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FAQs

Disclaimer - This article is issued in the general public interest and meant for general information purposes only. The views expressed in this blog are solely those of the writer and do not necessarily reflect the official policy or position of Canara HSBC Life Insurance Company Limited or any affiliated entity. We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the blog or the information, products, services, or related graphics contained in the blog for any purpose. Any reliance you place on such information is therefore strictly at your own risk. You should consult with a qualified professional regarding your specific circumstances before taking any action based on the content provided herein.

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Second paragraph125 words

FAQs

Disclaimer - This article is issued in the general public interest and meant for general information purposes only. The views expressed in this blog are solely those of the writer and do not necessarily reflect the official policy or position of Canara HSBC Life Insurance Company Limited or any affiliated entity. We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the blog or the information, products, services, or related graphics contained in the blog for any purpose. Any reliance you place on such information is therefore strictly at your own risk. You should consult with a qualified professional regarding your specific circumstances before taking any action based on the content provided herein.

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Start Young, Pay Less, Stay Secured

Coverage for spouse Block your premium rate Covers 40 critical illness

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Start Young, Pay Less, Stay Secured

Coverage for spouse Block your premium rate Covers 40 critical illness

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Popular Searches

Term Life Insurance Whole Life Insurance Critical Illness Insurance Accidental Death Benefit Rider Compare Life Insurance Quotes Best Life Insurance Companies In India Factors Affecting Life Insurance Premiums

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Popular Searches

Term Life Insurance Whole Life Insurance Critical Illness Insurance Accidental Death Benefit Rider Compare Life Insurance Quotes Best Life Insurance Companies In India Factors Affecting Life Insurance Premiums

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Popular Searches

Life Insurance Rider Life Insurance Plans Types of Life Insurance Term Life Insurance Tax Benefit What is Insurance? Life Insurance Premium Life Insurance For Children

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Popular Searches

Life Insurance Rider Life Insurance Plans Types of Life Insurance Term Life Insurance Tax Benefit What is Insurance? Life Insurance Premium Life Insurance For Children

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Popular Searches

Life Insurance for Seniors Whole Life Insurance Plans Group Life Insurance Plans Life Insurance Claim Process Tax Benefits of Life Insurance

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Popular Searches

Life Insurance for Seniors Whole Life Insurance Plans Group Life Insurance Plans Life Insurance Claim Process Tax Benefits of Life Insurance

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Family Shield: Enhanced Protection

3 Plan options Life cover till 99 years Steady income benefit Block your premium at inception

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Family Shield: Enhanced Protection

3 Plan options Life cover till 99 years Steady income benefit Block your premium at inception

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Fixed Returns, Zero Risks & Worries

4 Plan options Life cover + Guaranteed benefits Accidental death benefit Premium protection cover

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Fixed Returns, Zero Risks & Worries

4 Plan options Life cover + Guaranteed benefits Accidental death benefit Premium protection cover

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Life Insurance - Top Selling Plans

We bring you a collection of popular Canara HSBC life insurance plans. Forget the dusty brochures and endless offline visits! Dive into the features of our top-selling online insurance plans and buy the one that meets your goals and requirements. You and your wallet will be thankful in the future as we brighten up your financial future with these plans.

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Second paragraph61 words

Life Insurance - Top Selling Plans

We bring you a collection of popular Canara HSBC life insurance plans. Forget the dusty brochures and endless offline visits! Dive into the features of our top-selling online insurance plans and buy the one that meets your goals and requirements. You and your wallet will be thankful in the future as we brighten up your financial future with these plans.

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How to Cancel a Life Insurance Policy?

You can cancel or withdraw the life insurance policy, depending on the kind of plan you have taken. While you can easily terminate a term insurance policy anytime you wish, it is more challenging to cancel a whole life insurance policy.

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Did You Know?

Cancelling the Policy: It might occur that you no longer need life insurance after all the children's expenses you have planned for have been paid off. In this case, you might consider dropping the policy by surrendering it and getting the taxable surrender value if applicable. Cancelling a term life policy is simple, but cancelling a permanent life insurance policy is a bit more complex and time-consuming. If you miss a premium payment, your term life insurance policy will lapse. However, you have options with whole life and permanent life insurance, where you can either entirely drop the policy or utilise additional features to maintain the coverage amount. It is advisable to contact the insurance agent or financial advisor before finalising any decision, as a wrong decision may put the future of your family and children at stake.

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Can Your Life Insurance Policy Be Cancelled?

Non-Payment of the Premium Sum: If the policyholder fails to make the payment for the premium instalment, then the insurance company provides them with a grace period of 30 days. In case the policyholder does not pay the premium even in that grace period, then, the insurance company holds complete rights to cancel your life insurance policy.

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What to Do if You Cannot Pay Premiums?

Leverage theGrace Period: According to the IRDAI (Insurance Regulatory and Development Authority of India), all life insurance policies must incorporate a grace period of 30 days from the due date of payment. For policies with monthly premiums, the waiting period is 15 days. On the other hand, for policies with quarterly premiums, the grace period is 30 days. During this period, the policy will be in force, and the claim will be payable subject to the deduction of the unpaid premium, as per the policy terms.

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How To Cancel a Life Insurance Policy?

Cancelling life insurance? Explore options like lowering coverage or cancelling within the free-look period for a full refund. December 10, 2025 11 minutes read

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9 Things To Do if You Can’t Pay Life Insurance Premiums

Practical steps policyholders can take to manage premium payment challenges while maintaining financial protection. January 8, 2026 12 minutes read