Life Insurance
Life insurance is a crucial financial tool that ensures your family’s financial security in case of unforeseen circumstances. It provides a lump-sum payout to your beneficiaries in the event of your passing, helping them manage expenses, loans, and future financial goals. We help you compare life insurance plans from different insurers and choose one that suits your needs and budget.
Features & Benefits of Life Insurance
• Financial Security: Protects your family’s future in case of an unexpected loss.
• Tax Benefits: Premiums may qualify for a deduction under Section 80C, and maturity or death proceeds may be exempt under Section 10(10D). Conditions and limits apply, and the old tax regime is required for 80C.
• Wealth Creation: Some plans offer investment benefits along with life cover.
• Loan Facility: Avail loans against certain life insurance policies.
• Flexible Premium Payment: Monthly, quarterly, or yearly payment options.
• Maturity Benefits: Get a lump-sum payout at the end of the policy term for specific plans.
Why Do You Need Life Insurance?
• Income Protection: Ensures your family’s financial security in your absence.
• Debt Repayment: Helps cover loans such as home loans, car loans, and personal loans.
• Child’s Future Planning: Funds for your child’s education and marriage.
• Retirement Planning: Some policies provide a steady income post-retirement.
• Tax-Saving Benefits: Tax benefits may be available, subject to current tax rules.
Types of Life Insurance Plans We Offer
• Term Life Insurance – Pure life cover, usually at lower premiums than savings plans.
• Whole Life Insurance – Lifetime coverage with savings benefits.
• Endowment Plans – Life cover plus savings. Some plans give guaranteed benefits, as stated in the policy document.
• Money-Back Policy – Periodic payouts during the policy term.
• Child Insurance Plans – Secure your child’s education and future.
• Retirement/Pension Plans – Helps you plan for a stress-free retirement.
• ULIPs (Unit Linked Insurance Plans) – Insurance with market-linked investment. Returns are not guaranteed and the investment risk is borne by the policyholder..
Eligibility Criteria
• Age: 18 to 60 years (varies by policy type).
• Policy Term: 5 to 40 years (depending on the plan).
• Medical Checkup: May be required based on age and sum assured.
Documents Required
• KYC Documents: Aadhaar Card, PAN Card.
• Income Proof: Salary slips, ITR for high sum assured plans.
• Medical History: May be required for certain policies.
• Proposal Form: A duly filled application for insurance coverage.
Why Choose Us?
• Personalised Insurance Solutions – Choose a plan based on your needs.
• Compare & Select from Top Insurers – Compare plans from several insurers.
• Guided Policy Issuance – Help with the proposal and paperless documentation.
• Dedicated Claim Assistance – Support in filing and settling insurance claims.
• Options for Different Budgets – Plans across a range of budgets.
Insurance is the subject matter of solicitation. Rovian helps you compare and apply for insurance products offered by insurers. Benefits, premiums, exclusions and claim settlement are as per the insurer’s policy document. Please read the policy wording carefully before buying. Tax benefits are subject to current law and may change.
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