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 as 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. The specific terms of vehicle insurance vary with legal regulations in each region.

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. This plan is called a comprehensive plan because it provides coverage for the damages to the car, third-party legal liability, theft, along with the personal accident coverage. The coverage can be boosted by selecting additional covers, such as zero depreciation, engine protector, accessories cover, medical expenses, etc. A comprehensive Car Insurance plan includes coverage for fire, theft, natural and man-made catastrophes, such as a tornado, hurricane, vandalism, damage caused to the car by animals, falling objects, civil disturbance etc.

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 off. With such a big investment comes great responsibility to protect and secure it against unforeseen threats such as fire breakout, manmade disasters or theft. These disasters may hamper your paradise and leave a dent on your pocket for coping up with repair costs. It’s not always the manmade factors that pose to be a threat to your little heaven, natural calamities such as earthquake and flood may also jeopardise your sweet home. To bring in peace of mind and insure safety of your paradise, you should opt for a home insurance plan.

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

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 content like furniture and fixtures, cables, etc
3. Other perils covered include lightning, explosions, malicious damage, natural disasters, impact damage, subsidence and landslide, and bursting of water tanks.
4. Loss or damage caused by war and warlike operations, nuclear perils, pollution or contamination, electrical/mechanical breakdowns, burglary and housebreaking are not included.
5. Fire insurance policies are issued for one year, except for dwellings, where a policy may be issued for long term (with a minimum period of three years).

• In an increasingly global work environment, employee rights have rapidly moved forward. To protect organisations from the threat of expensive lawsuits and large compensation pay-outs, Workmen’s Compensation / Employer’s Liability Insurance is taken.
• The workmen’s compensation insurance is the primary method by which an employer can demonstrate the ability to satisfy the obligations imposed by the worker’s compensation statutes. It is compensation payable under a scheme set out in the Workmen’s Compensation Act of India, monitored by the Ministry of Labour.
• The policy covers statutory Liability of an employer for the death of or bodily injuries or occupational diseases sustained by workmen in the Insured’s immediate service and arising out of and in the course of employment.
• Employer’s Liability insurance covers for bodily injury to employees occurring within the scope of their employment when that Liability is not covered by worker’s compensation.

A Personal Accident insurance policy is a plan which provides monetary compensation in the event of bodily injuries or disability or death caused solely by accidental, violent, visible and external events. Personal accident schemes cover the policyholder against death or disability due to an accident. The scope of cover and scale of benefits differ between insurance companies and you should therefore ensure that you purchase a policy which meets your requirements.

Personal Accident insurance or PA insurance is an annual policy which provides compensation in the event of injuries, disability or death caused solely by violent, accidental, external and visible events. It is different from life insurance and medical & health insurance.

You can either take a PA policy for yourself or a group policy for your family, protecting you and them anywhere in the world, anytime of the day. PA insurance provides 24-hour worldwide insurance protection.