Life Insurance
Protect your family's lifestyle and goals, whatever happens.
- Cover
- Up to ₹5 Cr
- Term Plans From
- ₹500/month*
- Tax Benefit
- Sec 80C & 10(10D)
- Entry Age
- 18 – 65 years
Life insurance replaces your income for your family if you're not around. We help you choose between pure term plans (maximum cover at minimum cost), savings-linked plans and retirement plans — comparing premiums and claim-settlement records across leading insurers, and assisting your nominees at claim time.
Leading life insurers we work with
| Insurer | Claim Settlement (indicative) | Known For |
|---|---|---|
| LIC of India | ~98% | Trust, agency reach |
| HDFC Life | ~99% | Term plans, online service |
| ICICI Prudential | ~97% | Flexible riders |
| Max Life | ~99% | High claim ratio |
Premiums depend on age, health and cover chosen. Claim-settlement figures are indicative public data — verified at quotation.
Features & benefits
- Pure term, return-of-premium, savings and pension plans
- High sum assured at low premiums when you start young
- Riders: critical illness, accidental death, waiver of premium
- Tax deduction under Section 80C; tax-free maturity under 10(10D)
- Free claim-assistance for nominees
- Online policy management
Eligibility
- Age between 18 and 65 years
- Indian resident (NRI options available)
- Medical underwriting as per insurer norms
- Income proof for high sum assured
Documents required
- Age proof — Aadhaar / PAN / passport
- Address proof
- Income proof for cover above insurer thresholds
- Medical reports where applicable
- Photographs
How it works
- 1
Tell us who and what you want covered
- 2
We compare plans on cover, exclusions and claim record
- 3
Choose your plan; we complete the paperwork
- 4
Policy issued — with our claim support for life
Frequently asked questions
How much life cover do I need?
A practical rule: 10–15× your annual income, plus outstanding loans, minus existing investments. A 30-year-old earning ₹10 lakhs a year typically needs ₹1–1.5 crores of term cover.
Term plan or savings plan — which should I buy?
Buy a term plan for protection first — it gives the largest cover per rupee. Savings and ULIP plans mix insurance with investment and suit specific goals; we'll tell you honestly when they don't.
What happens if I miss a premium?
Insurers give a 15–30 day grace period. Beyond that the policy lapses but can usually be revived within 5 years by paying dues; term plan revival may need fresh medicals.
Do you help with claims?
Yes — claim assistance for your nominees is part of our service, from intimation and paperwork to follow-up until settlement. This is exactly when an advisor matters most.