Sahara India Life Insurance

  • Life cover till 99 years
  • Flexible premium payment modes
  • 24*7 customer assistance
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Buy Policy in just 2 mins

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About Sahara Life Insurance

Sahara India ventured into the life insurance domain in 2004 and became the first wholly-owned Indian brand to be operating in this sector without any foreign collaboration.

In order to meet the life insurance requirements of every individual, Sahara Life Insurance offers a wide range of Endowment plans, Money-Back plans, Annuity-based plans, Unit-Link plans, and Group Insurance plans. These plans can help meet the financial needs of different age groups and people belonging to different income segments. Apart from the above segment, Sahara India offers add-on plans such as Accident Benefit and Critical Illness Riders.

Key Features of Sahara Life Insurance

We have carefully examined some of the important factors such as annual premium, claim settlement ratio, solvency ratio, and the distribution network of Sahara Life Insurance to make you understand how the company has fared in each of these aspects.

  • Claim Settlement Ratio
    It helps you analyze if the insurer can be relied upon in the event that any misfortune may befall you or your family. According to the annual report for FY 2021-22 published by the IRDAI, the CSR of Sahara Life stands at 97.08%. We have further prepared a chart to demonstrate the CSR of Sahara Life over the years.
  • Solvency Ratio
    The Solvency Ratio indicates if the insurer has the capital means to fulfill its debt obligations and other financial liabilities. It has been mandated by the IRDAI to maintain a solvency ratio of 1.5 or up for every life insurer in the country. As of FY 2021-22, Sahara Life's solvency ratio has been reported to be 8.8.
  • Annual Premium
    Annual premium income indicates the earnings generated by a life insurer from the premiums paid by new and existing policyholders. As of FY 2021-22, the company reported an annual premium of Rs. 61.44 Crores as stated in the IRDAI's annual report.
  • Operating Network
    The company's reach extends to 51 cities across India. Further, over 80+ business service centers have been established by the company all over the nation to facilitate access to its product offerings.
Sahara Life Insurance Key Features

Product Range of Sahara Life Insurance Company

Sahara Life Insurance products are varied and serve the different life insurance needs of people. The list of life insurance policies offered by Sahara Life is indicated in the list below.

  1. Sahara Life Endowment Plans

    Endowment plans are traditional life insurance policies that provide the required financial assistance to your family in case of an eventuality. Below is the list of all available Sahara Life Endowment plans.

    Plan Name Entry Age Max. Maturity Age Sum Assured
    Shrestha Nivesh-Jeevan Bima 9-60 years 70 years Rs. 30,000-Rs. 1 Crore subject to underwriting
    Shubh Nivesh-Jeevan Bima 9-60 years 70 years Rs. 50,000-No-Limit subject to underwriting
    Dhan Sanchay Jeevan Bima 14-50 years 70 years Rs. 50,000-No-Limit subject to underwriting
  2. Sahara Life Money Back Plans

    Money-back plans are financial tools that help you in securing your future along with wealth creation opportunities. Have a look at Sahara life Money-back plans:

    Plan Name Entry Age Max. Maturity Age Sum Assured
    Pay Back Jeevan Bima 16-50 years NA Rs 75,000- Rs 1 Crore
    Dhanviddhi-Jeevan Bima 9-60 years 70 years Rs 50,000- Rs 1 Crore
    Dhanvarsha Jeevan Bima 15-55 years 70 years Rs 75,000 and thereafter in multiples of Rs 5000/-
  3. Sahara Life Unit-Linked Plans

    Unit-linked plans help you achieve your future milestones such as your child marriage, higher education, or your post-retirement life. Have a look:

    Plan Name Entry Age Max. Maturity Age Sum Assured
    Sanchit Jeevan Bima 18-65 years 75 years Sum Assured Up to 45 Years: 125% of single premium
    46 Years & above: 110% of single premium
    Utkarsh Jeevan Bima 12-55 years 70 years Single Premium: Upto 45 Years - 125% of single premium 46 Years & above - 110% of single premium
    Regular Premium: Age at entry Sum Assured (Nearest birthday) Up to 45 Years - 10 times of annualized premium 46 Years & above - 7 times of annualized premium
    Sugam Jeevan Bima 10-55 year 70 years Sum Assured=10 times of Annualized Premium
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Life Insurance Companies

Compare and buy the most suitable Life Insurance Plan from the below-mentioned IRDAI-approved Life Insurance companies.

