Life & Investment Insurance
Secure Your Future. Grow Your Wealth.
Life is unpredictable — but your family’s financial future shouldn’t be. Our Life & Investment Insurance plans are designed to offer protection, stability, and long-term growth so you can live today with confidence and plan tomorrow with purpose.
🌟 What is Life & Investment Insurance?
It’s a two-in-one plan that provides both:
Life Insurance Protection – Ensuring your loved ones are financially secure in your absence.
Investment Benefits – Helping you build wealth over time through market-linked or guaranteed returns.
So, while you safeguard your family, you also grow your savings smartly.
Unit Linked Insurance Plans (ULIPs)
A ULIP is a smart combination of insurance protection and investment opportunity.
Part of your premium provides life cover, while the remaining is invested in market-linked funds like equity, debt, or balanced options.
Key Benefits:
💰 Dual Advantage: Get life cover + investment growth in one plan.
📊 Flexible Investment Choices: Choose funds based on your risk appetite — from high-return equity to stable debt funds.
🔄 Switch Options: Move between funds anytime to match market conditions or changing goals.
🎯 Goal-Based Planning: Ideal for long-term goals such as your child’s education, home purchase, or retirement corpus.
Best For:
Individuals who want to grow wealth while ensuring family protection and are comfortable with moderate to high market risk.
Endowment Plans
Endowment Plans combine life insurance coverage with guaranteed savings.
They are perfect for those who prefer stable and risk-free returns along with financial security for their loved ones.
Key Benefits:
Guaranteed Returns: Receive a lump sum at the end of the policy term, regardless of market fluctuations.
Family Protection: In case of the policyholder’s demise, the nominee receives the sum assured.
Bonus Additions: Many plans offer yearly bonuses, increasing the maturity value.
Peace of Mind: Safe and predictable — ideal for conservative investors.
Best For:Those looking for low-risk, long-term savings with life protection — such as parents, salaried professionals, or retirees.
Money-Back Plans
A Money-Back Plan gives you periodic payouts during the policy term, ensuring liquidity while still providing life cover.
It’s perfect for those who want regular returns without compromising on protection.
Key Benefits:
💸 Regular Income: Get a percentage of the sum assured at fixed intervals during the policy term.
🧾 Financial Flexibility: Meet short-term goals like paying EMIs, travel expenses, or child’s school fees.
🛡️ Life Cover Throughout: Even after payouts, your life cover continues till the end of the policy term.
🎁 Maturity Benefit: Receive remaining balance and bonuses (if applicable) at maturity.
Best For:
People who want both insurance and steady cash flow — such as families managing regular expenses or individuals seeking partial liquidity.
Whole Life Plans
Whole Life Insurance offers coverage for your entire lifetime — not just for a fixed term — while allowing your policy value to grow over time.
Key Benefits:
🕒 Lifetime Coverage: Protection continues up to age 99 or 100 (depending on the plan).
💹 Wealth Accumulation: Build a legacy through savings and bonuses that grow each year.
💖 Family Security: Your loved ones receive the full sum assured + accumulated bonuses after your lifetime.
💼 Flexible Withdrawals: Some plans allow partial withdrawals after a few years for emergencies or major goals.
Best For:
Individuals looking for long-term security, estate planning, or wealth transfer to the next generation.
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F.A.Q
It’s a plan that combines life insurance protection with investment benefits. Part of your premium secures your family’s future, while the rest is invested to help your money grow over time.
Regular life insurance only provides financial protection in case of death.
Life & Investment Insurance gives you protection + returns, helping you achieve long-term financial goals like education, retirement, or wealth creation.
We offer various options such as:
ULIPs (Unit Linked Insurance Plans)
Endowment Plans
Money-Back Plans
Whole Life Plans
Each plan is designed to suit different needs — from guaranteed savings to market-linked growth.
Yes, if you have a ULIP plan, you can switch between equity, debt, or balanced funds anytime, depending on your financial goals and market performance.
Your premium depends on factors like your age, income, coverage amount, investment type, and policy term. Our experts can help you calculate the ideal premium based on your goals and budget.
In most cases, maturity and death benefits are tax-free under Section 10(10D) of the Income Tax Act.
Premiums paid may also be eligible for tax deduction under Section 80C. (Tax laws are subject to change.)
Yes, many traditional plans like Endowment and Whole Life Policies allow you to take a policy loan after a certain period, offering financial flexibility when needed.
Clients We Worked With
