Life Insurance
Life Insurance is a contract by which you can protect yourself against specific losses by paying a premium over a period of time. Since each one of us, during our lives are faced with numerous risks – failing health, financial losses, accidents and even fatalities, our instinct drives us to cover ourselves against those risks.
Though an insurance cover can’t protect you against the emotional losses arising out of these risks, it softens the economic crisis that usually accompanies these losses.
Simply put, life brings with it many surprises, both pleasant and unpleasant.
By taking a Life Insurance Plan one can ensure that he / she is better prepared to face uncertainties in number of ways.
Important:
● Keep the highest possible term
● Keep the maturity age as long as possible
● Talk to 4-5 insurers or visit their websites to get premium rates
● Choose the plan that has the lowest premium at your parameters
● Undergo medical tests, if required
● Keep the nominees informed
Pay premiums every year
Health Insurance
With medical costs spiraling out of control and the increase in shift to lifestyle diseases, healthcare today is at its all-time high in terms of treatment costs. In the event of an unforeseen illness, you may have no option other than to utilize your hard earned savings, built over your lifetime. Finally, what’s more important than your health and what better way to protect it than with the right Health Insurance Plan.
A Health Insurance plan ensures complete peace of mind and makes sure that you use your hard-earned savings for the real reasons – Be it your child’s higher education or his dream wedding, a well deserved family vacation or just about anything you dreamt of all your life.
For those who have a family, we recommend a family floater instead of a standalone policy since the probability of all family members needing hospitalization at one go is remote.
Even if your employer offers group medical insurance, get your own cover. A change of job or retirement could leave you without health insurance. Getting a fresh cover after 45 is anyways difficult.
General Insurance
Motor Insurance:
● Two wheeler vehicle Insurance ● Four wheeler vehicle insurance.
Travel insurance:
● Individual travel policy ● Family travel policy ● Student travel insurance
● Senior citizen health insurance.
Home insurance:
Home insurance protects a house and its contents.
Marine insurance:
Marine insurance covers goods, freight, cargo, and other interests against loss or damage during transit by rail, road, sea and/or air.
Commercial insurance:
Commercial insurance encompasses solutions for all sectors of the industry arising out of business operations.
Accident insurance: Accidents of different types are possible at any time, at any place and in case of any person or object. Persons and vehicles are more prone to accidents causing injuries and damages.
Fire insurance : In order to get the asset, stock or machines insured against fire, a proposal form is to be filled in and submitted to the insurance company. The insurance company examines the proposal with due regards to various factors and the periodical amount of premium is fixed.
Theft insurance
Property insurance
Aviation insurance
Livestock insurance
Crop insurance