How To File a Claim at Sahara Life Insurance?

To file a claim at Sahara Life, please call on their toll-free number at 1800-180-9000. Once you get in touch with their customer service agent, (s)he will guide you toward a hassle-free claim settlement. Alternatively, you can visit the nearest branch of Sahara Life Insurance to intimate the company about the claim. If in case you are not happy with the service offered, you could write to them at

Further, you have the option to send a mail to Grievance Redressal Officer, Sahara India Life Insurance Co. Ltd, Sahara India Center, 2, Kapoorthala Complex, Lucknow - 226024 or email at

How To Contact Sahara Life?

Corporate Office: Sahara India Center, 2, Kapoorthala Complex, Lucknow-226024.


Toll-Free No: 1800-180-9000
Telephone: 0522-2337777
Fax: 0522-2332683

Life Insurance Articles

Sahara India Life Insurance: FAQs

1. How can I check my policy status?

Policy status at Sahara Life can be checked by contacting the customer support team at 1800-180-9000. You need to keep your policy details handy for the customer support executive to resolve your queries.

2. Can the premiums be paid in instalments?

Sahara Life allows you to pay your premiums monthly, quarterly, half-yearly and annually.

3. Does the company offer rebates on premiums?

Yes, policyholders can avail of premium discounts of 3% and 1.5% for payments made on a yearly and half-yearly basis, respectively.

4. How can I get myself an advisor at Sahara Life?

  • Visit the official website of Sahara India Life at
  • Click on the 'Send me an Advisor' section.
  • Fill in the requested details and the company will get back to you.

5. How can I check my Sahara Life Insurance Premium online?

You can easily check your Sahara Life Insuance Premium by using the online premium calculator tool offered by Sahara Life Insueance company.

To calculate, you need to provide certain details like the term of your chosen plan, your age and the amount of sum assured. Based on this, the tool will calculate the premium amount which you will be paying towards your insurance cover.

6. How I can pay the premium of the policy offered by Sahara India Life Insurance? What are the payment modes offered by Sahara India Insurance?

Sahara India Life Insurance offers the following premium payment modes:

  • Cheque/Cash at the Nearest Branch
  • ECS
  • Debit Card
  • Credit Card
  • Net Banking

7. What is the policy renewal process offered by Sahara insurance?

To renew the policy, you can visit the nearest branch of Sahara India Life Insurance Company Limited during working hours.

8. What are the documents I need to buy life insurance from Sahara India Life Insurance Company Limited?

You need to submit the following documents to buy the life insurance at Sahara Insurance:

  • Identity proof
  • Age proof
  • Address Proof
  • Income Proof
  • PAN No.

9. I am 22 year old man, and have just started to work. Can I buy any of the Sahar Life Insurance plans?

Yes you can. The minimum age required for applying for a life insurance policy offered by Sahara india life insurance company limited is 18 years.

What Our Customers Have to Say

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May 1, 2023

I seek help from PolicyX when it comes to purchasing any kind of insurance because they provide me with the best quotes and options for insurance

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Priya Sharma


December 14, 2022

PolicyX has a smooth service from booking policy to verification. Employees are very patient and have good knowledge and help you throughout the process. Had great experience dealing with them

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December 9, 2022

I had many confusions regarding the term policies . But Policyx has handled it well, m happy that they are my wayfarer in this journey.

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Prerna Kumari


July 11, 2022

Good company. Presents nice term insurance plans and flexible plans also. My husband has brought one for the family.

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Priya Sangwan


July 11, 2022

IndiaFirst Term Insurance company ensures that your family s needs are looked after. One of the best companies offers a term plan per your needs.

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Priyanshi Deewan


July 6, 2022

I recently received the claim amount of the policy that my husband had brought for us. I am glad that the company understands the needs of its customers and their families. Well done Canara HSB...

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Rishabh Kumar


July 6, 2022

I bought a term plan with Canara HSBC for the protection of my family and have been satisfied with the benefits received. It is simple and easy to buy their plans.

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Samarth Gaur


July 6, 2022

I am very happy with the term plans offered by the Canara HSBC Life Insurance company. The plans offer comprehensive coverage and I am sure will support my family after my demise.