Features of term insurance plan

• High Coverage, Low Premium
  Get coverage up to ₹1 crore or more with premiums starting as low as ₹500/month.
  
• Flexible Policy Term
  Choose coverage for 10, 20, 30 years — or even till age 100.
  
• Return of Premium Option
  Get all your money back if you outlive the policy term (optional benefit).
  
• Tax Benefits
  Save on income tax under Sections 80C and 10(10D)

What is a Wealth Policy?

A Wealth Plan (also known as a Savings or Investment-linked Insurance Plan) is a smart way to build long-term wealth while also getting life cover. You pay regularly, and your money is either invested or saved based on the plan you choose. At the end of the policy term, you get a maturity benefit — like a lump sum or regular income — while your life stays insured throughout.

In simple words: You invest + You stay protected = Win-Win.

Benefits of wealth policy

• Wealth Creation with Life Cover
  Your money grows over time, and your loved ones stay financially secure.
  
• Guaranteed or Market-Linked Returns
  Choose a plan with guaranteed payouts (low risk) or go for ULIP-style plans that invest in equity/debt funds (high growth potential).
  
• Tax Benefits
  Enjoy tax savings on premiums (Section 80C) and maturity benefits (Section 10(10D)).
  
• Flexible Payout Options
  
  • Lump-sum at maturity
    
  • Regular income after retirement
    
  • Partial withdrawals when needed (ULIP plans)
    
• Riders for Extra Safety
  Add accidental cover, critical illness benefit, or waiver of premium to stay fully protected.

What is a Retirement Policy?

A Retirement Policy (also known as a Pension Plan) helps you build a steady income for your post-retirement life. You invest during your working years, and once you retire, the plan gives you a monthly or yearly income, so you can enjoy life without depending on anyone financially.

It’s like giving a salary to your future self — even after you stop working.

 Benefits of retirement policy

• Guaranteed Income After Retirement
  Get regular payouts to manage your day-to-day expenses and lifestyle.
  
• One-Time or Regular Investment Options
  You can choose to invest once (lump sum) or pay monthly/yearly during your working life.
  
• Life Cover + Retirement Corpus
  Some plans give both life insurance and a retirement fund.
  
• Tax Benefits
  Save on income tax while building your retirement fund under Section 80C.
  
• Optional Add-ons
  Add riders like health cover or critical illness to make it even more secure.

 What is a Saving Solution?

A Saving Solution is a life insurance plan that helps you save regularly while also offering life cover. At the end of the policy term, you get a guaranteed maturity amount or regular income — plus your family stays protected if something happens to you.

It’s ideal for anyone who wants to build discipline in saving while staying insured.

Benefits of saving policy

• Guaranteed Returns
  You know exactly how much you’ll receive at maturity — no surprises.
  
• Life Cover Included
  Your family gets financial support if something happens to you during the policy term.
  
• Regular Income or Lump Sum
  Choose to get a fixed amount every month/year or one-time payout at maturity.
  
• Tax Benefits
  Save tax on both premium and returns under Sections 80C & 10(10D).
  
• Loan Option Available
  Need funds urgently? Some plans let you take a loan against your policy.