Life insurance
Life insurance creates a financial safety net for dependants, covering living costs, education needs, and outstanding loans in the event of an untimely demise. It also supports estate planning, legacy goals, and end‑of‑life expenses without straining household savings.
Protect income, repay liabilities, and secure family goals with life insurance plans designed for Indian households, entrepreneurs, and retirees. Goal‑based protection, transparent premiums, and simple onboarding make coverage practical at every life stage.
Types of Life Insurance
Term insurance:
High sum assured at affordable premiums for pure protection and income replacement.
Whole life plans:
Lifetime cover with potential value‑accumulation features for long‑horizon legacy goals.
Endowment and money‑back:
Protection with scheduled benefits or maturity payouts to meet timed expenses.
ULIPs:
Market‑linked investing combined with life cover for long‑term wealth building and protection.
Riders:
Critical illness, accidental death benefit, disability waiver, and premium waiver add targeted risk protection.
Who needs Life Insurance coverage?
Students:
Early‑age cover can protect co‑signed education loans and secure low premiums while health is strong; sum assured can scale alongside future income.
Working professionals:
Income replacement aligns to EMIs, children’s education milestones, and lifestyle costs over defined terms to preserve family stability.
Homemakers:
Household contribution has real replacement cost; coverage helps fund childcare, domestic help, and transition services when needed.
Business owners:
Policies can shield business loans, protect partners via key‑person structures, and support continuity plans for heirs and stakeholders.
Retired individuals:
Benefits can cushion medical and final expenses, support a surviving spouse, and assist legacy planning where assets are illiquid.
How much cover to choose
Premium factors
Premiums depend on age, sum assured, policy term, medical history, occupation, lifestyle indicators, and rider choices. Earlier purchase typically secures lower premiums and broader acceptance.
Claims made simple
- Notify the insurer and submit forms with required documents
- Cooperate with assessment and provide clarifications
- On approval, benefits are paid per policy terms in lump sum or income mode
Benefits of Life Insurance Purchasing through us
- Income protection and EMI shielding for liabilities
- Flexible terms, payout options, and rider customisation
- Potential tax benefits as per prevailing laws and eligibility
- Digital onboarding, e‑KYC, and paperless service requests
Request a coverage blueprint with recommended sum assured, term length, riders, and premium options aligned to all your goals.