F.A.Q.
Most Discussed Questions
What is Life Insurance?
How are premiums calculated?
What’s the claims process?
What are deductibles and exclusions?
Is health, auto, home, or life insurance necessary?
Do I have different options to pay my premium?
What is SIP (Systematic Investment Plan)?
A systematic investment plan, or SIP, is a methodical approach to investing in mutual funds that involves making specified monthly contributions rather than a single, large investment.
Like when you put money into a recurring deposit each month, it’s like a “savings habit” for investing.
Invest ₹5,000 every month in a mutual fund through SIP.
- When the market is down → NAV is low → You get more units.
- When the market is up → NAV is high → You get fewer units.
- Over time, your average purchase cost evens out, reducing risk.
- Invest ₹5,000/month for 20 years
- Expected return: 12% per year
- Final corpus: ₹49.8 Lakhs
General Questions
Life insurance policy is a contract between an individual and an insurance provider, in which the insurance company gives financial protection to the policyholder in exchange for monthly fee (known as premiums).
Risk factors such as age, health, geography, type of coverage, deductible, claims history, and credit score (in certain areas) are taken into account when determining insurance prices. In order to calculate the probability of a claim and adjust rates appropriately, insurers employ statistical data and risk assessment algorithms. Premiums are typically greater for higher risk.
Notify your insurance company of the occurrence, provide supporting paperwork, and fill out claim forms. The insurer examines, evaluates damages, confirms coverage, and then decides whether to accept or reject the claim. You get paid according to the conditions of the policy if you are accepted.
The amount you must pay out of pocket before your insurance coverage begins is known as your deductible. Exclusions are particular circumstances or things that your policy does not cover, including as pre-existing conditions or specific types of harm.
Yes, these insurances are necessary: life ensures financial assistance for dependents, house protects property, auto protects against accidents, and health pays medical expenses. Each offers financial support and aids in risk management.
Yes, there are multiple options available for you to pay your premiums. You can pay your premiums monthly, quarterly, half-yearly or yearly. You can also pay it in one flat rate.
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Motor Insurance
Which type of car insurance is best?
Are theft and fire covered under third-party insurance?
What are the factors one should look at while choosing the plan?
What is the definition of third party or TP amount?
Can a customer take unlimited claims under zero dep?
How to download the policy PDF?
General Questions
Comprehensive insurance is considered the best, as it provides complete protection. It covers both third-party liabilities as well as damages to your vehicle.
Theft and fire damages to the insured car are not covered under third party insurance plans.
Motor Insurance is very simple.
- Always look at buying regular coverage or Zero Depreciation covers.
- Look at car value to be insured. Most insurers use standard formulas – also called Insured Declared Value. This is the value for which your insurance is valid.
- The actual Premiums vary from company to company – but the coverage is standard and exactly the same. So going for the cheaper option is always sensible.
Third Party is a component of Motor Vehicle Insurance wherein the Third Party is insured for Damages occurring due to accident caused by Vehicle owner
Zero dep claims vary from insurer to insurer . It can vary from two claims to an unlimited number of claims depending on the insurance company
Policy copy can be downloaded post payment page
Types of Our Service
Health Insurance is a type of insurance that covers your medical expenses. Health insurance offers you financial security when you’re ill or hurt, giving you and your loved ones peace of mind and stability.
Mutual funds pool money from investors to buy stocks, bonds, or other assets. They offer diversification and professional management and are ideal for long-term wealth creation. Perfect for beginners and experienced investors alike.
General insurance provides financial protection against unexpected losses from accidents, natural disasters, theft, or liability. It includes vehicle, home, health, and travel insurance, helping individuals and businesses manage risks and recover quickly from unforeseen events.
Fixed deposits are safe investment options where you deposit a sum for a fixed term at a set interest rate. They offer guaranteed returns, low risk, and are ideal for conservative investors seeking steady income with capital protection.
ULIP plans that combine investment growth with life protection. These plans come with benefits like flexible premium payments.
Personal Accident Insurance offers financial compensation in the event of bodily injuries leading to total/partial disability or death caused due to accidents. This policy ensures the financial stability of an individual and his family if he/she gets injured or unfortunately dies in an accident.
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