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Life insurance

Life insurance is something that a lot of people need to get. It isn’t something like car insurance where you are required to have it by law, but you should definitely consider getting it if you ever plan on having a family or have a business that depends on you.

Life insurance should be considered essential by most adults! Life insurance may seem overwhelming but we make it easy not only by providing you with a ton of information but also allowing you to get free quotes very quickly with our amazing quoting system.

Type Of Life Insurance

1. Term life insurance:

You get coverage for a tenure that you specifically choose. These policies could be availed by people who find it difficult to pay a lump sum amount for endowment assurance policy or whole life policy.

2. Whole life insurance:

This policy covers you for as long as you live. You stay protected for your entire life, thus this plan is named as whole life policy.

3. Endowment policy:

Risk is covered for a specific period and at the end of the period sum assured along with the accumulated bonus, is paid back to the policyholder. Endowment policy pays back the face value of the amount on the insured person's death or after a stipulated number of years. Some policies also make payment in case of critical illness.

4. Money back policy:

This policy repays survival benefits periodically during the term of the plan.

5. Savings & investment plans:

Help you save and invest to make your money grow.

6. Retirement plans:

This plan is a retirement solution plan and does not cover life insurance. You can build your retirement corpus as per your risk appetite and on completion of the specified period, a certain amount of money is paid to the insured/beneficiary in the form of pension, monthly, half-yearly, or annually.

7. Unit Linked Insurance Plans (ULIPs):

A part of investment goes towards providing life cover, while the residual portion is invested in stocks or bonds. It is a goal-based financial product, which is designed to impart safety and wealth creation opportunities.

Term Life Insurance Protection Plan

Term life insurance protection plans give you coverage only for a specified term. The main advantages of term life insurance protection plans are that they are easy on your pocket, give you the highest amount of coverage, safeguard your family against financial liabilities and offer you tax benefits.

Term life insurance protection plans have no face value and hence the premium for such policies is comparatively lower when compared with other policies. In case of survival of policy term, the insured does not get any return. The premiums in such policies increase with rising age as the chances of death are high in old age. Once you cross 60 years, these policies become difficult to afford.

Life Insurance Claims

Life insurance claims can be classified under below heads:

1. Death Claims: In case of a claim under your life insurance policy, your beneficiary needs to submit following documents:

- A fully filled claim form
- Original policy bond or contract
- An original, or certified copy of the policyholder‘s death certificate
- Proof of identity as the beneficiary

2. Maturity Claim:In order to avail maturity benefits of your life insurance you need to submit the following to your insurer:

- Original policy bond
- Maturity claim form

Life Insurance Investment Plan

These life insurance investment plans offer you dual advantages of Investment and protection. The life insurance investment plans range from low risk to high risk investment propositions, depending on the risk profile of a customer.

Life Insurance Coverage

The life insurance coverage is defined as the sum assured that you buy under the policy. You have the discretion to decide your sum assured but certain factors that affect the coverage are your annual income, your life stage and your risk group.

Term Life Insurance Protection Plan

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Life Insurance Claims

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How To SAVE

Life insurance rates are largely based on factors like your age, health and hobbies so make sure you are honest about what you say because the truth will be discovered in a medical examination that is common practice for life insurance.

Buy Young

If you buy life insurance when you are young, you will save big. Prices start to creep up in your 30s so most people think it is a great idea to get locked into a plan with a cheaper rate in your 20s even if you don’t have a family just yet. At the very latest make sure you get into it by the time you are 35 years old because at that age the rates start to go up more steeply.

MANAGE YOUR HOBBIES

Those who have dangerous hobbies could see steeper life insurance rates. Perhaps don’t take up sports like heli-skiing or base jumping if you haven’t tried those before. This is the type of thing that life insurance companies don’t like to see because they could mean a higher risk of death and payout. So, manage your hobbies and if you want to save big, stick to ones like reading or moderate exercise!

Quit Smoking

The life insurance rates for smokers are significantly higher than they are for non-smokers. If you are not a smoker don’t start now. Smokers will see a lot of things in their life become cheaper including home insurance and health insurance as well as life insurance, plus they won’t have to be spending that money on cigarettes all of the time!

Exercise Reguarly & Manage Your Health

Those who have dangerous hobbies could see steeper life insurance rates. Perhaps don’t take up sports like heli-skiing or base jumping if you haven’t tried those before. This is the type of thing that life insurance companies don’t like to see because they could mean a higher risk of death and payout. So, manage your hobbies and if you want to save big, stick to ones like reading or moderate exercise!

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Telangana 500032

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(+91) 99999 99999