Digit Glow Term Life Insurance

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Buy Term Life Insurance in Delhi in 2025

Delhi, the capital of India, is famous for its diverse cuisine, political significance, vibrant lifestyle, and architecture. However, life in Delhi has its own share of challenges due to rising inflation, poor air quality index (AQI), polluted rivers, congested roads, etc.

In such a scenario, securing your family’s financial future is necessary to ensure that their living expenses are taken care of even in your absence. Term insurance in Delhi is a smart choice, offering a fixed sum assured to your dependents in the event of an unfortunate event.

Keep reading to learn more about the necessity of term insurance in Delhi, techniques to select the ideal coverage, and how living expenses can affect the sum assured!

Why Having Term Insurance is Crucial in Delhi?

Several factors have led to the need for term insurance in Delhi. The table below represents some of the reasons why you must get one:

Reason	Details	How Term Insurance Helps
Healthcare Expenses	Getting medical treatment in Delhi for critical illness or other issues can drain your savings.	You can buy a critical illness add-on with the base plan of your term insurance to cover the medical bills for chronic health issues.
Road Traffic Accidents	The high vehicle population in Delhi results in congested city roads. This increases the risks of accidents on Delhi roads. Around 2,235 road accidents have been reported in Delhi between January to May 2025. [source]	With term insurance, you can get financial coverage in case of an accidental death. You can add an accidental death rider to your base plan, ensuring your loved ones get an additional payout in case of an unfortunate road accident.
Increasing Living Expense	Delhi’s inflation rate is higher than the national average. According to reports, the average living cost of a family of four is ₹1,19,652. Thus, the cost of living in Delhi is increasing day by day. [source]	Term insurance covers the living expenses of the dependents in case the policyholder passes away within the policy tenure.
Life Expectancy	India's average life expectancy is approximately 74 years. However, the rising health issues, pollution, and traffic in Delhi increase the risk of untimely death.[source]	In case the earning member of the family passes away, term insurance provides financial security to the family, ensuring protection from an unexpected financial crisis.

What are the Recommended Sum Assured Coverage Options for a Term Plan in Delhi?

Term insurance coverage needs are higher in Delhi due to its unique urban risks and high financial demands. Thus, residents must check out the following term insurance coverage recommendations to select the right sum assured as per their income slab, lifestyle, and cost of living.

₹1 Crore Term Insurance Plan

Best for: Professionals who have started their career, families that have less debt, and newly married couples
Ideal Income Range: ₹4 - 12 LPA
Why is it Required:
- Helps repay smaller loans for car or home
- Provides coverage against 8 - 10 years of household expenses in the absence of the breadwinner
- Ideal coverage for those who are starting their career

₹2 - 3 Crore Term Insurance Plan

Best for: Families with school-going kids, mid-career professionals, families with dual income
Ideal Income Range: ₹12 - 25 LPA
Why is it Required:
- Provides coverage for your children’s education (both international and local)
- Helps replace 10 years family income and repays one home loan of up to ₹1 Crore
- Offers a complete balance between lifestyle aspirations and practical final safety

₹5 Crore Term Insurance Plan

Best for: Business personnels, huge loan borrowers, high-net-worth individuals
Ideal Income Range: ₹25+ LPA
Why is it Required:
- Security for residents to sustain the rising living expenses of Delhi
- Coverage for huge financial commitments such as large business and home loans, international education, etc.
- Ideal for ambitious families that have long-term financial goals

₹7 - 8 Crore Term Insurance Plan

Best for: CXOs, entrepreneurs, ultra-high-net-worth individuals who have complex financial portfolios
Ideal Income Range: ₹50+ LPA
Why is it Required:
- Secures continuous wealth generation for business or families across generations
- Security for a global lifestyle
- Protection against major liabilities, cross-border financial commitments, or investments

Quick Comparison of Term Insurance Coverage with their Premiums in Delhi

Coverage	Large Stage Fit	What it Secures	Typical Premium
₹1 Crore	Small families, freshers	Family expenses of 8-10 years	Starting from ₹800/month
₹2 - 3 Crore	Mid-career professionals, families with dual income	International and local education + home loan	Starting from ₹1200/month
₹5 Crore	Business personnels, high-net-worth individuals	International education + huge liabilities + lifestyle	Starting from ₹4500/month
₹7 - 8 Crore	Ultra-high-net-worth individuals, CXOs	Huge loans and liabilities + continuity for wealth generation	Starting from ₹8000/month

Digit Glow Term Life Insurance

Suitable for self-employed and young salaried professionals who want smart and early protection.

Choose your sum assured, from ₹25 Lakhs up to ₹1 Crore, to match your financial goals.

Protection starting at just ₹301/month* (for 25 Lakhs) to fit your fixed income.

No physical forms or waiting, just buy your policy online with PAN and Aadhaar.

Digit Glow Term Life Insurance

Digit Glow Plus Term Life Insurance

Suitable for salaried professionals, entrepreneurs, and high-income earners.

