Life Insurance

Your Family's Future
is Non-Negotiable

Term plans, ULIPs, and savings-linked insurance. Protect your income, secure your family, and build a legacy.

Indian family protected with life insurance
Why Life Insurance?

Your Income Protects
Your Family. Who Protects
Your Income?

If you earn ₹8 lakh/year and live 30 more years, your total earnings are ₹2.4 crore. Life insurance protects this future income for your family if you're gone.

  • Replaces your lost income for 10–20 years
  • Clears outstanding loans (home, car, business)
  • Funds children's education and marriage goals
  • Tax deductions under Section 80C and 10(10D)
Indian family financial planning
Life Insurance Types

Choose Your Protection Strategy

Each life insurance type serves a different purpose. We'll help you pick the right one.

Term life insurance India
Most Recommended

Term Life Insurance

Pure protection plan. Maximum coverage at the lowest premium. ₹1 Crore cover for as low as ₹700/month. No investment component — 100% protection.

  • ₹50L to ₹5 Crore sum assured
  • Cover up to age 75–85
  • Critical illness rider available
  • Return of premium option
Get Term Plan Quote
ULIP investment plan India
Protection + Growth

ULIP — Market-Linked Insurance

Combines life insurance with investment in equity/debt funds. Build wealth while staying protected — dual benefit in a single product.

  • Market-linked returns (12–18% potential)
  • Fund switching flexibility
  • Tax-free maturity under 10(10D)
  • Partial withdrawals after 5 years
Explore ULIP Plans
Endowment savings insurance India
Protection + Savings

Endowment / Savings Plan

Guaranteed maturity benefit with life cover. Ideal for conservative investors who want assured returns plus insurance protection.

  • Guaranteed lump sum at maturity
  • Bonus additions year-on-year
  • Loan facility against policy
  • Children's education planning
Explore Endowment
Retirement pension plan India
Retirement Planning

Pension / Annuity Plan

Build a retirement corpus that pays you a guaranteed monthly income for life. Retire with dignity — financially independent at 60.

  • Guaranteed lifelong pension income
  • Return of purchase price to nominee
  • Inflation-linked annuity option
  • Joint annuity covers spouse too
Plan Retirement
Life Stages

Insurance for Every
Life Stage

Just Started Working

Lock in lowest premiums now. ₹1 Crore term cover at ₹600–800/month. Best decision of your 20s.

Got Married

Spouse depends on your income. Protect her lifestyle if something happens to you unexpectedly.

Have Children

Children's education and future depends on you. Make sure their goals don't die with you.

Took a Home Loan

Your loan outstanding should be covered. Don't leave your family with debt if you're not around.

Business Owner

Key-man insurance and business continuation plans protect your company and partners financially.

Planning Retirement

Pension plans and annuities build the corpus you need for 25+ years of financial independence.

FAQs

Life Insurance Questions Answered

How much life insurance do I actually need?+
The standard rule is 10–15x your annual income. So if you earn ₹8 lakhs per year, you need ₹80L–₹1.2 Crore coverage. Also consider your outstanding loans, children's education costs, and spouse's income dependency. We calculate your exact need in our free consultation.
Term insurance vs ULIP — which is better?+
They serve different purposes. Term insurance is pure protection at the lowest cost — ideal for most people. ULIPs are for those who want combined insurance + investment in one product and are willing to accept market risk. For most middle-income families, we recommend Term + separate Mutual Fund SIP as the most cost-efficient approach.
Will my claim be rejected if I didn't disclose my health condition?+
Non-disclosure is the #1 reason claims are rejected. Always disclose your full medical history — even if it increases your premium slightly. We guide you on exactly what to disclose to ensure your claim is never rejected. Honesty is the only protection that works.
Can I buy life insurance online without a medical test?+
Yes — for sum assured up to ₹50L, most insurers allow no-medical-test policies online for healthy applicants below age 45. For larger covers or older applicants, a basic medical test is needed. The process takes 2–3 days and is fully home-based.
Get Personalised Advice