KEEP YOUR PEACE OF MIND

Term Insurance

Term life insurance is a life insurance that provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. If the life insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is typically the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.

Term life insurance can be contrasted to permanent life insurance such as whole life, universal life, and variable universal life, which guarantee coverage at fixed premiums for the lifetime of the covered individual unless the policy is allowed to lapse. Term insurance is not generally used for estate planning needs or charitable giving strategies but is used for pure income replacement needs for an individual. Term insurance functions in a manner similar to most other types of insurance in that it satisfies claims against what is insured if the premiums are up to date and the contract has not expired and does not provide for a return of premium if no claims are filed.

Health Insurance

Do you have the Emergency Plan if something goes uncontrolled with your health?

How will your family manage the health expenses during your sickness?

Corporate Health Cover is Insufficient With rising medical costs, the importance of health insurance policy cannot be overstated. Check the cost of a two day’s hospitalization for a regular ailment and then compare it with your company’s insurance coverage. When you will retire or change a job, your corporate health plan will cease to exist. So it is worthwhile to buy an individual health plan.

Increase in Incidence of Life Threatening Diseases Sadly, India is grappling with life threatening diseases. The effect of these diseases is felt on the productive workforce from 35-65 years. Also, heart diseases among Indians occur five to ten years earlier than in any other population around the world.

Better Financial and Heath Care Planning Accidents and medical emergency can happen without warning and a good health policy will ensure that you are sufficiently covered for emergencies. It is tough to compute how much you will spend on health care in a year but having health insurance plan helps you to pay for sudden medical costs. You can also buy family health plan that will cover the entire family. Usually, these family plans are much cheaper than having multiple individual health plan. Also, you can opt for critical illness plan along with personal accident cover to address your divergent health care needs.

Tax Benefits You can get exemption for paying the premium under Section 80D of the Insurance Act. The limit of deduction in health insurance premium to Rs 25,000. For senior citizens, the new limit is Rs 35,000

Personal Accident Insurance

Can You bear the hospital charges arising due to an accident?

Have you thought about your family if something gets uncontrolled with you due to a mishap?

What if your income halts for a while after your accident?

Some policies may cover boarding expenses apart from surgeon, anesthetist and consultant fees; charges for anesthesia, oxygen and diagnostic materials in addition to X-rays and dialysis costs among others.

Offer cashless facility and direct settlement of bills with the hospital. Offer to cover pre and post-hospitalization charges for a specific period.

Less than 24 hours hospitalization for certain procedures such as chemotherapy, eye surgery and tonsillectomy among others. Extended cover for certain critical ailments above hospitalization benefits. Some policies may provide cover for pre-existing diseases after payment of extra premium. Some policies may cover domiciliary expenses.

Some of the optional benefits include waiver of waiting period, first year exclusions besides reimbursement of ambulance charges among others.

Critical Illness Insurance

Have you ever thought about how your life would change if you were diagnosed with a life threatening illness?

How would you feel having to tap into your savings or your child’s school funds to pay for the bills and pay for your treatment?

How would you supplement your income because you cannot work?

Critical Illness Health Insurance For Unplanned Medical Expenses. Critical illness is a life changing event which hinders your dreams and wipes out savings. There is a good reason to buy critical illness insurance cover, especially for the earning members of the family.

According to the data compiled by the National Crime Records Bureau, 26,726 people in the nation suffering from chronic ailments like AIDS, cancer and paralysis died in 2017. With hospitals investing heavily in super specialty equipments, cost of treatment is only escalating.

Once a person is hospitalized, incidental costs can go sky-high. Take cancer for instance. Herceptin (breast cancer drug) may cost anywhere between Rs 95000/vial and Rs 2 lakh/vial. A patient needs at least 16 vials.

Similarly, an angioplasty can cost anywhere between Rs 2 and Rs 4.5 lakh. Getting a best critical illness plan is

Travel Insurance

Can you bear entire loss if your Vacation Trip tickets gets cancelled?

