What is Life insurance?

Death can be a source of loss in two ways. The first one is a direct emotional loss and the other is the loss of income arising as a result of premature death of the breadwinner of the family. Life Insurance is designed mainly to protect the beneficiaries’ standard of living and providing for payment of immediate and future financial obligations of the family. We need life insurance if our financial obligations at the time of death exceed our financial assets. For example, Life Insurance is required in all the following cases where the individual:

  • Is married and has a dependent spouse
  • Has dependent children
  • Has ageing parent(s) and/or dependent siblings
  • Has low retirement savings and pension which won’t be enough for the surviving spouse in future
  • Owns a business which is a partnership
  • Have a substantial debt / financial obligation for which another person would be legally responsible after death.

The downside to not buying Life Insurance would be that the individual’s family might have to suffer a financial setback and may have to sacrifice some life goals without the regular income of the breadwinner to support them.

Why consult us?

We are an independent and unbiased advisory provider, suggesting products and services that are best suited for you.

Our knowledge and experience of the last 10 years in the field of insurance is not only limited to sale of insurance policies, but rather we go beyond that and assist our clients in claims processing and standing besides them in their hour of need.

We are IRDA approved and we have a track record of ethical dealings for the last several years and have had the honour of helping our clients achieve their financial objectives.

Insurance plans are available for

  • Protection
  • Children’s Education & Marriage
  • Investment
  • Retirement
  • Health
  • Business Protection
  • Hindu Undivided Family
  • Few Points
    • Charitable Institution’ to mean a Company registered under Section 25 of the Indian Companies Act 1956 or
    • An institution which has obtained a Certificate of Registration as a charitable institution in accordance with a law in force; or
    • Any institution which has obtained a certificate from Income Tax Authority for the purpose of Section 80G of the Income Tax Act, 1961.

General Insurance

Health Insurance

Healthcare costs are high and are rising day by day. In case of a medical emergency, the cost of treatment cannot be predicted and can well be beyond control. Health insurance can take care of expenses arising as a result of hospitalization, surgery, critical illness, day-care procedures, emergency ambulance services and also OPD consultations.

  • Individual and Group- Ordinary and Floater Health Insurance Policy
  • Reimbursement, Defined Benefit and Top-Up Cover plans available
  • Cashless hospitalization benefits in more than 1400 hospitals across India.
  • Reimbursement of expenses during 60 days prior (Pre- Hospitalization) and 90 days (Post- Hospitalization) after hospitalization.
  • 130 day-care procedures that require less than 24 hours hospitalization covered
  • Reimbursement of expenses incurred on ambulance services to the nearest hospital where Emergency Health facilities are available

Motor Insurance

  • Protection from a financial loss arising out of loss or damage to your vehicle.
  • Protection from liability towards third parties for personal injury.
  • Protection death and property damage on account of any accident involving your vehicle.
  • Cashless Claims at over 1500 preferred garages and 75% on account payment when cashless not available
  • Towing facility in case of breakdown / accident 24×7 service by phone / online even on holidays
  • Transfer of existing No Claim Bonus from any insurer ranging from 20-50%

Personal Accident

An accident can occur at any time. And it could leave you with permanent or temporary disability, both of death of the breadwinner, which could affect your life and your family.

Apart from cover for life and injury, personal accident insurance offers other unique and unmatched features

  • Medical Expenses Reimbursement arising out of accident
  • Children’s Education Benefit
  • Hospital Confinement Benefit
  • Highest compensation of 125% of sum insured in case of total permanent disability

Travel Insurance – Individual, Corporate, Student, Senior Citizens

There’s a lot you’re exposed to while traveling abroad. And even though you’ve planned everything down to the smallest detail, there’s no telling when a calamity might strike. A sudden illness, loss of baggage, a financial emergency…. with Travel Health Insurance you can be sure you’re covered for a whole host of eventualities that may occur while traveling abroad.

Fire and Special Perils

Fire insurance policy is suitable for the owner of property, one who holds property in trust or in commission; individuals/financial institutions who have financial interest in the property. All immovable and movable property located at a particular premises such as buildings, plant and machinery, furniture, fixtures, fittings and other contents, stocks and stock in process along with goods held in trust or in commission including stocks at suppliers/ customer’s premises, machinery temporarily removed from the premises for repairs can be insured.

Corporate Insurance

You put your hard earned money into your business. We have a range of products to secure your business against all risks.

Complete Corporate Portfolio

Speciality Lines

In order to take care of special needs like Aviation, Marine Hull, Project Insurance, Freight Forwarders, Port Liabilities, and Film Insurance.

Your Employees

Your employees are your strength; you can take care of your employees with our Group policies like PA, Group HG, Group CI, and Group Travel.


Your office is a hive of activity. Major investment, time and effort go into building up your business. Our office package is the best way to protect your business.

Manufacturing Unit

While going about your daily business activities, dangers could be lurking close to you. Machinery breakdown, Fire, Earthquake, etc. could severely affect you.