Access up to ₹20 crore sum assured to cover your extensive financial goals and liabilities.

Terminal Illness Benefit is included and covered at no additional cost.

Gain long-term protection up to Age 85 that supports post-retirement responsibilities.

Digit Glow Plus Term Life Insurance

Accidental Death Benefit Rider

Why it matters: Delhi’s dense traffic, frequent road construction, and unpredictable driving conditions—especially during winter fog and monsoon waterlogging, significantly increase the risk of road accidents.

What it does: Offers an additional lump sum payout to your nominee if death occurs due to an accident, providing financial security during a sudden loss.

Who should consider it: Daily commuters, two-wheeler riders, cab drivers, and residents navigating high-risk routes like Outer Ring Road, NH-48, or congested areas such as ITO and Karol Bagh.

Accidental Death Benefit Rider

Critical Illness Rider

Why it matters: Delhi’s high pollution levels, fast-paced urban lifestyle, and frequent exposure to environmental stressors—like poor air quality and seasonal smog—contribute to rising cases of lifestyle diseases such as heart ailments, cancer, and strokes.

What it does: Offers a lump sum payout upon diagnosis of covered critical illnesses, helping you manage treatment costs and replace lost income during recovery.

Who should consider it: Professionals in high-stress jobs, individuals with a family history of serious illnesses, and residents frequently exposed to Delhi’s environmental and infrastructural challenges.

Critical Illness Rider

How to Reduce Term Insurance Premiums?

Select a Longer Policy Term

Policies with a longer term come with a reduced annual premium burden. You can avoid a premium hike due to growing age by locking in the current premium rates.

Purchase Early

Purchasing term insurance at a younger age, such as in your 20s or 30s, allows you to lock in affordable premium rates compared to those in your 40s. The premium amount for younger policyholders is low compared to that of older individuals.

Choose Your Riders Wisely

Riders help in extending your insurance coverage, but adding unnecessary riders will increase your premium burden.

You can save on the premium amount by choosing the term life riders that you need.

Compare Policies Online

Check the insurer’s claim settlement ratio, policy inclusions and exclusions and the claim settlement process. You can save on term insurance costs by comparing term policies with the most competitive rates.

Opt for Annual Premium Payment

The annual payment mode helps you save on administrative fees. Avail discounts and offers from your insurance provider and save on your overall premium cost.

Make Staying Healthy Your Top Priority

Healthy individuals can qualify for term insurance at their preferred rates, as they have a lower-risk profile compared to those with any kind of health issues. If you don’t have any health issues, you can avail discounts from the insurance provider on your overall term insurance cost.

Opt for Accurate Disclosure

Do not hide your health information from the insurance provider. Accurate disclosure of health information helps reduce the risk of claim rejection at times of need.

How Digit Life Term Insurance can Cover the Needs of Delhi Residents?

Digit Life Term Insurance offers flexible, affordable protection designed for the busy, high-risk lifestyle of Delhi residents. Here are four ways it addresses their needs:

High Life Cover for Urban Risks

With Digit Glow Plus Term Insurance, you can get sum assured options up to ₹20 lakhs. This helps Delhi families deal with high living costs, loans, and financial responsibilities in the nation's capital.

Wellness and Health Benefits

Some of the unique features of Digit Term insurance include access to wellness services, doctor consultations, and fitness tracking. This helps address Delhi’s increasing rates of pollution-related and lifestyle diseases.

Customisable Premium Payment

Delhiites can choose monthly, quarterly, half-yearly, or annual premium payments—making it easy to match their payment style to irregular cash flows or business income.

Extra Riders for Local Hazards

Optional riders like accidental death and total permanent disability ensure additional payouts in case of frequent Delhi road accidents and urban risks, offering comprehensive support for families.

Why Choose Digit Life for your Term Plan in Delhi?

Transparency Policy Wording - No hidden clauses. No jargon. Just clear terms and real coverage. What you see in your policy is exactly what you get, so there’s no second-guessing when it counts.
Quick Online Processes - From policy purchase to claim filing, everything happens online; no paperwork, no running around. You get a smooth, fast process backed by human support when you need it.
Worldwide Claim Support - Your family can still claim online if something happens to you outside India, without running around with fast claim process and support across time zones. T&C*.
Eligible for NRIs of Indian Origin - NRIs of Indian origin can buy a plan while in India and manage it from anywhere. Premiums can be paid through NRE/NRO accounts, and coverage remains valid globally.

Explore Other Term Plan Coverages offered by Digit Life in Delhi

Choosing the right sum assured is crucial for selecting the best term life insurance plan to protect your family’s financial future. Here are the available options for sum assured amounts that might suit your needs:

25 Lakh

Term Insurance Plan

50 Lakh

Term Insurance Plan

75 Lakh

Term Insurance Plan

Recommended

1 Crore

Term Insurance Plan

3 Crore

Term Insurance Plan

5 Crore

Term Insurance Plan

10 Crore

Term Insurance Plan

15 Crore

Term Insurance Plan

20 Crore

Term Insurance Plan

Disclaimer: The sum assured specified applies to the term insurance plans and is subject to eligibility, terms, and conditions. It is essential that you review the official plan details thoroughly and choose the coverage that best aligns with your needs before proceeding with your purchase.

