Life Insurance
Protect your family's financial future.
Overview
Life insurance ensures your loved ones stay financially secure even when you're not around. We help you compare term plans, endowment plans, and ULIPs from leading insurers to find the right cover at the right premium.
What We Help With
- Term insurance for maximum cover at low cost
- Child education and future-planning policies
- Riders for critical illness and accidental death
- Claim assistance and policy servicing support
Interested in Life Insurance?
Tell us your goals and we'll get back to you with the right options.
Get in TouchLife Insurance FAQs
How much life insurance cover do I actually need?
A common starting point is 10–15 times your annual income, but the right number depends on your outstanding loans, dependants, and future goals like a child's education. We work through the actual numbers with you rather than applying a flat rule.
What's the difference between term insurance and endowment or ULIP plans?
Term insurance is pure protection — low premium, high cover, no maturity payout if you outlive the policy. Endowment and ULIP plans combine insurance with an investment component, which usually means a much smaller death benefit for the same premium. For most people, a term plan plus separate investments works out better than a combined product.
Can I buy more than one life insurance policy?
Yes. Many people hold a large term plan for pure protection alongside a smaller endowment or ULIP bought earlier. There's no rule against multiple policies, as long as your total cover is disclosed honestly to each insurer.
Does my premium change if my health or job changes after I've bought the policy?
No — once a term policy is issued, the premium is locked for the policy term regardless of later changes to your health or occupation. That's exactly why buying term cover early, while you're young and healthy, keeps the premium low for decades.
What happens if I miss a premium payment?
Most insurers give a grace period (typically 15–30 days) to pay a missed premium without losing coverage. Miss that window and the policy can lapse, though many insurers allow reinstatement within a few years, sometimes with a health check. We can help you understand your specific policy's grace period and revival terms.