Life insurance for a secure family future
Term and savings plans that protect your family’s future and goals.
- Term plans from Tata AIA and HDFC Life
- Honest guidance on how much cover you need
- Help with correct disclosure to avoid claim problems
Who needs life insurance?
Anyone with people who depend on their income: a spouse, children or parents. Life insurance pays your family if you are not there, so they can keep their home, education plans and lifestyle.
- New parents
- Anyone with a home loan
- Single earners supporting parents
- Self-employed people without employer cover
Life insurance plans we help with
Savings plans
Life cover combined with steady savings for goals like a child’s education or retirement.
Life & Savings Plans
- Plans for education, marriage and retirement goals
- Clear explanation of returns and lock-in
- No pressure: we explain, you decide
Types of cover
Term insurance
Pure protection. The highest cover for the lowest premium.
Savings and endowment plans
Combine life cover with disciplined savings for goals.
Child plans
Build a fund for your child’s education that continues even if you are not there.
What is covered, and what is not
Every policy has limits. We explain them upfront so there are no surprises at claim time. Exact cover depends on the insurer and plan you choose.
Usually covered
- Death due to illness or accident during the policy term
- Terminal illness benefit in many term plans
- Optional riders for accidental death and critical illness
Usually not covered
- Suicide within the first year (as per IRDAI rules, a partial refund may apply)
- Death due to a condition that was not disclosed when buying
- Specific exclusions listed in the policy
We compare life plans from
- Tata AIA Life Insurance
- HDFC Life Insurance
Documents needed
- Age proof and photo ID
- Income proof (salary slips, ITR)
- Medical tests, if the insurer asks
How claims work
Inform the insurer
The nominee informs the insurer with the policy number and death certificate. We help with this step.
Submit documents
Claim form, death certificate, nominee ID and bank details, plus medical records if needed.
Settlement
The insurer settles the claim to the nominee. We follow up throughout.
Life Insurance: frequently asked questions
Term plan or savings plan?
For protection, a term plan gives the most cover for your money. Savings plans suit people who want a disciplined, low-risk savings habit. Many families use both.
Why is honest disclosure so important?
If you do not disclose smoking, illness or other details, the insurer can reject the claim later. We help you fill the proposal form correctly.
Related insurance
Health
Choose a health plan that actually pays when you need it, with waiting periods and limits explained upfront.
Health Insurance
- Compare plans from 5 health insurers
- Cashless treatment at network hospitals
- Help with cashless approval and reimbursement claims
Talk to an advisor about life insurance
Get a free comparison from leading insurers, explained in plain language. Online or at our Sonipat office.
Or call 99996 68013 · Monday to Saturday, 10:00 AM to 6:00 PM