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List Of Digit Life Insurance Offices In Delhi

Here is the list of offices in Delhi, as of August 18th, 2025:

Current Address	Google Maps Link
B1/ 638A, 2nd Floor, Janakpuri, West Delhi 110058	📍 View on Maps

Living in Delhi comes with high expenses and the risks of a Tier-1 city. This makes term insurance an essential safeguard to protect your family’s financial security if you are no longer around. With inflation steadily rising, a smaller cover—for example, ₹20 lakh—may lose its value and fall short of meeting your family’s needs a decade from now.

Therefore, it's essential to opt for a sum assured that factors in inflation, the decline in purchasing power, and future financial obligations. By selecting adequate coverage today, you can ensure your loved ones remain financially supported and secure, even in your absence.

Beyond basic term plans, Life Insurance options like Endowment Plans and ULIPs also offer a blend of protection and savings.

FAQs about Term Insurance in Delhi

How does Delhi’s high cost of living affect the sum assured I should choose for term insurance?

The rising cost of living in Delhi, driven by inflation, steadily reduces the actual worth of your term plan's sum assured. At the same time, as you advance in life, your responsibilities—such as funding your children's education, their marriage, or major purchases like a house or car—tend to multiply. Since these expenses lie in the future, the death benefit of your term insurance must be chosen with inflation in mind, so that the coverage remains adequate to meet your family's financial needs over time.

Is a term insurance plan of ₹1 crore enough for a family in Delhi?

A ₹1 crore term plan might seem adequate today, but with rising expenses and a growing income, it’s wise to reassess your coverage every few years. Increasing the sum assured when needed will help secure your family’s financial stability in the long run.

How should my home loan in Delhi impact my term insurance cover?

Ideally, your term insurance cover should be at least 10 times your yearly income. If you have a home loan, make sure to factor that in as well. This ensures your family can repay the loan with ease if an unforeseen event occurs.

What will happen if I move out of Delhi after buying my term insurance?

If you have dependents, it's essential to keep your term life insurance active even after relocating from Delhi. A change in city or residence generally doesn’t affect your policy benefits, and your nominee will still receive the claim amount in case of your demise within the policy period.

Can medical inflation in Delhi affect my term insurance requirements?

The steep rise in medical costs across Delhi influences term insurance premiums, as insurers take on greater risk from costly treatments. To balance this, companies revise premium rates upward. That’s why it’s wise to purchase a policy early, locking in lower premiums and ensuring affordable long-term coverage.

What is the ideal duration to review my term insurance coverage?

It's essential to reassess your term insurance every two to three years, or after key milestones such as marriage, the birth of a child, or major income shifts. This helps ensure your policy continues to match your family's evolving financial needs.

Do I need a higher cover if I’m a single earner in Delhi?

If you are the only earning member in your family, opting for a higher sum assured ensures stronger financial protection for your dependents. A common guideline is to choose coverage equal to 10–15 times your annual income.

Will my term insurance premium be higher just because I live in Delhi?

The suitable sum assured often varies depending on where you live, since living costs differ across cities. For instance, a ₹75 lakh term plan might be sufficient for a family in a Tier-3 city, but in a Tier-1 city like Delhi, similar financial security may require ₹3–5 crore of coverage. This is because Delhi not only has higher living expenses but also faces above-average inflation, which increases your financial responsibilities as you age. As a result, the ideal sum assured here is significantly higher, and consequently, term insurance premiums in Delhi also tend to be on the higher side.

Is it possible to increase my sum assured later if my living costs rise?

With a standard term insurance plan, the base sum assured remains fixed, meaning you’ll need to buy an additional policy if your living expenses go up. On the other hand, an increasing term insurance plan automatically raises the coverage amount by a set percentage over time, helping you stay protected against rising costs.

What is the ideal term insurance coverage for a Delhi resident?

Delhi residents are advised to opt for coverage at least 15–20 times their annual income, factoring in high living costs, loans, and dependents’ needs. For most, ₹50 lakh–₹1 crore coverage is common.

What riders are available for term insurance in Delhi?

Delhi residents can add riders such as accidental death, accidental disability, and critical illness to their Digit term plan. These enhance coverage and provide extra payouts for accidents or major illnesses common in urban settings.

Is it necessary to get a medical checkup before buying term insurance in Delhi?

Most insurers, including Digit, require a medical check-up for higher coverage amounts or older applicants in Delhi. This helps assess risk, ensures accurate premiums, and leads to smoother claim settlement.

What are the term insurance exclusions in Delhi?

Common exclusions include death due to suicide within one year, participation in hazardous activities, pre-existing illnesses not disclosed at policy issue, and deaths from criminal acts or intoxication—these apply to Delhi as elsewhere in India.