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Life Insurance is an agreement that guarantees payment of a stated amount of monetary benefits at the end of a specified term or at the death of the life insured.

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About Life Insurance

  • Life Insurance ensures financial protection to the family in the unfortunate event of a person's death.
  • As a ruler of thump one should have life cover for an amount equal to one's overall liability.
  • It comes in forms - (1)Term Life Cover where the premium just covers life and provides no returns and (2) ULIP (Unit Linked Insurance Policy) - where a portion of your premium gets invested and you receive a payout at maturity.

Features of life Insurance

Simple procedure

It can be accessed with minimum documentation and does not take time to procure as compared to secured loan.

Choose your amount

Self-employed professional loan range depending on income, obligations, repayment history (if applicable) and repayment capacity

Enjoy Best Rates

Self-employed professional loans can be availed at a better and cheaper rate

Decide your tenure

Easy repayment option you can choose for 12 to 48 months.

Life Insurance- Insurability

  • "Insurance is not for the person who passes away, it is for those who survive," goes a popular saying that explains the importance of Insurance Planning. It is extremely important that every person, especially the breadwinner, covers the risks to his life, so that his family's quality of life does not undergo any drastic change in case of an unfortunate eventuality.
  • Q: But is it required for Life long? i.e for 100 yrs.?

    A: No. Normally recommended 60 yrs / dependents responsibilities are cover. Means required to protect the life up to the retirement age, unless otherwise special situations. .
  • Q: Compare high risk period before 21yrs and After 60 yrs, does any banker giving a loan?

    A: Before 21yrs and after 60yrs no bank will lend including secure loan. I.e. means the risk is high and certainty is very high.
  • Q: What will happen if I take whole life insurance cover?

    A: You will be paying much higher amount than the amount what your cover value will be over years.
  • Q: What will happen if I didn’t declare all my diseases in the application?

    A: Before 21yrs and after 60yrs no bank will lend including secure loan. I.e. means the risk is high and certainty is very high.
  • Q: Will I get insurance cover, if I declare the diseases?

    A: Most of the cases, yes. Other than few life threaten diseases, will be covered. But premium will go high and self declaration would require.
  • PAN card, Passport, Driving License, Voter ID, Aadhar Card, Ration card.
  • Passport, Driving License, Voter ID, Aadhar Card, Mobile/Land Line Bill, Rental Agreement, Ration Card, Gas bond with Bill, Sale deed, Property Tax, Electricity Bill, Aadhar Card.

Frequently Ask Questions

  • Life insurance is an agreement designed to offer several benefits, besides financial security, for the family in the event of untimely death or a loss of income due to physical disability. Namely:
    • Savings for old age.
    • Systematically building assets.
    • Funding children’s education.
    • Saving on taxes.
  • The cost of life insurance depends on an individual’s age, health and income.
  • Nominee is the person selected by the individual with life insurance to receive the benefit in case of death of the life insured. The nomination can be changed at any point till the maturity date by filling in an application form.
  • A policy only lapses when the policyholder fails to pay the premium within the stipulated grace period. The policy after that point loses all its benefits.
  • As per the policy conditions, the sum assured and/or the value of the fund units is normally payable to the beneficiaries in the event of risk to the life of the individual with the insurance.
  • All the charges deductible under the policy.
  • Payment on premature surrender.
  • Features and benefits.
  • Limitations and exclusions.
  • Lapsation and its consequences.
  • Other disclosures.
  • Illustration projecting benefits payable in two scenarios of 6% and 10% returns as prescribed by the life insurance council.
  • Life insurance policies are not given to those below 21 years of age and those above 65 because these age segments are considered high risk.
  • Other than a few life threatening illnesses, these policies are given to most people regardless of medical history. Failure to declare any illnesses while obtaining a policy however, will result in decreasing chances of getting a claim approved.

Life Insurance is an agreement that guarantees payment of a stated amount of monetary benefits at the end of a specified term or at the death of the life insured.

Appreciate you for choosing us to serve you.We started working on your application number Book Appointment
You are eligible for "GIFT COUPON"

Confirm the selection & share more details

I authorize & its representatives to call me or SMS me with reference to my application. This consent will override any registration for DNC / NDNC. Insurance is the subject matter of solicitation.
I authorize www.instaemi.com & its representatives to call me or SMS me with reference to my application. This consent will override any registration for DNC / NDNC. Insurance is the subject matter of Solicitation.

For any financial transaction, your KYC is mandatory. Your co-ordinates also help us reach you for any clarification or advice.

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