Shop Insurance

As a shop owner, you constantly worry about the hazards your shop and the contents within are exposed to. A sudden crisis at your place – a theft, an employee’s infidelity, a fire accident, breakage of neon & Glow sign, Money in transit, counter or safe. That is why you need a protective cover like the one Shopkeeper’s Package policy offers. Taking care of your business is our business. And we do it well.

Householder Insurance

There is no place like ‘Home,’ it’s our most valued possession and our heaven on earth. But often our heaven is insecure with risks. We realize your needs and provide you with an Insurance policy specially designed to cover various risks and contingencies faced by householders under a single policy. It provides protection for property, your domestic and electronic appliances, interests of the Insured and his family members.

Speciality Lines

Insurance Covers for special events such as Wedding, Fashion Shows, Sports Tournaments, Musical Events, Award Ceremonies, Ganapati puja pandals are also available


Bond is a debt security, in which the authorized issuer owes the holders a debt and, depending on the terms of the bond, is obliged to pay interest (the coupon) to use and/or to repay the principal at a later date, termed maturity. A bond is a formal contract to repay borrowed money with interest at fixed intervals (ex semi annual, annual, sometimes monthly).

Bonds provide the borrower with external funds to finance long-term investments, or, in the case of government bonds, to finance current expenditure. Bonds and stocks are both securities, but the major difference between the two is that (capital) stockholders have an equity stake in the company (i.e., they are owners), whereas bondholders have a creditor stake in the company (i.e., they are lenders). Another difference is that bonds usually have a defined term, or maturity, after which the bond is redeemed, whereas stocks may be outstanding indefinitely.

Tax free bonds have emerged as a popular investment option due to the taxation benefits they offer. The interest income on these bonds, generally issued by government enterprises, is exempted from taxation.

The salient features of the tax-free bonds:

  • What are tax-free bonds: These bonds are mostly issued by government enterprises and pay a fixed coupon rate (interest rate). As the proceeds from the bonds are invested in infrastructure projects, they have a long-term maturity of typically 10, 15 or 20 years.
  • Tax benefits: The income by way of interest on tax-free bonds is fully exempted from income tax. The interest earned from these bonds does not form part of your total income. There is no deduction of tax at source (TDS) from the interest, which accrues to the bondholders. But remember that no tax deduction will be available for the invested amount.
  • Interest rate: The coupon (interest) rates of tax-free bonds are linked to the prevailing rates of government securities. So these bonds become attractive when the interest rates in the financial system are high.
  • Interest payment: The interest on these bonds is paid annually and credited directly in the bank account of the investor.
  • Tax free bonds vs bank fixed deposits (FDs): The interest earned on bank FDs and other normal bonds are added to the income of the investor and taxed as per the income-tax slabs. As interest earned from tax-free bonds are not taxed, investors in higher tax brackets mostly earn a better post-tax return than from FDs. But remember, the bank FDs score over tax-free bonds in terms of liquidity as these bonds have a longer maturity tenure.

The Bonds may be held by –

  • An individual, not being a Non-Resident Indian (NRI)
  • In his or her individual capacity, or
  • In an individual capacity on joint basis, or
  • In an individual capacity on anyone or survivor basis, or
  • On behalf of a minor as father/mother/legal guardian


Company Fixed deposits earn a fixed rate of return over a period of time. Financial institutions and Non-Banking Finance Companies (NBFCs) also accept such deposits. Deposits thus mobilized are governed by the Companies Act under Section 58A. These deposits are unsecured, and hence incase of any default by the company, the investor cannot sell the company to recover his capital, thus making it a risky option of investment. Company Fixed Deposits are adequate for regular income with the option to receive monthly, quarterly, half-yearly, and annual interest income. Moreover, the interest rates offered are higher than banks. Performance of the companies should be reviewed at maturity. This helps in deciding whether the deposit should be renewed or not. One should also keep track of these companies by checking their Balance Sheet, Share prices

The Fixed Deposit schemes are offered by

  • Manufacturing Companies
  • Government Companies
  • NBFC’s/ Housing Finance Companies

What is equity?

This question is running in every Indian investor’s mind. Why? Because equities have done very well in past 10, 20, 30 years but investors are not able to make money. What is equity – a share, market, a fund or an asset class? Yes! Full details relating to Equity will be explained to you and help you in creating wealth. So read it to understand the right meaning of equity & reap the benefit.

If as a Financial Advisor we ask you to invest in Equities or Equity oriented Mutual Fund, the typical reaction is – “We don’t want risk in our investment but we want decent returns too”. Equity has of high rate of return and its impact over long run. Even though equities share have given the wonderful returns over long run not only in India but world over, Indians are not really comfortable investing their money in equities. Less than 6% of their investments are into this asset class whether directly or indirectly.

Equities offer an opportunity for individuals to invest in companies that are listed on the stock exchange – NSE, BSE in India.

Equity as an investment option:

The moment you think of equity, the following questions would surely cross your mind: – “How are the markets doing?”, “which is the best company to invest in?”, “Since the markets are going down, should I start selling my equity investments?” etc.

Most of the people visualize “Equity Investment” as sitting in front of the trading screen watching business news channel and actively buying & selling stocks. The other form of equity investing is waiting for the “tips” or “insider information” to make a killing in the short run by investing into such companies.