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Buying term insurance online in India is generally (up to 5-10% discount) and more convenient than offline methods because it eliminates middleman commissions . Most leading insurers in 2026, such as Axis Max Life , HDFC Life , and ICICI Prudential , offer fully digital application processes that include paperless documentation and instant premium quotes. Step-by-Step Guide to Buying Online Buy Best Term Insurance Plan & Policy Online in India 2026