Life Insurance

Protection for the people who depend on your income.

Life insurance should first protect the people who depend on your income. Mixing protection and investment often leaves families under-insured. We help you separate the two clearly.

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What it covers

Coverage, explained.

Pure-term cover (highest cover, lowest premium)
Whole-life and traditional endowment plans
Unit-Linked Insurance Plans (ULIPs)
Riders: critical illness, accidental death, waiver of premium
Return-of-premium term plans

What to watch for

Common mistakes we help you avoid.

Buying ULIPs or endowment plans mainly for protection.
Choosing a sum-assured smaller than 10–15× annual income.
Stopping premiums early and losing the benefit of the policy.
Not declaring lifestyle facts such as smoking or medical conditions.
Not nominating, or naming a minor without an appointee.

Claim Guidance

If you need to claim, we can help with the process.

On a death claim, the nominee should inform the insurer as early as possible. Common documents include the original policy, death certificate, claim form, nominee ID proof, and bank details. We help families organise records and respond to insurer questions.

FAQs