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Most companies do not allow you to increase your sum assured in existing term plan. Some companies however, allow increasing the sum assured at specified events in life such as Marriage, childbirth, adoption etc. These companies' also restrict the maximum sum assured that can be increased typically by 50% of base cover. Some plans known as increasing term plans offer an automatic increase in sum assured at each policy anniversary at predefined percentage,such as 10% of sum assured for each.

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NRI's can buy term plans offered by Indian Insurers. These are normally offered if the NRI has local address in India, has complete KYC documents and he is in India on day of the submission of the proposal. There is restriction on minimum premium as medical test are very expensive overseas. It would be easier if, they agree for medical tests in India. It is however, to be noted that all premiums and sum insured are payable in Indian rupees only

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Life insurance has two fundamental types: word life and whole life. Life insurance is an insurance policy in which a person adds for a particular time and is remunerated out to beneficiaries when the person dies.

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