Life Insurance
Why choose a Life Insurance policy?
If you are the ONLY earning member of your family, know for a fact that your family will be thrown out on the streets if your life and consequent earning abilities come to an end where you meet with an accident or die prematurely. Where would your family go from here? Not far at all!
To secure a good life for them after you are no more, you ought to invest in a Life Insurance product.
Myths about Life Insurance
- I have saved enough and my investments are also OK. I don’t need a life insurance cover
Can you predict your future? What if all your investments and savings fall short of your dependant’s needs? Where would they then go? It thus makes sense to buy a cover of adequate amount. Turn to our advisors to know the right cover you need. - My income is small and an insurance cover may be very expensive for me.
If you look around (or let us do that for you!), you would find insurance covers for every need and circumstances. You should NEVER be without an insurance cover if you have dependants. You would be putting them in a very dire situation where you meet with any untoward incident. If need be, buy a pure term plan. That way your insurance needs can be met even though it will not fetch you any returns on your premiums. - I buy life insurance for tax benefits
It’s like marrying because your parents want you to! It will never suffice your needs when the time comes because your very objective is wrong. If you are married, have dependants and want them safe and happy, help us help you find the perfect insurance policy which shall help you for all times to come. - I don’t have dependants as of now. So why do I need a cover. When they come about, I shall buy it!
Your thoughts are quite close to someone who plans to buy a motor-insurance policy AFTER meeting with an accident! Will it suffice? Certainly no. Start right here and now. Come to us. We shall do all your calculations and tell you - I shall buy only a money-back insurance policy. Why should I not expect anything on the premium that I pay?
You could be partly correct on your approach. A money-back policy does give you a cover and an assured income later in time. But, the tricky part is, does it cover you adequately? Most money-back policies have higher premiums than plain-vanilla term plans. In some case, the gap can be substantial. Come to us to know how much insurance you need and the break-up between traditional policy and term plans.
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