Secure Your Family's Future with Smart Life Insurance
Protect your loved ones with flexible plans, tax benefits, and long-term financial security — because their tomorrow starts with your choice today.
- Long-term Financial Protection
- Flexible Coverage Options
- Tax Benefits under Section 80C
- Instant Policy Issuance
Choose the Right Plan
Flexible life insurance plans designed for every stage of life.
Term Life Insurance
Pure protection at the lowest premium
- High sum assured at low cost
- Cover from ₹25 lakh to ₹10 crore
- Death benefit to nominee
- Optional critical illness rider
Whole Life Insurance
Lifelong coverage with savings benefit
- Coverage till age 99 or 100
- Bonus accrual over years
- Loan facility against policy
- Guaranteed maturity payout
ULIP Plan
Insurance + market-linked investment
- Dual benefit: protection + growth
- Choice of fund allocation
- Partial withdrawal after 5 years
- Market-linked returns potential
Optional Riders & Add-Ons
Boost your life cover with powerful riders for complete protection.
Critical Illness
Lump sum payout on diagnosis of 36+ critical illnesses
Accidental Death
Additional sum assured in case of accidental death
Premium Waiver
Future premiums waived on disability or critical illness diagnosis
Family Income Benefit
Monthly income to family after policyholder's death
Child Education Benefit
Ensures children's education continue uninterrupted
Permanent Disability
Income replacement in case of permanent total disability
Surgical Care
Covers surgical procedure costs and hospitalization
Return of Premium
All premiums returned at maturity if no claim is made
Tax Benefits with Life Insurance
Life insurance isn't just protection — it's one of the smartest tax-saving tools available.
Section 80C Deduction
Premium paid up to ₹1.5 lakh per year is fully deductible under Section 80C of the Income Tax Act.
Section 10(10D) Exemption
Death benefit and maturity proceeds received are completely tax-free under Section 10(10D).
ULIP Tax Benefits
ULIP investments also qualify for 80C deduction, and long-term gains above ₹1.25 lakh are tax-free.
Coverage Details
Know exactly what your life insurance covers and what it doesn't.
What's Covered
- Natural death of the policyholder
- Accidental death (with rider)
- Terminal illness diagnosis benefit
- Critical illness (with rider)
- Maturity benefit (endowment plans)
- Death due to natural calamity
- Permanent total disability benefit
- Overseas death (most policies)
What's Not Covered
- Suicide within first 12 months
- Death due to drug/alcohol abuse
- Death from war or military service
- Pre-existing undisclosed conditions
- Participating in extreme sports
- Criminal or illegal activity death
- Aviation accident (non-commercial)
- Policy lapse (premiums unpaid)
How to File a Life Insurance Claim
Our streamlined 4-step process ensures your family receives the benefit quickly.
Notify Us
Inform us at +91 9022320866 or via WhatsApp. Our claims team is available 24/7 to guide the nominee through the process.
Submit Documents
Provide the death certificate, policy document, nominee's ID proof, and filled claim form. Our team helps you compile them.
Claim Verification
The insurer reviews the submitted documents. Investigation may take 15–30 days depending on claim complexity.
Benefit Disbursement
Approved claim amount is transferred directly to the nominee's bank account, typically within 30 days of document submission.
Life Insurance FAQs
Everything you need to know before buying a life plan.
The best time to buy life insurance is as early as possible — ideally in your 20s or 30s. Younger age means lower premiums, better health ratings, and longer coverage duration. However, it is never too late to get covered.
A common guideline is 10–15× your annual income. Consider your outstanding loans, number of dependants, lifestyle expenses, and future goals like children's education when calculating your ideal sum assured.
Most policies offer a 30-day grace period for premium payment. If you miss payment even after the grace period, the policy lapses. However, you can revive it within 2–5 years by paying outstanding premiums with interest.
Yes. There is no restriction on holding multiple life insurance policies from different insurers. The total claim payout from all policies goes to the nominee. You must disclose existing policies when applying for a new one.
It depends on your age and sum assured. For smaller covers and younger applicants, a medical exam is usually not required. For higher sum assured or older applicants, insurers may request medical tests before issuing the policy.
Term insurance provides coverage for a specific period (e.g., 20–40 years) and pays a death benefit only if you die during that term. Whole life insurance covers you for your entire life and also builds cash value over time, usually with higher premiums.