Life Insurance

Long-term financial protection & wealth-building plans backed by regulated insurers and bancassurance partners.

Overview

What is Life Insurance?

Life Insurance provides a financial payout to nominees on the insured’s death; several plans also offer maturity benefits and long-term savings/investment components.

Policy Types

Term, Endowment, ULIP, Pension & Child Plans

Tenure

Short-term to lifelong (depending on plan)

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Types

Term Insurance (pure protection)
Endowment Policies
Unit Linked Insurance Plans (ULIPs)
Pension / Annuity Products

Key Benefits

Financial security for dependents
Tax advantages under Section 80C/10(10D) (subject to rules)
Investment growth (ULIP / Endowment)
Flexible riders (critical illness, accidental death)

Eligibility

Who can apply?

Individuals, usually aged 18–65 (varies by product); underwriting may require medicals for higher sums insured.

General

Resident individual with valid KYC
Age & health determine premium & underwriting
Sum insured & policy term per requirement

Medicals & Underwriting

Small sums: simplified underwriting
Large sums: medical tests and history required
Pre-existing conditions subject to exclusions/waiting periods

Documents & Claims

Documents & Claim Process

Typical documentation & general claim flow used by regulated life insurers and bancassurance partners.

Documents

KYC: PAN, Aadhaar, Address proof
Age & identity proof
Proposal form & nomination details
Medical reports (if required)

Claim Process

Notify insurer & submit claim form
Provide death certificate / medical records (as applicable)
Insurer investigates & processes per policy terms
Settlement to nominee per policy conditions

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