Term Insurance is a Life Insurance policy that provides coverage for a specified time period. In an unfortunate event of death the nominee of the deceased will be paid the death benefit.
Term insurance is cheaper when compared to permanent life insurance. Unlike most variants of permanent insurance, term insurance has no cash value.
Many policies offer level premiums for the duration of the policy, such as 10, 20, or 30 years. These are often referred to as "level term" policies.
While premiums for these term policies remain same for a set number of years, the premium increases significantly after this time period, thereby increasing the premium cost.
You can choose to get a lump sum amount or a combination of lump – sum and a monthly pay out as per you requirements.
Child Insurance Plans serve two purposes
1) It financially secures your child’s future
2) Finances his/her higher education.
This is an ideal investment for your child's future. At an early age itself, the parent can invest fixed amounts annually which will mature when the child attains a certain age. Plans can be purchased as soon as the Child is born.
- A participating endowment and money-back plan with multiple options.
- 3 Maturity benefit options that will help you match key milestones of your child’s aspirations
- Option to choose waiver of future premiums to ensure that your dreams of your child are fulfilled even when you are around.
- Insurance Coverages throughout the policy term by paying premium for limited period.
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Unit Link Insurance Plan (ULIP) provides risk cover to the policy holder, along with investment options in stocks, bonds or mutual funds. As a single integrated plan, the investment and protection can be managed according to specific needs and preferences.
ULIPs work best when one stays invested for a longer period of time with multiple investment options. The right spread of investments in equity and debt funds over a long period of time can protect the insured from a volatile market. ULIPs are flexible - The policy holder has the option to partially withdraw money from his funds if required. He also gets the option to contribute extra money over and above his premiums by way of Top-Ups.
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Retirement plans are also known as Pension plans that allow an individual to allocate a part of his income to accumulate over a period of time and provide a steady income on retirement. Investing small amounts at regular intervals will enable the policy holder to avail fixed annual pay outs on retirement.
Cancer in India is rising at an alarming rate. Cancer insurance can help offset costs associated with a cancer diagnosis. The coverage varies as some policies pay a lump-sum benefit while others pay for specific expenses.
Cancer insurance will help you and your family better cope financially—and emotionally—if a positive diagnosis of cancer occurs.