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Life insurance is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money in exchange for a premium, upon the death of an insured person.

Reasons for taking Life Insurance.

Life coverage

Life Insurance provides life cover to the policyholder, for securing adverse financial consequences or death of the insurer. It may be in the form of critical illness, partial or total disability.

Death benefits

Life Insurance provides secure future to the family of the policyholder, in case of his uncertain death. In case of death, the insurance company pays the full amount (amount + bonus) to the beneficiary.

Loan

if the policyholder is facing an emergency, he can also avail loan against the insurance policy. Loans is granted on the basis of sum assured in policy.

Bonus on investment

most of the insurance policy give bonus amount along with the actual amount at the time of maturity.

Advantages of Life Insurance?

You need the right support behind you and your dream!

Protecting Your Family

By preparing in advance, you’ll have the peace of mind that comes from knowing you’re protecting your family’s financial future. And since Life insurance benefits are generally not taxable at the federal level, your loved ones can use the benefits to help take care of their living expenses in a variety of ways.

Safeguarding Your Business

If you’re a business owner or have business partners, it’s important to secure financially, for the unexpected. As a business owner, to make it possible for your heirs to help pay estate taxes and help sustain the business during a change in management. To help provide funds in order to execute a buy-sell agreement between partners or stockholders.

Types Of Insurance

LIFE INSURANCE

GENERAL INSURANCE

  • It is the most basic type of insurance.
  • It covers you for a specific period.
  • Your family gets a lump-sum amount in the case of your death.
  • If, however, you survive the term, no money will be paid to you or your family.
  • A certain percentage of the sum assured will be paid to you periodically throughout the term as survival benefit.
  • After the expiry of the term, you get the balance amount as maturity proceeds.
  • Your family gets the entire sum assured in case of death during the policy period. This is regardless of the survival benefit payments made.
  • Such products double up as investment tools.
  • A part of your premium goes towards your insurance cover.
  • The remaining amount is invested in Debt and Equity.
  • A lump-sum amount will be paid to your family in the event of your death.
  • This helps build your retirement fund.
  • You can get a regular pension amount after retirement.
  • In the case of your death, your family can claim the sum assured.
  • Motor insurance is for your car or bike what health insurance is for your health.
  • It is a general insurance cover that offers financial protection to your vehicles from loss due to accidents, damage, theft, fire or natural calamities
  • You can also get motor insurance for your commercial vehicles.
  • Home insurance is a cover that pays or compensates you for damage to your home due to natural calamities, man-made disasters or other threats.
  • It covers liabilities due to fire, burglary, theft, flood, earthquakes, and sabotage. It not only offers financial protection to your home, but also takes care of the valuables inside the property.
  • This type of general insurance covers the cost of medical care. It pays for or reimburses the amount you pay towards the treatment of any injury or illness.
  • It usually covers:

    • Hospitalisation
    • The treatment of critical illnesses
    • Medical bills prior to or post hospitalisation
    • Day care procedures like Cataract operations
  • Fire insurance pays or compensates for the damages caused to your property or goods due to fire.
  • It covers the replacement, reconstruction or repair expenses of the insured property as well as the surrounding structures.
Life Insurance
Life insurance is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money in exchange for a premium, upon the death of an insured person.