November 13, 2018 Tuesday, 22:35 Hrs
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Home   Insurance   Insurance Help  
How will insurance help?

  • Insurance takes care of the unexpected
  • Family is protected from the loss of earnings in case of a crisis/calamity. Insurance takes the financial burden off.
  • The best way to save regularly- at the best rates.
  • Tax free payout on maturity acts as a ‘nest-egg’ for retirement.
  • Loans possible on certain life insurance policies.
  • Tax saving benefits under section 88 of I.T. Act.
  • After only a single premium, you are covered for the full benefit.
  • As a “locked-in savings”, Life Insurance gives you the highest returns.
  • Life Insurance policy can act as collateral when taking a loan.
  • For only a small sum each year, the Insurance company takes the risk.
What kinds of risks are covered under general insurance?

FireBuildings, machinery,furniture,fittings, stocks, etc. Loss of net profit also covered.
MarineLarge cargo/passenger vessels. Cargo handling also covered.
BurglaryStocks,cash,jewellery.
FidelityBreach of trust by employees.
Personal AccidentAccident to human lives.
MedicalMedical expenses incurred during illness/hospitalization.


General insurance ~ additional products

  • Shopkeeper Insurance
  • Flood Insurance
  • Travel Insurance
  • Baggage Insurance
  • Engineering Insurance
  • Household Goods Insurance
  • Earthquake Insurance
Insurance for rural markets

  • Crop Insurance
  • Cattle Insurance
  • Pump Insurance
  • Lift Irrigation Insurance
  • Horticulture/Plantation Insurance
Life insurance covers

FamilyFinancial protection on death of an earning member.
ChildrenSavings for education/marriage/start-in life.
Old AgeRetirement income.
Special NeedsMedical treatment/Loss of income due to disability(accidents/illness).


Life insurance

Life PolicyHas two components
1. Risk Cover- Benefit payable in the event of death
2. Savings- Benefit payable on maturity
Term policyOnly risk cover for a specific period.
Endowment policySurvival benefit( for a specified period)


Insurance- a asset everyone should have

Our life is uncertain
  • The only certainty is death- everyone dies
  • The question is when?
Our assets are open to risks of all types
  • Natural & Man made.
So, insurance is needed to think ahead & be prepared financially
  • For old age.
  • For sudden death.
  • For assets & business.
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