Get Full Life Cover With Zero Loss Through Premium Return Term Plans
At Credigo Solutions, our Term Plans with Return of Premium (TROP) ensure you never lose a single rupee. Enjoy high-value ₹1 Cr+ life protection during your policy term, and get 100% of your paid premiums refunded if you outlive the policy.
Zero Financial Waste — Every Rupee Returned
Combine pure life insurance protection with complete principal safety. Get 100% tax-free refund of all base premiums upon maturity under Sec 10(10D), while enjoying tax savings on premiums under Sec 80C.
Classic Return of Premium
Delivers comprehensive ₹1 Cr+ term insurance protection with a guaranteed 100% money-back refund of premiums paid at term completion.
- 100% refund of total base premiums at maturity
- High life cover sum assured up to age 75 / 80
- Tax-free maturity refund under Sec 10(10D)
- Annual tax deduction benefits under Sec 80C
TROP + Health Shield
Enhances your return-of-premium term cover with immediate lump-sum payouts for major critical illnesses and permanent disability waivers.
- 100% return of base premiums at policy maturity
- Upfront cash payout on diagnosis of 64+ illnesses
- Waiver of future premiums on accidental total disability
- Extra tax savings under Sec 80D for health riders
Limited Pay TROP
Pay premiums for a short period (5, 7, or 10 years) while remaining protected for up to 30–40 years, with full premium refund at the end.
- Short payment terms: Pay for 5, 7, or 10 years only
- Long-term protection extended up to age 75
- Complete refund of paid premiums at policy maturity
- Frees you from premium payments during retirement
Why Choose Premium Return Term Plans With Credigo?
Providing the perfect blend of risk protection and zero financial loss.
Eliminates the 'no returns' drawback of standard term plans by returning 100% of base premiums paid.
The entire returned premium amount at policy end is 100% exempt from income tax under Sec 10(10D).
We partner with top-rated insurance providers maintaining high claim settlement ratios (98%+).
Option to terminate the policy early at specific milestones and receive pro-rated premium refunds.
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