As an NRI (Non-Resident Indian), securing the financial future of your loved ones back in India is a vital consideration. Life insurance policies offer a reliable solution to provide financial protection and peace of mind from afar. In this article, we will explore some of the best life insurance policies available in India specifically designed for NRIs.

  1. LIC Jeevan Akshay VI: LIC Jeevan Akshay VI is a popular life insurance policy for NRIs. It is a single premium immediate annuity plan that provides a regular income to the policyholder or their beneficiaries. With a range of annuity options to choose from, including life annuity, joint life annuity, and more, this policy ensures a steady stream of income for your loved ones in India.
  2. HDFC Life Sanchay Plus: HDFC Life Sanchay Plus is a non-participating life insurance plan that offers guaranteed returns and financial protection. As an NRI, you can invest in this policy to secure your family’s financial future. It provides the dual benefit of regular income and life cover, with the option to choose from various payout options and policy terms.
  3. SBI Life Smart Humsafar: SBI Life Smart Humsafar is a joint life insurance policy specifically designed for NRIs. This policy covers both you and your spouse, ensuring financial security for your family. It offers comprehensive coverage, including protection against death, terminal illness, and accidental disability. With flexible premium payment options and attractive benefits, SBI Life Smart Humsafar is an ideal choice for NRIs looking to protect their families in India.
  4. Max Life Guaranteed Income Plan: Max Life Guaranteed Income Plan is a non-linked, non-participating life insurance policy that guarantees regular income for your family in India. As an NRI, you can invest in this plan to secure a steady stream of income for your loved ones. The policy offers flexibility in choosing the payout options, policy term, and premium payment term, ensuring it aligns with your specific requirements.
  5. ICICI Pru LifeTime Classic: ICICI Pru LifeTime Classic is a unit-linked insurance plan (ULIP) that provides both protection and investment benefits. This policy allows NRIs to invest in a variety of funds to build wealth over time while offering life insurance coverage. With flexible premium payment options and the potential for long-term growth, ICICI Pru LifeTime Classic is a popular choice for NRIs seeking a combination of protection and investment opportunities.


As an NRI, choosing the best life insurance policy in India requires careful consideration of your family’s needs and your financial goals. The policies mentioned above, including LIC Jeevan Akshay VI, HDFC Life Sanchay Plus, SBI Life Smart Humsafar, Max Life Guaranteed Income Plan, and ICICI Pru LifeTime Classic, offer comprehensive coverage and attractive benefits for NRIs. Consult with insurance experts or advisors to understand the specific terms, conditions, and eligibility criteria for NRIs. By selecting the right life insurance policy, you can ensure the financial well-being of your loved ones, even when you are far away.

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