We lost our voice selling insurance to the country. Wouldn’t it be great to simply lay back and let someone else do that for us?
Why else do you think we roped in Akshay Kumar? Meet our new brand ambassador in a brand new avatar, Yamraj.
In this latest ad, Akshay donned a pair of horns to play the God of Death in a modern, sophisticated style without losing his famed hilarity.
It begins with a man (Sumit Vyas) dying pitifully on a hospital bed. To his surprise, the first thing he sees after he dies, is a strapping man with a mammoth handlebar moustache and a pair of horns akin to the mythological deity, Yamraj. However, this new age Yamraj has ditched his traditional trappings for tasteful, modern dress suit and only flashed his trendy, neon-lighted nametag when asked who he is.
When our little dead man begs for his life, using his family as a leverage, this Akshay-derived Yamraj has only one thing to say, “Kyu? Term Insurance nahi liya tumne” (Why? Did you not buy term insurance?)
As a piece of gyaan (wisdom) Akshay further states, “Policybazaar offers term insurance of Rs. 1 crore at mere Rs. 680/month.”
Watch how he speaks to those who don’t secure their family’s future by forgetting to buy a term insurance. And for the poor soul who had left his family nothing but debts, he had one goofy line to say, “Ab chappal pehen ker patal main ghumega….chall.” (Now walk through hell in dirt-rags)
This isn’t the first time that Akshay is playing a god. Remember his Krishna Avatar in OMG?
Take a look below to find the most hilarious Akshay-starrer movies ever!
Welcome (2007)
Hera Pheri (2000)
Heyy Babyy (2007)
Garam Masala (2005)
Mujhse shaadi karogi (2004)
Term insurance is a policy that offers predetermined benefits for a predetermined coverage period. As the most basic form of life insurance, it is affordable as well as economical. However, it has a limited coverage period and only provides death benefit. In simple words, term insurance covers you for a particular time-period and offers a pay-out to your family/nominee in case you die within the aforementioned time-period. The benefit can be paid out as lump-sum, or on monthly, quaterly or yearly basis.
It is also called Pure Life Insurance. This is because it offers only death benefit; no maturity benefit is offered if the policyholder outlives the policy tenure. Also, at the end of the policy tenure, the policyholder can renew a term insurance policy as well.
The premium of a term insurance plan depends on the gender, age, health and lifestyle of the proposer. For example, a smoker’s life is more at risk in comparison to a non-smoker for obvious reason. Consequentially, the premium paid by a smoker is more than the premium of a non-smoker.
Best Term Insurance Plans
| Provider | Plan | Payout | Maximum Cover upto | Addons |
| ICICI prudential | iProtect Smart | 1Cr | 75 Years | Waiver of Premium |
| Early claim on terminal illness | ||||
| Extra Payout on Accidental death | ||||
| Cover against 34 critical illnesses | ||||
| HDFC Life | 3D Plus Life Option | 1Cr | 67 Years | Early claim on terminal Illness |
| Waiver of premium | ||||
| Extra Payout on Accidental death | ||||
| Cover against Accidental disability | ||||
| Cover against 19 critical illnesses | ||||
| Waiver of Premium on critical illness | ||||
| Cancer cover | ||||
| Max life | Online Term Plus | 1Cr | 77 Years | Waiver of Premium |
| Cover against 40 critical illnesses | ||||
| Extra Payout on Accidental death or disability | ||||
| Cancer cover | ||||
| Pay till 60 years | ||||
| Aegon life | iTerm | 1Cr | 100 Years | Early claim on terminal illness |
| Waiver of Premium | ||||
| Extra Payout on Accidental death | ||||
| Cover against Accidental disability | ||||
| Cover against 4 critical illnesses | ||||
| TATA AIA | Tata Sampoorna Raksha | 1Cr | 67 Years | Cover against accidental disability or death |
| Pay for 10 years | ||||
| PNB metlife | Mera Term Plan | 1Cr | 99 Years | Cover against 4 serious illnesses |
| Extra Payout on Accidental death | ||||
| Cover against accidental disability | ||||
| Heart & Cancer cover | ||||
| Kotak life | e-Term Life | 1Cr | 75 Years | Waiver of Premium |
| Cover against 37 critical illness | ||||
| Extra Payout on Accidental death | ||||
| Lower your Cover Amount Option | ||||
| Edelweiss tokio | My Life+ | 1Cr | 80 Years | Waiver of Premium |
| Cover against 35 critical illness | ||||
| Extra Payout on Accidental death | ||||
| Cover against accidental disability | ||||
| Canara HSBC OBC | iSelect | 1Cr | 67 Years | Early claim on terminal illness |
| Extra Payout on Accidental death | ||||
| Future Generali | Flexi Online Term | 1Cr | 75 Years | Cover against 34 critical illness |
| Cover against 9 critical illness | ||||
| Extra Payout on Accidental death | ||||
| DHFL Pramerica | Flexi e-Term | 1Cr | 75 Years | Cover against 35 critical illness |
| Extra Payout on Accidental death | ||||
| Extra Payout on Accidental death & critical illness | ||||
| Aviva Life insurance | iLife Total | 1Cr | 75 Years | Early claim on terminal illness |
| Extra Payout on Accidental death | ||||
| IDBI Federal | iSurance Flexi Term | 1Cr | 80 Years | Critical illness |
| Extra Payout on Accidental death | ||||
| SBI LIFe | eShield | 1Cr | 57 Years | Early claim on terminal illness |
| Additional benefit on accidental disability | ||||
| Extra Payout on Accidental death | ||||
| Bajaj Allianz | eTouch Online Term | 1Cr | 67 Years | Waiver of Premium |
| Cover against 34 critical illness | ||||
| Cover against accidental disability | ||||
| Cover against accidental disability & death | ||||
| Exide Life | Elite Term Insurance Plan | 1Cr | 62 Years | Extended Term |
Term Insurance Riders
To enhance the benefits of a term insurance plan, rider benefits can be added on to the basic policy. To make a short work of it, here they are:
- Critical Illness Rider
On the diagnosis of a critical illness specified in the policy, this rider assures a lump sum payment to the insured.
- Total and Permanent Disability Benefit Rider
In case the insured is rendered partially or totally disabled due to an accident, this rider pays offers the insured a regular income over the period of next few years.
- Accidental Death Benefit Rider
If the policyholder dies due to an accident, this rider offers additional death benefit.
- Waiver of Premium Rider
If the insured is unable to pay the future premiums, this rider comes into force. It helps in waiving off the premium for the entire remaining duration of the policy.