Life & Health Insurance

To have a savings plan for the future so that you have a constant source of income after retirement.


Life Insurance can be defined as a contract between an insurance policy holder and an insurance company, where the insurer promises to pay a sum of money in exchange for a premium, upon the death of an insured person or after a set period.


To have a savings plan for the future so that you have a constant source of income after retirement. To ensure that you have extra income when your earnings are reduced due to serious illness or accident. To provide for other financial contingencies and life style requirements


Importance of Life Insurance Plan

Term Plan

Term insurance plans offer financial security for the entire family in case of the unfortunate death of the policyholder. Also, you can get optional coverage for critical illnesses or accidental death. You are covered for a long duration, while the premiums are affordable.


Traditional Plan

Traditional Life Insurance, also known as whole life insurance, money back or endowment insurance, provides multiple benefits like risk cover, fixed income returns, safety and tax benefits. These are considered risk-free on account of their fixed returns in case of death or maturity of the term

ULIP Plan :

ULIPs provide the flexibility of premium payment. You have the option to move your money between equity and debt funds. ULIPs allow you to withdraw a part of your money whenever you need it. You can also choose where to invest, depending on your risk appetite.


To ensure that your immediate family has some financial support in the event of your demise. To finance your children’s education and other needs. To have a savings plan for the future so that you have a constant source of income after retirement.

If safeguarding your family’s financial security is your primary goal, you can buy a term insurance plan that offers a high coverage at affordable rates. If you are looking to save for your child’s education or thinking of buying a dream house for yourself, you can consider investing in a unit-linked insurance plan.

Health Insurance :

What is General Insurance. Definition: Insurance contracts that do not come under the ambit of life insurance are called general insurance. The different forms of general insurance are fire, marine, motor, accident and other miscellaneous non-life insurance.

Top of Health Insurance

" A top-up health policy is an additional coverage for people who have an existing individual plan or a mediclaim from the employer. It is for reimbursement of expenditure which arises out of single illness beyond the limit of the existing cover."

A top-up health insurance plan gets activated only after the current health insurance policy amount gets exhausted. The difference between top-up and super top-up plans is — the top-up plan only covers a single claim above the current health insurance policy

Advantages of Top-up plans :

Top up plans are cheaper in comparison to general health insurance policies if the deductible is higher. Buying a top-up plan is a better option than extending a basic health cover at a nominal cost.

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