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Life Insurance

Assure your loved ones in the case of loss of life, or create a pension to sweeten your senior years.

Whether you are looking for permanent life insurance, term assurance or a pension plan, life insurance is a vital investment in today’s society.

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Life insurance policies are generally categorized into traditional plans and Unit Linked Insurance Plans (ULIPs). With traditional plans, the insured person will always know what amount of money his family will get in the event of his death or serious illness. No matter if it is a term life product with limited time scope or a whole life product that lasts the entire lifespan.

With ULIPs, the policy holder allows the insurance company to invest his premium in the equities markets. If the investment pays off, the policy will be more worth in the event of his death or if it is an endowment plan with maturity that pays out as pension or savings.

There are many terms used in connection with life insurance, and some of them can be complicated. The Life Insurance Council has created a useful insurance glossary.

Below is an overview of insurance companies offering life insurance. You can also buy insurance cover from agents (representing a specific insurance company) or brokers (offering products from all insurers). The Insurance Brokers Association of India has a list of licensed insurance brokers.

Insurance prices are difficult to compare directly as the individual covers often vary a lot. For information about premiums and how to get an insurance quote, please click on the insurer’s name to go to the specific product page at their website.