Life Insurance
Protection and disciplined savings in one plan.
Traditional life insurance plans such as endowment and money-back policies offer life cover along with a maturity amount. They help you save with discipline for goals like a child's education, marriage or retirement.
- Policy term
- 10 to 40 years
- Entry age
- From 30 days to 60 years
- Payouts
- Maturity or money-back
- Tax benefit
- Sec 80C and 10(10D)
Choose the life insurance that fits you
Not sure which one is right? Tell us your situation and we'll recommend the best fit.
Endowment plan
Life cover plus a lump sum maturity benefit at the end of the term.
Money-back plan
Part of the sum assured paid back at regular intervals during the term.
Whole life plan
Cover till age 99 or 100, with savings and bonuses.
Participating plans
Earn bonuses from the insurer's profits over the policy term.
Why people choose our life insurance advice
- Life cover with savings
- Maturity or money-back payouts
- Loan facility against the policy
- Bonuses on participating plans
Know exactly what you're buying
We read the fine print for you and explain inclusions, exclusions and waiting periods in plain words.
- Death benefit to the nominee
- Maturity benefit on survival
- Survival benefits on money-back plans
- Bonuses on participating policies
- People who prefer safe, steady savings
- Parents planning for big future expenses
- Those new to investing
- Conservative savers in higher tax brackets
- Surrender in early years returns much less than premiums paid
- Suicide within the first 12 months
- Non-disclosure of medical history
Life Insurance premium: what decides it?
Two people buying the same life insurance can pay very different premiums. Here is what insurers look at, and how to pay less without cutting the cover you need.
What it depends on
- Age of the person or vehicle being insured
- Sum insured or cover amount chosen
- Health, lifestyle and medical history (for life and health cover)
- Add-ons and riders selected
- Claim history and no-claim bonus (for motor and health)
- City or zone, occupation and policy term
How to pay a lower premium
- Buy early: premiums are lowest when you are young and healthy
- Choose the right cover, not the cheapest or the biggest
- Compare insurers on claim record and exclusions, not just price
- Pick only the add-ons you actually need
- Renew on time to keep your no-claim bonus and waiting-period credit
Documents required for Life Insurance
Choose your applicant type to see the checklist. Keep self-attested copies ready; we'll collect and verify them for you.
Document Proof
8 items- Aadhaar Card
- PAN Card
- Voter Card
- Driving Licence
- Utility Bill (Electricity / Water)
- Passport
- Recent Photograph
- Medical Reports (if asked by insurer)
Income Proof
4 items- Income Tax Return (2 yrs)
- Bank Statement (12 months)
- Current Salary Slip (if salaried)
- Form 16 (if salaried)
Document Proof
9 items- Utility Bill (Electricity / Water / Telephone)
- Bank Statement
- GST Certificate
- Udyam Certificate
- Aadhaar Card
- PAN Card
- Passport
- Recent Photograph
- Medical Reports (if asked by insurer)
Income Proof
3 items- Income Tax Return (2 yrs)
- GSTR (3 yrs)
- Bank Statement (12 months)
The exact list can vary by insurer and your profile. Not sure what applies to you? Our advisor will confirm in one call.
From first call to claim
Scroll through the steps to see what we do at each stage.
Expert tips before you buy
- 1Buy term insurance first, then add savings plans for goals.
- 2Compare the plan's internal rate of return, not just the maturity figure.
- 3Pick a premium you can pay for the full term; early exit is costly.
Life Insurance: common questions
Talk to an expert today
Share a few details and we will call you back. The first consultation is free.
- Call us+91 92122 66375
- WhatsAppChat with an advisor
- Office hoursMon to Sat, 10:00 am to 7:00 pm
Request a call back
We usually respond the same working day.
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