Have you thought of the accommodation cost in an expensive if you happen to wait due to cancelation of your flight?

What if you met with an accident during your trip or a medical emergency strikes all of a sudden?

Everybody loves to travel. Travelling is an amazing experience & fun to cope up with stress & depression.

Below mentioned are few things, which you need to keep in mind while buying a travel plan:

• Covers Flight Delay and Cancellations
• No Extra Cost for Pre-Existing Diseases
• Covers for Passport and Baggage Loss
• Personal Accident and Liability Covered
• Quick Claim Reimbursement with Cashless Options

It Covers You against All the Health Emergencies. It is Mandatory in Some Countries. Claim Your Flight Cancellation or Rescheduled Flight Fees.

Travel-related Stress, what’s that? - A travel insurance plan keeps travel-related stress at bay by offering financial safety and security when you are abroad. In case you fall sick, get injured, or get stranded at your destination, a travel insurance policy will be able to provide for any emergency accommodation till the time it is safe for you to fly back home. Replacement for Lost or Stolen Baggage, Coverage for the Entire Family, Personal Liability Coverage, Emergency Assistance.

Motor Insurance

Is your luxury car covered from damages due to an accident?

What if tree collapses on your expensive car?

Is your Engine of your Car covered under Engine Protection?

Do you know that your engine repairs comprises of 20% of your Car's Value?

Type of insurance policy that efficiently takes care of expenses arising from unfortunate events, such as an accident, theft, and any third-party liability. Car insurance is the best way you can protect yourself and your car from financial emergencies, including any legal liability, resulting from physical damage, traffic collision, bodily injury caused to you, your car, or a third party.

Third Party car insurance provides cover against any legal liability to a third party caused when you are at-fault driver. It covers damage/injury caused by you to another person/property. A Third Party Liability cover is legally mandatory in India under the Motor Vehicles Act.

Collision coverage protects the insured financially against damage of their own car. It pays the insured for damage caused by collision which is usually an accident. Damage or loss due to theft or vandalism is not included in collision coverage.

A comprehensive coverage is extensive and includes damage of car, theft of vehicle, third party legal liability and personal accident cover. The policy coverage can be further extended by opting for add-ons like accessories cover, engine protector, zero depreciation cover, medical expenses, etc. This type of coverage is the most popular as it offers end-to-end coverage and thus less stress for the policyholder

Home Insurance

In Seconds a disaster can occur, Is your Home Covered ?

A Gusty Flame of Fire can turn Valuables to Ashes ! Is Your Home Protected?

Your Doors may have locks but that won't stop Burglary?

Your House wiring may be Shockproof but is your Home Fire Proof?

There is no such place like home in the entire Universe. After all, it is a place where you and your loved ones can rejoice, weave thousands of memories that last for a lifetime. There is no denying of the fact that house insurance is a must, however, there are other benefits and riders to buying such a policy that will add convince you totally.

Have a look below:

• Get comprehensive coverage to both content and structure of your home.
• Secure your assets from any mis-happening.
• Buy home insurance policy at comparatively lower premium rates than other insurance policies.
• Reduce stress and tension level for you’ll have a home insurance to fall back to, in case of unforeseen circumstances.
• Timely insurance payouts allow families to go through rebuilding process quickly, helping them to move on and get back to their normal daily lives.

Collision coverage protects the insured financially against damage of their own car. It pays the insured for damage caused by collision which is usually an accident. Damage or loss due to theft or vandalism is not included in collision coverage.

A comprehensive coverage is extensive and includes damage of car, theft of vehicle, third party legal liability and personal accident cover. The policy coverage can be further extended by opting for add-ons like accessories cover, engine protector, zero depreciation cover, medical expenses, etc. This type of coverage is the most popular as it offers end-to-end coverage and thus less stress for the policyholder

Fixed Deposit & Bonds

Fixed Deposit or term deposit is an instrument by which one can deposit his/her savings for a prescribed period of time with a bank. When the period of deposit elapses, the depositor is entitled to the interest on the deposited amount. In some cases, the rate of interest on fixed deposits can be as high as 9.5%!

