Understanding life insurance
Life insurance is like a financial promise we take very seriously. Our plans ensure that even in your absence, your family's financial needs are taken care of, offering peace of mind to both you and your beneficiaries. Choosing the right plan for you builds a relationship between you, the policyholder and an insurance company of your choosing. In exchange for regular premium payments, the insurance company provides a lump-sum payment (the death benefit) to the designated beneficiaries upon the death of the insured person. This payment is typically tax-free and can be used to provide financial support to the beneficiaries, such as family members, dependents, or other individuals designated by the policyholder. We are committed to building a strong relationship with you that only grows over time.
Why choose life insurance
A safety net in your life’s journey
Secure your family's future with affordable premiums for comprehensive life coverage
Build financial reserves with life insurance plans that accumulate and grow cash value
Tax-deductible premiums and tax-free benefits for your beneficiaries as NRIs
Types of life insurance
Our partners, your choice
Partnering with leading insurers to offer you a diverse choice in life insurance with a commitment of building life-long relationships
Bharti AXA
A joint venture between AXA Group and Bharti Enterprises, offering innovative insurance solutions that combine global expertise with local knowledge.
LIC
India's only public life insurance company, serving for 60 years and known for high claim settlements and a strong national presence.
PNB MetLife Insurance
An affiliate of MetLife Inc which serves 90 million customers globally. It offers a range of insurance and annuity products, known for its wide reach and varied options.
Got questions? We’ve got answers.
Opting for life insurance is a strategic decision, offering a safety net for your loved ones. It's crucial if you have dependents or significant financial commitments, ensuring they're financially secure for expenses like debts and living costs in unforeseen circumstances.
To claim life insurance after a policyholder's death, obtain the death certificate, find the policy documents, contact us, complete the claim forms, and submit them for processing.
Life insurance policies allow flexibility in naming beneficiaries. There’s no limit to the number of beneficiaries you can appoint, enabling you to designate multiple primary and secondary beneficiaries and specify how to allocate the death benefit among them.
The duration for receiving life insurance funds varies. After submitting a claim with all required documents, beneficiaries typically receive the death benefit within a few weeks to a couple of months, depending on the your insurance plan’s policy and claim processing protocols.
Determining your life cover amount involves assessing your income, family’s financial requirements, existing debts, future financial responsibilities, and any final expenses. Consulting a financial advisor is recommended to tailor a cover amount that aligns with your specific needs and goals.
Life is unpredictable, but life insurance can provide certainty in uncertain times. Choosing the right life insurance policy means ensuring that your loved ones remain financially secure in your absence. We offer a variety of life insurance plans, allowing you to select the best life insurance policy that fits your life stage and financial goals. With these plans, you can rest assured that your family will be taken care of, come what may.
In life insurance, especially in policies with a savings component, the return on investment can be considered akin to interest. Endowment plans offer a guaranteed return, while ULIPs provide market-linked returns. The projected rate of return varies with policy type and tenure. Understanding these returns is crucial for aligning the policy with your long-term financial objectives.
Do choose a life insurance policy that aligns with your financial goals and family's needs. Consider the policy term, sum assured, premium amount, and riders. Be transparent about your lifestyle and health status. Don't overlook the policy terms, especially the exclusions and conditions. Regularly review your life insurance coverage to ensure it keeps pace with life changes like marriage, parenthood, or increased responsibilities.
