Insurance: Your Shield for a Secure Future

You will do anything for the ones you love.Thinking about why you need life insurance can be an emotional and stressful task. However, life insurance is one of the most responsible decisions you can make to help ensure that your spouse, children or other loved ones can continue to enjoy the quality of the life they deserve. Life is unpredictable.

So it is important to ensure that your family and loved ones are taken care of financially in case something should happen to you. This is where life insurance comes in.It can provide some financial peace of mind if the worst were to happen.

What is Life Insurance?

Life insurance offers a way to replace the loss of income that occurs when someone dies. Life insurance is insurance for you and your family's peace of mind. With a life insurance policy in place, you can:

• Provide security to your family
• Protect your home mortgage, loans, credit card borrowings etc.
• Provide finance to your loved ones to achieve their goals in your absence
• Ensure that your family is able to maintain their lifestyle, no matter what happens
• Please Take care of your estate planning needs
• Look at other retirement saving/investment vehicles

We are Associated With major Life Insurance Companies in India

Travel Insurance is an insurance product designed to cover the costs and losses and reduce the risk associated with, unexpected events you might incur while traveling. It provides the protection for those traveling domestically or abroad. Travel insurance is frequently purchased as a package that includes several different types of coverage.

Travel insurance is insurance that is intended to cover medical expenses, trip cancellation, lost luggage, flight accident and other losses incurred while traveling, either internationally or domestically.

Travel insurance can usually be arranged at the time of the booking of a trip to cover exactly the duration of that trip, or a "multi-trip" policy can cover an unlimited number of trips within a set time frame. Some policies offer lower and higher medical-expense options; the higher ones are chiefly for countries that have high medical costs, such as the United States.

Vehicle insurance (also known as car insurance, motor insurance or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise there from.

Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying and damage sustained by colliding with stationary objects.

Third Party Liability coverage Policy

A third-party Car Insurance plan provides coverage against any legal liability arising out of injuries to a third-party when the policyholder is at fault. It covers damages and injuries caused by the insured vehicle, to a third-party person or property.

As per the Motor Vehicles Act, 1988, it is mandatory for every motor vehicle owner to buy at least third-party insurance coverage in India.

Comprehensive Insurance Policy

A comprehensive Car Insurance plan offers complete protection against the damages to the car due to an accident or a road-mishap. It provides coverage for the damages to the car, third-party legal liability, theft, along with personal accident coverage.

Home is where the heart is. We keep returning to our beloved house every time we step out. We have our sentiments attached to it as each corner treasures special memories with our loved ones.

It takes a lot of time and money to build a home, just like we’ve dreamt of. With such a big investment comes great responsibility to protect and secure it against unforeseen threats such as fire breakout, disasters or theft.

Following can get covered under home insurance policy:

• Fire & allied perils and Burglary including theft and larceny under one policy
• Structure & household Contents
• Covers risk against Fire, Lightning, Explosion, Flood, Storm, Riot, Strike, Earthquake, Burglary and Theft
• Building – on Reinstatement Value basis which is current cost of construction

1. Fire insurance provides protection against unforeseen damage to or destruction of moveable and immovable property due to fire and other perils.
2. Types of property that can be covered under fire insurance are buildings, plant and machinery, equipment, stock and contents like furniture and fixtures.
3. Other perils covered include lightning, explosions, malicious damage, natural disasters, impact damage and landslide.
4. Loss caused by war, nuclear perils, pollution, burglary and mechanical breakdowns are not included.
5. Fire insurance policies are issued for one year, except for dwellings where a long term policy may be issued.

• Protects organisations from the threat of expensive lawsuits and compensation payouts.
• Helps employers satisfy obligations imposed by worker’s compensation statutes.
• Covers liability of an employer for death or bodily injuries sustained by employees during employment.
• Employer’s Liability insurance covers injuries occurring within the scope of employment.

A Personal Accident insurance policy provides monetary compensation in the event of bodily injuries, disability or death caused by accidental, violent and external events.

It is an annual policy which provides compensation in case of injuries, disability or death caused solely by accidental events.

You can take a policy for yourself or your family. Personal Accident insurance provides 24-hour worldwide protection.