Go Digit Life Digit Glow Plus Review 2026

Go Digit Life Digit Glow Plus

Go Digit Life's term plan, sold in two shapes: pure term, or a return-of-premium variant that pays a maturity benefit if you outlive the policy. Accelerated terminal illness cover is built in. Go Digit Life is new enough that it has no meaningful claims record yet, which is the single most important thing to understand before buying it.

Read from Go Digit Life Insurance Limited's own policy wording and prospectus. Last checked against those documents on 26 July 2026. The wording you are issued is the contract.

01The detail

Digit Glow Plus in one table

Insurer	Go Digit Life Insurance Limited
Sum insured	Set at purchase, subject to underwriting.
Entry age	18 to 65 years
Cover runs to	Up to 85 years

Claim settlement and complaint figures are IRDAI-published and held centrally by NYVO, not taken from the insurer's marketing.

02Cover

What Digit Glow Plus does, and what it does not

Term insurance is a narrow product, so the useful question is not how this plan scores against a benchmark – it is what it pays for and what it leaves out. Both lists come from Go Digit Life's own documents.

What this plan does

01Two variants pure term, or term with return of premium

02Inbuilt accelerated terminal illness benefit

03Early exit and surrender provisions set out in the policy document

What it does not do

01A published claim settlement ratio the insurer is too new to have one

03Variants

Which variant should you take?

This plan is sold in more than one form, and the choice is made once at purchase. Picking the wrong one is not something you can quietly correct later, so it is worth a minute now.

Term InsuranceMost buyers

Pure cover. Pays on death, nothing on survival.

Term Insurance with Return of Premium

Pays a maturity benefit if you outlive the term. Costs materially more than the pure version for the same cover – you are pre-paying for the refund.

04Exclusions

Digit Glow Plus exclusions: what the plan will not pay for

Every policy carries exclusions, and they are the clauses people read for the first time at claim stage. These are the ones worth knowing before you buy.

Not coveredIndicative, not exhaustive. Your policy wording is the contract.

01Suicide within 12 months of policy commencement or revival the payout is limited to a return of premiums, per the standard clause. Read the policy wording for the exact percentage.

02The terminal illness benefit is accelerated, so it brings the death benefit forward rather than adding to it.

05The honest bit

Where Digit Glow Plus falls short

No plan is right for everyone, and a page that only lists strengths is not much use to you. These are the gaps we would raise on a call before recommending it.

Worth knowing before you buyNone of these are dealbreakers on their own. They are the trade-offs this plan asks you to accept.

01No claim settlement ratio and no complaint history. Go Digit Life has not been writing life business long enough to have either. That is not a mark against them – it means you have nothing to judge them on, which for a product your family claims on decades from now is a real consideration.

02The return-of-premium variant costs substantially more than pure term for identical cover. You are pre-paying the refund and forgoing what that difference would have earned invested.

03The terminal illness benefit accelerates the death benefit rather than adding to it, so a payout leaves nothing further on death.

04The pure term variant pays nothing on survival.

06FAQs

Digit Glow Plus questions, answered

How much cover does Digit Glow Plus offer?

Set at purchase, subject to underwriting.

Who can buy Digit Glow Plus?

Entry to Digit Glow Plus runs from 18 to 65 years. Cover can run to age 85, which is the maximum maturity age on this plan. What you are actually offered still depends on your income, health and any cover you already hold.

What does Digit Glow Plus not cover?

Like every term plan, Digit Glow Plus excludes suicide within 12 months of policy commencement or revival – the payout is limited to a return of premiums, per the standard clause. Read the policy wording for the exact percentage. Other exclusions are listed on this page, and the policy wording you are issued is the contract.

07Source documents