All you got to do is deposit your savings in a bank account of your preference and watch your money grow over time. Do remember to check with multiple sources regarding the various options available. There are a wide range of fixed deposit products available to suit a wide range of investor preferences. So choose the one that matches closely with your investment goals.

Types of Companies offering Fixed Deposits

• Financial Institutions
• Non-Banking Finance Companies (NBFCs).
• Manufacturing Companies
• Housing Finance Companies
• Government Companies

Company Fixed Deposits offer comparatively higher returns than banks. Choose the best tenure for you from a wide range as per your convenience.

Company Fixed Deposits are non transferable that means there is no fear of FD receipt being stolen. In case it falls into wrong hands, it cannot be misused. Premature encashment of deposit is available any time subject to payment of prescribed penalty.

Corporate Bonds

A Corporate Bonds is an interest bearing deposit bank product offered to corporate banking customers by banks and accredited financial institutions. Corporate bond target customers can include large commercial companies, public institutions, government agencies and large non profits. It contrasts to retail deposits which are held by consumers and business deposits that are held by SMEs. Corporate banking clients may use this type of product as a cash management solution when managing the optimal mix of liquidity and returns of surplus funds as it may provide an investment stream.

Tax Planning

Tax Planning is the key to successfully and legally reducing your tax liability. We go beyond tax compliance and proactively recommend tax saving strategies to maximize your after-tax income.

Don’t let your hard money slip away! TAX is the biggest single expense. There is a lot to understand when it comes to your taxes. Planning your taxes at the last minutes can be chaotic, but you can still make wise investment choices! Developing an innovative tax strategies that align with goals is very important. Seeking professional tax advice before pulling the trigger on significant transactions is usually money well spent.

It’s not what you make, it’s what you keep. Who cares about taxes you pay. WE DO Take a control of your taxes.

Retirement Planning

You will be around but your money? It should also be….Around YOU for…

Retirement is a journey not your destination… You are never too old to set another goal or to dream a new dream of happy retirement. Let’s travel together on your path of retirement journey. It’s a stage of when life is like ….Doing what I want And When I want. So do it know so that you can do it better tomorrow.

Child Future Planning

So many dreams about Child future…

Children not only needs to be loved they need you to support their dreams. They are like a butterfly who wants to fly at their best & achieve their dreams. Dreams may change day by day, season by season whatever may be the cost. They are little kids with big dreams. Fuel their dreams. Let these dreams take flight. Raise them to reach for their dream start.

"Let’s make your kids dreams work”
“Create passport of future for your child as Better tomorrow belongs to the people who prepare for it today.”

When you need to make a decision about child’s future, don’t let emotions vote. Select the products which are specially made for children. As Good investment may secure your child future. Be an early & wise bird as it will protect their future generation.

Do what is right not what is easy.

Portfolio & Wealth Management

Whatever your destination we help you to get there faster & Safer.

What is Wealth? It’s your Money, your financial independence, increasing your income and so many faces for wealth. What will you become by achieving this rich or Wealthy?

For you both are same. Wait…..this is not a same but not a similar also. Being Rich is just creating wealth but wealthy is a person who create a wealth as well as he preserves a wealth to achieve a dream as well as to help others in achieving their dream.

Being Rich is having MONEY…Being wealthy is Preserving MONEY.

Focus on your goal every day in every season

Being wealthy requires your money should consistently work for you and “BEST RETURNS” is the measure of how effectively your money is working”.

Declines are temporary & Uptrend is permanent. Keep repeating this during corrections and bear markets. Temporary declines are not losses unless you sell due to panic. Fall is the right time to invest.

Best is not always best as better will replace best. Don’t be afraid to fall. You may lose something but you may gain something great.