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Life Insurance

Life insurance secure your family with financial needs on event of early death and leaving long. The most common use of life insurance is to provide financial assistance for dependent family members in case of bread earner’s death.

Life insurance Type

  • TERM PLANS : The Best Plans for the Clients providing Big Sum Assured in a Nominal Premium – Pure Protection Plan       covering Death. The Most Important Product for each client.

  • ENDOWMENT PLANS : The Insurance Plans giving you Life Cover + Profits based upon Insurance Co's performance .       These are Participating plans.

  • MONEY BACK PLANS : These Insurance Plans give you Life Cover + a defined percentage of Amount at Regular       Intervals for fulfilling short Term Goals.

  • ULIPS : These Insurance Plans are Market Linked Plans & provide you Life Cover + Premiums are invested in different       types of Funds to choose from and give respectable returns if continued for Long Period.

  • GUARANTEED RETURN PLANS : Non-Participating Plans giving Life Insurance Cover + Guaranteed Maturity Amount       as per the defined Ppt & Policy Term & they are Non-Participating & Non-Linked Plans.

    • Add on Cover/Rider

  • Accidental Death Benefit Rider
  • Accidental Total and Permanent Disability Benefit       Rider (ATPD)
  • Critical illness Rider
  • Waiver of Premium Rider
  • Income Benefit
  • Terminal illness Rider

    • Terminologies of life insurance

  • Riders – Addition benefits if policy holder want to buy with base cover.

  • Bonus – is additional sum which is accrued to the life insurance policy based on company’s profit. This amount paid to policy holder at the time of maturity or an event of death of life assured.

  • Death Benefit - In case of your unfortunate demise within policy term, the person you had nominated while acquiring the policy will receive an amount which could include sum assured, bonuses, premiums paid, or any other amount as per policy terms. This amount is called the death benefit.


  • Guaranteed Benefit -  is a non-participating, non-linked, savings insurance plan that offers guaranteed returns for you and your family. Its promise to pay guaranteed maturity benefit in written.

  • Paid up Value - is the reduced sum assured paid by the insurance company if a policyholder fails to pay premiums after a certain period.

  • Surrender Value - If the policyholder decides to discontinue the plan before the maturity age, the life insurance company pays an amount to the policyholder, this is called Surrender Value. But you must clearly read the terms and conditions whether a plan offers any surrender value or not. And if there is a surrender value, how much it will be. Not all life insurance plans have surrender value.

  • Grace period - is a defined amount of time (30 days) after the premium is due in which a policyholder can make a premium payment without coverage lapsing.

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