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Life Insurance

Service your Policy
Life Insurance Planning Services

As individuals it is inherent to differ. Each individual's insurance needs and requirements are different from that of the others. Our Insurance Plans are policies that talk to you individually and give you the most suitable options that can fit your requirement. We offer Life Insurance coverage with individual needs . We provide insurance solutions for family.

Human life is subject to risks of death and disability due to natural and accidental causes. When human life is lost or a person is disabled permanently or temporarily, there is a loss of income to the household. The family is put to hardship. Sometimes, survival itself is at stake for the dependants. Risks are unpredictable. Death/disability may occur when one least expects it. An individual can protect himself or herself against such contingencies through life insurance. Life Insurance is insurance for you and your family's peace of mind. Life insurance is a policy that people buy from a life insurance company, which can be the basis of protection and financial stability after one's death. Its function is to help beneficiaries financially after the owner of the policy dies. In our country, which is one of the most populated in the world, the prominence of insurance is not as widely understood, as it ought to be



In addition to serving as a protective cover, life insurance investment acts as a flexible money-saving scheme, which empowers you to accumulate wealth-to buy a new car, get your children married and even retire comfortably. Life insurance also triples up as an ideal tax-saving scheme.

In addition to serving as a protective cover, life insurance investment acts as a flexible money-saving scheme, which empowers you to accumulate wealth-to buy a new car, get your children married and even retire comfortably. Life insurance also triples up as an ideal tax-saving scheme.

Your age and number of dependents

• Your annual income and annual expenses

• Your outstanding liabilities like home loan, car loan, etc.

• Your investments / savings

• Your lifestyle expenses

• Amount you would require in future
Term Insurance for protection

In an increasingly uncertain world, it is your top priority to ensure that your family continues to enjoy financial security and a comfortable lifestyle even in your absence. Term life insurance plans that are a simple and economic way of achieving this objective irrespective of what the future has in store for you Term Insurance is the only tool which can fulfill financial commitments in case of untimely death of the bread earner of the family. Thus having an appropriate life cover is important due following reason

  • People today prefer to take loans to fulfill their needs, instead of waiting to save for the future. Hence, in your absence, your family needs to take care of this loan.

  • Earlier, people could depend on their extended joint family system to take care of their near and dear ones in case of their absence. However now days due to nuclear family concept financial dependability is more on bread earner

  • Insurance policy also helps to cover up one's loans and liabilities. The house one buys for our shelter, we would never want to let it go. Thus an insurance policy can help one to cover the loan liabilities.
Thus it gets important to take an appropriate risk cover and give your family a financially secure future.
  • Our day-to-day life is full of unpredictable risks for example loss of life, loss of income, critical illness, disability etc. Insurance planning means figuring out adequate cover against "insurable risks" and getting the maximum out of the premium you pay. Tax exemption is just another aspect of it. Having the right insurance cover gives you peace of mind as it provides financial support in case of contingencies.

  • Protection plans serve the protection needs of the customer and by doing so, safeguard one's family from the financial implications of unfortunate circumstances than one cannot foresee.

  • One of your most important responsibilities as a parent is to ensure that your child gets the best possible education that can be provided. Our Education insurance plans are designed to provide peace of mind to you, as a parent, that your child's education will be secure.


How much insurance cover required is determined by the concept of Human Life Value (HLV). HLV is the monetary value of all the yet-to-be fulfilled needs of the dependents plus all the outstanding liabilities.Human life value, commonly known as HLV, is an easy to use numeric way of arriving at an answer to the question above. An individual's HLV is typically expressed in terms of multiple of his or her annual income.Some people think that they are adequately insured but in reality this is not the case. but in reality many times depandant family are not able to manage their household expenditure for even 2 years also.As a thumb rule, 100 to 120 times of the monthly household expenditure or, it is suggested that you should have an insurance cover of around 8 to 10 times of your annual income.

