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Term Insurance

Term Insurance is a Life Insurance policy that provides coverage for a specified time period. In the unfortunate event of death, the nominee of the deceased will be paid the death benefit. In comparison to permanent life insurance, term insurance is cheaper and 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 remain the same for a set number of years, they increase significantly after this time period.

You can choose to get a lump sum amount or a combination of lump sum and a monthly pay out as per your needs.

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Child Plans

Child Insurance Plans are an ideal investment for your child's future. They are useful for:
  • Financially securing your child’s future
  • Providing finance for higher education

You can start early by purchasing plans at the time of birth of your child. Invest fixed amounts annually which will mature when he/she attains a certain age.

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Unit Linked Insurance Plans

Unit Linked Insurance Plans (ULIPs) provide 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. ULIPs are flexible - the policy holder has the option to partially withdraw money from his funds, if required. He can also contribute extra money over and above his premiums by way of Top-Ups.

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Retirement Plans

Retirement Plans, 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.

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Cancer Care Plans

Cancer insurance will help you and your family better cope financially and emotionally in case of a positive cancer diagnosis. With the rising rate of cancer related ailments and costs associated with its diagnosis, a Cancer Care plan is advisable. Coverage may vary as some policies pay a lump sum benefit while others pay for specific expenses.

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