined with a lump-sum payout on first diagnosis of a critical illness like cancer or heart attack.
All premiums refunded at the end of the policy term if no claim is made. Your money is never lost.
Single policy covering both spouses — on death of either, nominee receives full sum assured.
Getting insured through Vinayaka & Co is simple and hassle-free.
Use our free needs analysis — factor in your income, loans, dependants, and future goals.
We compare plans from Axis Max Life and Tata AIG to find you the best cover at the lowest premium.
Some plans are issued without medical tests. For higher covers, a simple health check-up is arranged.
Policy document issued digitally. Nominees registered. Your family is now protected.
We only work with India's most trusted, highest-rated insurers.
Ranked #1 in customer satisfaction with a 99.51% claim settlement ratio, Axis Max Life offers India's most comprehensive term plans with multiple payout options.
A Tata group company known for trust and reliability — offering competitive term plans with high sum assured options and an excellent claim track record.
A common guideline is 10–15 times your annual income. But the right amount also depends on your outstanding loans (home loan, car loan), your family's monthly expenses, children's education costs, and your spouse's income. Our advisors help you calculate the exact cover needed.
The earlier the better. Premiums are lowest when you are young and healthy — a 25-year-old pays nearly 40% less than a 35-year-old for the same cover. Ideally, buy a term plan as soon as you have financial dependants or take on a loan.
Most term plans offer a 30-day grace period within which you can pay the overdue premium without losing coverage. If the premium is not paid within the grace period, the policy lapses. Some plans allow policy revival within 2–5 years by paying all overdue premiums with interest.
Yes — once issued, your premium remains fixed for the entire policy duration. This is one of the biggest advantages of buying term insurance early, as you lock in the low premium for life.
Yes. Most term insurance plans cover deaths occurring anywhere in the world, including accidents and natural causes. However, terms vary by insurer — our advisors will clarify this for your chosen plan.
Speak with our expert advisors today — free guidance, no obligation whatsoever.
