Life Insurance
Financial protection for the people who depend on you.
Life insurance is designed to provide a sum of money to your nominees if something happens to you during the policy term. Choosing the right plan means balancing the amount of cover, the term, premium affordability and the features that matter to your family. We help you understand the options available to you so you can decide with confidence.
Common types of life insurance
Term insurance
Pure protection for a fixed term. Typically the most cover per rupee of premium; usually no payout if you outlive the term (unless a return-of-premium variant is chosen).
Endowment / savings plans
Combine life cover with a savings component that pays out at maturity. Returns and features vary widely by plan.
Unit-linked plans (ULIPs)
Combine life cover with market-linked investment. Value can go up or down; charges and lock-in periods apply.
Whole-life and pension-oriented plans
Longer-horizon plans that may provide cover for life or a retirement income stream, depending on the product.
Things to consider
- How much cover your dependants would need (income replacement, loans, goals).
- Policy term and the age until which you want to be covered.
- Optional riders such as accidental death or critical illness, where offered.
- Honest and complete disclosure of health and lifestyle details in the proposal form.
- The insurer's claim process and documentation requirements.
Who it's for
Earning members of a family, parents with young children, people with home or other loans, and anyone with financial dependants.
How we help
- Understand your requirement and any cover you already have.
- Explain the features, exclusions and costs of options that may suit you.
- Help you understand the proposal form and the documents the insurer may ask for.
- Stay available for renewal reminders and questions about the claim process.
Frequently asked questions
How much life cover do I need?
There is no single correct number. People often look at annual income, outstanding loans, future goals such as children's education, and existing savings. We can walk you through a simple needs estimate during our call.
Is a medical test required?
It depends on the insurer, your age, the sum assured and your health declarations. Some plans need medical tests; others may not. The insurer decides.
Can I change my nominee later?
Most life insurance policies allow nominee changes during the policy term through the insurer's prescribed process.
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Not sure which cover you need?
Talk to us — we'll help you understand your options before you decide.