Are you confused - Single Premium or Regular Premium Term Plan?. Single premium (SP) would be discounted value of all future premiums assuming a certain interest rate on Regular premium (RP) of Term insurance Plan in India. Mostly life insurance plans, term insurance would provide a grace period to pay the premium. Critical illness, accidental death, waiver of premium, hospital cash benefit etc. may be restricted in single premium option

The insurance premium is not fixed. The insurance premium can go up or remain stable during the billing cycles. In case a customer files an accident claim, there is a high probability of the claimant's premium going up.The insurance claim pays out they will try to cover up their losses. Insurance Premium may seem a waste of money but after an accident knowing that all your expenses will be met gives a sigh of relief and a peace of mind.

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