What is the Term Insurance Age Limit? Everything You Need to Know

At first glance, “term insurance” often seems like something only meant for people carrying big responsibilities. It can sound heavy, complicated, and easy to postpone for “later.” Yet, with a closer understanding, it becomes clear that term insurance is simple and, in fact, one of the smartest financial decisions to make.

One of the first things that can seem confusing is the term insurance age limit. What does that even mean? Turns out, it’s just the age bracket within which you can buy a term plan (entry age), and the maximum age until which your coverage will last (expiry age). Insurers like Kotak Life set these ranges so policies stay practical and affordable.

Why is There Even an Age Limit?

Think about it this way: insurance is basically a safety net. When you’re young, you’re usually healthier and less risky to cover. As you age, health risks increase, and so do premiums. To keep things fair, insurers set a term insurance age limit.

It’s not about restricting you—it’s about:

• Making premiums fair for younger people.
• Ensuring older buyers don’t disturb the balance.
• Keeping the policy meaningful for both sides.

So in a way, the limit actually benefits everyone.

Entry Age: When Can You Buy?

Most insurers, including Kotak Life, let you buy term insurance from 18 years to 65 years. That’s a wide range, but when you buy it, it makes a big difference.

• Early 20s to 30s: This is the ideal stage. Premiums are super low, and you can lock in long-term protection. Someone who buys a plan at 25 has to pay less than what most of us spend on weekend food deliveries.
• 30s to 40s: Still a strong choice. By now, many people are married, have kids, or are paying EMIs. A term plan becomes less of an option and more of a necessity.
• 50s to 60s: Yes, you can still buy, but premiums shoot up. Options are fewer, and you may have to undergo medical tests.

Honestly, buying early feels like a smart move once you see the cost difference.

Expiry Age: How Long Does Coverage Last?

Buying is one part, but how long are you covered? That’s where expiry age comes in. With Kotak Life, coverage can stretch till 70, 75, or even 80 years.

• Till 70: The standard, safe choice.
• Till 75: Great if you want coverage beyond your retirement years.
• Till 80: Maximum peace of mind, though it costs a little more.

It’s flexible—you choose what fits your family’s needs.

Why Starting Young is a Game-Changer

Age makes a huge difference—something many people often overlook.

At 25, you can get crores worth of cover for less than a dinner out. Wait till 50, and that same plan could cost five times as much. Plus, you’ll likely need medical checks, and approvals won’t be as smooth. Buying early also means longer policy terms and fewer restrictions.

Secure Your Family's Future

So here’s the simple truth: the term insurance age limit is about when you can start (18–65 years) and how long the plan lasts (up to 80 years). The limits are there to keep things fair, but the smartest thing you can do is not wait.

Because at the end of the day, term insurance isn’t about numbers—it’s about making sure your family is secure, no matter what. And peace of mind is something worth locking in as early as you can.