Get 15 lac Life Insurance coverage at Rs. 18 /day
Benefits of Term Life Insurance
Protection for Family
Term life insurance protects your family, against any financial uncertainty. It provides for your family needs and requirements, in your absence.
Natural or Accidental Death Coverage
Term life insurance provides monetary coverage to your loved ones in the face of natural or accidental death.
Disability Benefits
Term life insurance covers you against any accidental disability caused by any unforeseen situation.
Affordable Premium
Term life insurance can b be acquired from as low as Rs. 2100 per/year and provides coverage upto 15Lakh.
Tax Benefits
You can avail tax benefit from the government on your Term Life Insurance plan when you file your tax returns.
14 Days Money Back
14 days free look period, in case you don't want to continue with the procured policy.
Top-rated insurance marketplace
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4.7
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Yousaf Abaseen
Prompt service and good customer support. Highly recommended. I purchased my travel insurance for my one month trip to the US and Canada from them.
Umair Mushtaq
Its my second time using their services for my international travel. This time I bought 5 travel insurances for myself and my friends and these efficient guys did the work in just few days.
Totally recommended
Hurria Saleem Akhtar
Smart Choice is an excellent portal to search for and compare different sort of insurances. I looked up for a travel insurance for Turkey and got what I wanted. Very cooperative company. Definitely coming back to them for my upcoming visit to Egypt.
Talha Khan
Sitting home n just got done my travel insurance in just an hour or so. Good job n tks again.
Ummat Ul Ain
Got the policy issued and delivered within few hours.
The team is very friendly and cooperative.
Highly recommended and appreciated.
Cheers!
Sohaib Ahmed
I got a 50% discount on my yearly health plan. The online transaction was done smoothly. Their customer service is great, with qualified and polite staff. Overall it was a great experience and I would be happy to do business with them in the future as well.
Akif Syed
Until now I was relying upon travel agents to get me travel insurance; on Friday I asked my agent to get me quotes. As he did not respond and my son had to leave early, I searched on the net and reached Smartchoice.pk. It was so simple that in future I will only go to Smartchoice.pk. In fact, there is the provision of a refund in case of visa refusal which is a great service. Before we used to be dependant upon agents for this also.
Yousaf Abaseen
Prompt service and good customer support. Highly recommended. I purchased my travel insurance for my one month trip to the US and Canada from them.
Umair Mushtaq
Its my second time using their services for my international travel. This time I bought 5 travel insurances for myself and my friends and these efficient guys did the work in just few days.
Totally recommended
Hurria Saleem Akhtar
Smart Choice is an excellent portal to search for and compare different sort of insurances. I looked up for a travel insurance for Turkey and got what I wanted. Very cooperative company. Definitely coming back to them for my upcoming visit to Egypt.
Talha Khan
Sitting home n just got done my travel insurance in just an hour or so. Good job n tks again.
Ummat Ul Ain
Got the policy issued and delivered within few hours.
The team is very friendly and cooperative.
Highly recommended and appreciated.
Cheers!
Sohaib Ahmed
I got a 50% discount on my yearly health plan. The online transaction was done smoothly. Their customer service is great, with qualified and polite staff. Overall it was a great experience and I would be happy to do business with them in the future as well.
Akif Syed
Until now I was relying upon travel agents to get me travel insurance; on Friday I asked my agent to get me quotes. As he did not respond and my son had to leave early, I searched on the net and reached Smartchoice.pk. It was so simple that in future I will only go to Smartchoice.pk. In fact, there is the provision of a refund in case of visa refusal which is a great service. Before we used to be dependant upon agents for this also.
Yousaf Abaseen
Prompt service and good customer support. Highly recommended. I purchased my travel insurance for my one month trip to the US and Canada from them.
Term Life Guide
What is Term Life Insurance?
Term life insurance can be bought for a period of one year. It has a low premium and a very high coverage. Simply a life insurance that fits your budget. This insurance provides you financial coverage incase of natural or accidental death of the policyholder, the family shall be provided with the coverage amount depending on the plan procured. Term life is time specific and after every 12months (1 year) you need to buy the policy again. The policy covers individuals 18-61 and enrollment age is from 18-60. The policy has a 14 day free-look period, during which you can cancel the policy if not satisfied.
What is the benefit of Term Life insurance?
The main benefit of the policy is that, if someone dies in an accidental death or natural death suddenly, this policy provides financial cushion to the family to immediately cope up with the financial loss the family may face due to loss of an individual. The lump sum money provided can be used for funeral expenses, to pay off debts, to finance education etc.etc. Another benefit is after one year if you decide that you don't want to continue with the policy you can choose to not to buy the policy again for the upcoming year.
What is not included in Term Life Insurance ?
The term life insurance does not cover any death has been the result of suicide or self-inlficted injury, any death due to any kind of pre-existing condition for instance if a person already have a heart condition and they die due to heart attack, that shall not be covered under term life insurnace and lastly if a person dies during the waiting period, ( 30 days from the purchase of the policy) that shall also not be covered under the ambit of Term life Insurance.
What is the difference between Term Life Insurance and Whole Life Insurance?
Term life insurance is for a specific time period that is 12 months, if the policy is not claimed within the time period, it expires and to continue with the coverage you need to procure new policy after every 1 year from the date of policy purchased. It can be bought by an individual above the age of 18 till 60 each year by paying a very low premium against a very high coverage. Whole Life Insurance is provided by multiple companies, it is a long term commitment and has a policy maturity period around 20 years,, the covered amount can only be claimed once the policy has matured or you die, in that case the monetary benefit is provided to the person nominated.