Empowering Lives,
Ensuring Legacies: Your
Shield in Uncertain Times.

Secure your loved ones future effortlessly. Explore tailored life insurance plans at PrishaPolicy.

Endowment Insurance
Term Life Insurance
Unit Linked Plans
Whole Life Insurance
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What Would You Like to Protect Today?

Understanding Life Insurance

Life insurance is an agreement between the policy owner and the insurer, providing financial protection in the event of death or other specified events. It offers peace of mind and financial security to individuals and their families.

life insurance
life insurance

Tax Benefit

Section 80D, EEE, and 10D of the Income Tax Act provide tax benefits on premiums paid and benefits received under life insurance policies.

Why have Life Insurance

  • Protection: Safeguard your loved ones financially in case of unexpected events.
  • Liquidity: Provide immediate access to funds for expenses or emergencies.
  • Tax Relief: Enjoy tax benefits on premiums paid and benefits received.
  • Financial Security: Ensure a steady income or lump sum payout when needed.
life insurance

How to choose your plan?

Assess Your Coverage Needs

Begin by evaluating your financial responsibilities, including outstanding debts, future expenses such as education or mortgage payments, and the financial needs of your dependents. Determine the amount of coverage required to adequately protect your loved ones in case of unforeseen events.

Understand Policy Features

Take the time to understand the features and terms of different life insurance policies available in the market. Compare factors such as premium amounts, coverage duration, payout options (e.g., lump sum or installment), and additional benefits or riders offered (e.g., critical illness coverage, accidental death benefit).

Check Claim Settlement Record

Look for insurers with a high claim settlement ratio, indicating their reliability in honoring claims and providing timely payouts to policyholders. A strong track record in this regard ensures that your beneficiaries will receive the financial support they need when the time comes.

Assess Insurer's Financial Stability

Check their credit ratings from reputable agencies to ensure they have the resources to fulfill their obligations over the long term. A financially stable insurer provides assurance that your policy benefits will be secure and paid out as promised, offering peace of mind to you and your loved ones.

Different Types of Life Insurance?

While third-party coverage is essential for driving, it is not enough. Comprehensive coverage includes
protection from both natural and man-made disasters like storms, earthquakes, theft, and mob unrest. Also,
check for cashless facilities in these plans or the ease of not paying money upfront.

Term Life Insurance

Endowment Insurance

More than just a policy, it's a promise. Embrace the journey of protection and prosperity, as each premium payment paves the way for a brighter future, securing your dreams with every contribution.

Permanent/Whole Life Insurance

Unit Linked Plans

Why Choose PrishaPolicy

5 Reasons why you should choose us to be your policy issuing partner of choice. Allow us to tell you why we are one of the fastest growing insurance brokers.

Customer-Centric Culture

For us, you always come first. Our products and services are designed to find the best coverage for all.

A Decade of Market Leadership

Our teams expertise and experience makes them the perfect guides in choosing a policy that fits your needs.

Reliable and Consistent

Rest assured that everything will be taken care of without a glitch. From shortlisting to claims processing & delivering promises without a hitch.

Guided Policy Assistance

Our experts are forever ready to assist you through each policy detail with a fine-tooth comb.

Claims Assistance

Our DNA prompts - Sales is incomplete without timely support. From start to end, we facilitate smooth processing from lodging to settlement.

Still Thinking About It?

Get on a call with us. We take pride in being associated with you for competitively managing your risks with the best insurance covers and delivering a stress-free experience.

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Questions You Might Have

How much life insurance coverage do I need?

The coverage amount depends on factors like your age, income, liabilities, future financial goals, and your family's needs. A general rule of thumb is to opt for coverage that's at least 10 times your annual income. However, it's best to consult with a financial advisor for a personalized assessment.

What factors should I consider when choosing a life insurance policy?

Evaluate factors like premium affordability, coverage duration, payout options (e.g., lump sum or installments), additional benefits or riders (e.g., critical illness coverage), claim settlement ratio, and the insurer's financial stability. Choose a policy that aligns with your needs and financial goals.

How can I assess the reliability of an insurance company?

Research the insurer's claim settlement ratio, which indicates the percentage of claims settled against the total received. Additionally, check the insurer's financial strength ratings from agencies like ICRA, CRISIL, or CARE. This ensures the insurer can honor its commitments over the long term.

What documents are required to purchase life insurance?

Typically, you'll need identity proof (e.g., Aadhaar card, passport), address proof (e.g., utility bills, rental agreement), income proof (e.g., salary slips, ITR), and recent passport-sized photographs. Additionally, fill out the proposal form accurately, providing all necessary information truthfully.