Life Insurance Companies in Our Network

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  • Hdfc Life Insurance Company
  • ICICI Prudential Life Insurance Company
  • Bharti AXA Life Insurance
  • Reliance Life Insurance
  • Life Insurance Corporation - LIC
  • Max Life Insurance Company
  • Aviva Life Insurance Company

About Life Insurance In India

Insurance in its basic form is defined as "A contract between two parties whereby one party called insurer undertakes in exchange for a fixed sum called premiums, to pay the other party called insured a fixed amount of money on the happening of a certain event".” In simple terms it is a contract between the person who buys Insurance and an Insurance company who sold the Policy.

By entering into contract the Insurance company agrees to pay the Policy holder or his family members a predetermined sum of money in case of any unfortunate event for a predetermined fixed sum payable which is in normal term called Insurance Premiums. Insurance is basically a protection against a financial loss which can arise on the happening of an unexpected event.

Why do I need Insurance ?
What will happen to my family if god forbidden something happens to me ? If this question bothers you, then Life Insurance is the answer. An Insurance company collects a small percentage from you and in return promises to pay your family a predetermined sum in case of an unfortunate event.

The Basic Logic of Insurance is to :
Provide Financial Security to your family.
Protect your Assets such as Car, Equipments, House etc from Accidents or natural disasters.
As a means of Investments / Savings & Tax Planning

What are the benefits of taking Insurance ?
There can several benefits for taking Insurance, some of them are listed below.
* Financial Security of Life and Assets in case of an unfortunate event.
* Tax Relief by way of deductions from Income, which lowers tax burden.
* Encourages saving and helps in Financial Planning for the Future.
* Life Insurance Policies can be used as security to obtain a Loan.

About Insurance Policies in India

Listed below are a few most popular life & general insurance policies in India.

Get Free insurance quotes, Compare & Save Money : Compare Free Quotes on Life Insurance, Health Insurance, Car Insurance, Travel, Child & Retirement Plans with

Retirement / Pension Plans

Retirement plans by life insurance companies are combination products, offering the benefits of both investment & insurance protection. A retirement policy has two distinct phases. The first is the accumulation phase or investment phase, during which you pay regular insurance premiums & the money accumulates through the tenure of the plan. In the second stage called the vesting age, when you start getting regular payouts from the corpus. This is also called as the annuity phase, when a person starts getting regular pension income. Invest in the best pension plans & compare pension plans from top companies.

Child Education Plans

A child insurance plans or children's education plans offers a lump-sum payment on death of the policy holder, but the policy still continues. All the remaining premiums are waived off & the company continues to invest money on behalf of the policyholder. The cost of education is high and naturally, parents want to give their children the best chances and choices to achieve their goals. Child insurance helps investment planning to make sure that adequate finances are available when needed. Almost all insurance companies offer Children's insurance plans in India. Compare features & benefits & invest in the best child insurance plan at & save tax.

Unit Linked Insurance (ULIP's)

A Unit linked insurance plans (ULIP's) are a special kind of insurance policies which have a benefit of life insurance and also serves as an investment tool. In a ULIP policy there are two parts in the premium a client pays, the first part of the premium goes into covering the life of the policy holder and the second part goes into investments. Customers have a choice to select the investment mix, they can go for 100% equity or 100% debt funds or a mixture of both. The returns from the insurance policy is directly related to the performance of the funds. Due to the recent guidelines by IRDAI, ULIP's have become more attractive & beneficial to investors. Compare the best ULIP plans at

Moneyback Insurance Policy

Money back policies are quite similar to endowment insurance plans where the survival benefits are payable only at the end of the term period ,plus the added benefit of money back policies is that they provide for periodic payments of partial survival benefits during the term of the policy so long as the policy holder is alive. The return from investments in Money Back Policies would range between 5% to 8% anually depending on the interest rate movements. Apply & Choose the best Moneyback plans at & save money today.

Term Insurance Policies

Term Insurance is a no frills life insurance plans and covers you for a term of one or more years. It pays a death benefit only if you die in that term. Term Insurance generally offers the cheapest form of insurance. You can renew most Term Insurance policies for one or more terms even if your health condition has changed. Each time you renew the policy for a new term, premiums may climb higher. Term policies,cover only the risk during the selected term period. If the policyholder survives the term, the risk cover comes to an end. Get Quotes & Compare Term Insurance with today.

Endowment Insurance Policy

Endowment insurance are policies that cover the risk for a specified period. The Endowment insurance policies work in two ways , one they provide life insurance cover and on the other hand as an vehicle for saving. They are more expensive than Term policies and Whole life policies. Normally the bonus in calculated on the sum insured but the only draw back is that the bonuses are not compounded. Endowment insurance plans are best for people who do not have a saving and an investing habit on a regular basis. Endowment Insurance Plans can be bought for a shorter duration period. We at help you choose the best Endowment insurance plan from top companies. Apply & Get Free Quotes.

Auto / Car Insurance Policy

It is compulsory to have a valid auto insurance policy before you can bring your vehicle on the road. A third party insurance is mandatory according to law, but a comprehensive auto insurance policy is advisable for private vehicles. Car insurance is mandatory for every car owner for their personal safety as well as those traveling with them when they are driving. It helps protect the vehicle against damages via accidents or natural calamities, besides safeguarding from claims from third parties if the car owner is responsible for a mishap. Save upto 55% on your car insurance today, Apply & get your free Quotes & compare to choose the best offer at

Health / Mediclaim Insurance Policy

The cost of treatment & hospitalisation has been sky rocketing over the years and a major illness of a family member can disbalance the financial stability of a family. Rising pollution, ever increasing stress, un-healthy eating habits, lack of exercise and other unknown factors are beyond our control. It is recommended to have a health or medical insurance policy for you and your family, even if you are covered by your company. Protect your family with the best health insurance plan, order your free health insurance quotes at, compare & buy the best health plan.

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