Insurance

"If I had my way, I would write the word 'insure' over the door of every cottage and upon the blotting book of every public man; because I am convinced that, for sacrifices that are inconceivably small, families can be secured against catastrophes which otherwise would smash them up for ever."

- Winston Spencer Churchill

Why us???

⇒ Comprehensive need analysis of the client
⇒ Focused search for the appropriate insurance product across all public & private insurers
⇒ Quick, efficient & convenient services at the door step
⇒ Developing and implementing innovative solutions to offer sustainable and stable returns to our policyholders
⇒ Ensuring transparency in all our dealings

I don't need insurance!!!
Do you really need insurance…the answer is YES if you want to:

To protect life from unforeseen risk/circumstances
To ensure regular pension / steady stream of earnings post working life
To fulfill your child's dreams / education / marriage
To provide solutions for health problems/contingencies

Insurance Plans - At a glance
Broadly, insurance plans can be distinctly divided into ULIPs and traditional plans. A brief detail of both segments:

Unit Linked Insurance Plans

Traditional Plans

ULIP v/s Tradition Plans

	ULIP	Traditional Plans
Term --->	Shorter term (3 year) Benefit term = 20-25 yrs.	Longer term (20-25 Years) Benefit term = 20-25 yrs.
Returns --->	High Risk / High Returns	Low Risk / Low Returns
Premium --->	Choice of Investor	Predecided by Company
Life Cover --->	Up to 50 times of cover i.e. Premium = Rs. 50,000 Then Insurance Cover = Rs. 25,00,000/- Minimum PPT = 3 years Age = 28 yrs.	Fixed Premium = Rs. 1,10,000 (approx) Minimum PPT = 25 yrs. Age = 28 yrs.

Wide range of insurance products
We deal with all major public and private insurance companies and aims to offer the best available products to our clients.

Highlights of some of the insurance products from major life insurance companies:-

FIG: Future income generator helps you earn income even after you retire.(Bajaj Allianz)
Invest Gain: A plan that provides financial security along with life insurance.(Bajaj Allianz)
Lifestage pension: It is a pension plan with an option to choose discretionary strategy or a life cycle based one to create an optimum exposure to different asset classes.(ICICI PRUDENTIAL)
Lifetime super: It's a ULIP which offers potentially higher returns and an insurance cover to secure your family.(ICICI PRUDENTIAL)
Jeevan Anand: It provides financial protection against death with the provision of payment of a lump sum at the end of the policy term(LIC)
Market plus: It is a unit linked deferred pension plan which can be taken with or without risk cover.(LIC)

Term plans:

The sole objective of Term plans is to serve the protection needs of the customers. These plans are pure risk cover plans, it provide cover at a very nominal cost and comes with or without maturity benefit.

General insurance:
Our general insurance arm is headed by Mr. I.C. Bhandari (Ex Regional Manager - United India Insurance Co. Ltd. )

General insurance typically includes health, car and fire insurance.

⇒ Health plans:

Covers hospitalization expenses, pre and post hospitalization expenses, pre-existing diseases, critical illness, and donor expenses.
Include reimbursement / 24 hour's cashless facility at more than 3000 network hospitals.

Selecting a health plan:

⇓ Family plan
⇓ Individual plan

⇒ Car & fire insurance:

Comprehensive need analysis of the client
Suggestion with respect to the appropriate insurance product
Search focus for the appropriate insurance product across all public & private insurers
Comparison of insurance products
Premium negotiation
End-to-end sales facilitation
Claims Support

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