We can help you ascertain your appropriate insurance cover. The ideal insurance plan is one that addresses the exact insurance needs of the individual that will depend on the age and life stage of the individual apart from a host of other factors.
Children’s Future Planning

A child is a source of joy for every parent. You work towards ensuring that you have the means to meet the big future expenses of your child, be it for higher education, marriage or any other dreams that you have for your child One of your most important responsibilities as a parent is to ensure that your child gets the best possible education that can be provided. Our Education insurance plans are designed to provide peace of mind to you, as a parent, that your child's education will be secure As a parent, you would not like to compromise your child's bright career, regardless of the rising cost of education. All you need is a saving’s plan that is designed to provide money at key educational milestones and take care of your loved ones future even if you are not around.Child Plans insurance offers you unique features which ensure that this objective is achieved and it helps in strengthening your child’s dreams.

Child plans are designed to help you build a corpus that allows you to meet the major expenses of your child in future. Besides providing you life cover to ensure that your child’s dream is secured, they also offer you the choice of guaranteed returns or the flexibility to manage your fund options to make your money grow as per your needs Child Plans ensures comprehensive financial planning for your child’s education/ developmental needs. In this you pay premium regularly or in a single lumpsum and during the key educational milestones of your child you can withdraw the money partially. It offers financial protection to your child’s future in the unfortunate event of your death.

Child plan are necessary today due to Increasing costs of education : The costs of education is increasing at a rapid pace across all levels. In order to ensure that you can pay for your children’s educations you need to start saving at the earliest, Also Multiple interests of children in todays time you need to ensure that your child is an all-rounder you need to train him in different areas like sports, dancing, singing etc. All these extra-curricular activities cost huge money and hence add to the overall cost of education & you can have Wealth creation for children Apart from protection and savings, wealth child plan also also offer tax benefits as per prevailing tax laws.

Protection : In the unfortunate event of death of the parent (Life Assured) during the term of the Policy, the following benefits are payable:
  • Sum Assured would be paid to the beneficiary.

  • Future premiums would be paid by the Company till the maturity of the Policy

  • Policy benefits would continue for your child's educational and developmental needs, as planned by you

  • If an optional rider has been chosen, an additional fixed amount shall be paid to the child every year till the maturity of the Policy
These features are available with minor variations across almost all educational insurance policies.
Retirement Planning Services

Retirement insurance ensures that you or your family members receive a regular pension amount post a retirement date. You have the flexibility to choose the retirement date and the manner in which you receive the pension.
  • Most of us like to live in the present, so much so that often, we end up ignoring the future. We splurge on present needs and retirement planning to most of us is something esoteric that is best relegated to financial planning magazines. Retirement plans are an assurance that you will continue to earn a satisfying income and enjoy a comfortable lifestyle, even when you are no longer working.

  • During retirement, income stops but the expenses don’t. With inflation increasing the cost of basic essentials, your savings today might not suffice meeting the cost of necessities throughout the retired life. It is therefore important to start saving early and in a planned manner for a comfortable, stress-free retired life. What is also important is to determine your goal for the retirement corpus basis your projected needs during retired life.

  • Longer retirement years : Average life spans are increasing in India and hence, the retirement years are likely to be longer. With the rise in inflation you will need more money to live in comfort.

  • Financial independence post retirement : Earlier, people could depend on their children to take care of them post retirement. However, as a modern individual, would you not like to maintain your financial independence post retirement also?

  • Inflation : Inflation is an important factor. Post retirement, you need a regular income to ensure that your expenses can be met.

  • The earlier you start planning for retirement, the larger will be the corpus for you at the time of your retirement. Neglecting your retirement needs can prove to be costly later in your life.

  • With age, your expense will tend to increase and therefore retirement planning becomes more difficult.

  • Apart from the benefit of a comfortable retirement, also enjoy tax benefits as per prevailing tax laws.
Our retirement plans that help you build a corpus that lasts throughout your retired life. So, whether you wish to retire early and start your own business or lead a leisurely retired life, you can be sure of the funds that make it the best years of your life.