Free Tool
Never Miss a Premium Due Date
One missed payment can lapse your policy and wipe out years of accrued bonuses. Enter your due date below — we'll email you 30 days, 7 days, and 1 day before. Every year. Free.
Set your reminder
Your details are only used to send you reminder emails — nothing else.
Reminder set!
We'll remind you before your premium on .
Check your inbox for a confirmation email.
Reminder saved — but we couldn't send the confirmation email. Your reminders are still active; this is usually a server mail configuration issue.
What happens next?
- 30 days before your due date — first reminder
- 7 days before — second reminder
- 1 day before — final reminder
- This repeats automatically each year
Grace Period — 30 Days
If you miss your due date, NIA regulations give you a 30-day grace period to pay without losing your cover or riders. Your policy remains active during this window.
If Your Policy Has Lapsed
Once the grace period passes, your policy lapses. Contact your branch immediately — most insurers allow revival within 2 years, usually requiring a medical declaration and arrear premiums plus interest.
Pay Digitally
Open your digital wallet → Insurance section → search your company name → pay in under 2 minutes.
What Lapsing Costs You
- ✕ Life cover (your family has no payout)
- ✕ Accidental Death Benefit rider
- ✕ Critical Illness rider
- ✕ All accrued bonuses (years of compound growth)
- ✕ Tax deduction benefit under Section 88B