Get Life Insurance Proposals
Upto 5 providers will offer you alternative proposals based on May 2012 premiums

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Prefered Insurance Cos:
  •  Any 5
  •  I PRU LIFE
  •  AEGON RELIGARE
  •  LIC
  •  BAJAJ ALLIANZ
  •  KOTAK
  •  HDFC
  •  SBI
  •  MAX NEW YORK
  •  BIRLA SUN
  •  METLIFE
  •  TATA AIG

 

 

 

 

 

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A life insurance cover helps you secure the financial future of everyone dependent on your income in the event of your death. Nobody can help overcome the loss of a dear one, but imagine that along with this loss the surviving members of the family are hard-pressed to maintain their lifestyles because they were partially or fully dependent on the income of the deceased. Getting an adequate life cover is absolutely essential if the sum of the total value of your assets (other than the home you stay in) less your total liabilities (including any home loan, car loan or personal loan you might have outstanding) is less than 150 times your current monthly expenses. The shortfall would be the recommended amount of life cover you should seek. At ApnaPaisa, we help you reach out to a maximum of 5 service providers who will propose alternative plans that you can compare based on:


  • Life Cover (also known as Sum Assured)
  • Annual Premium
  • Additional Riders Offered

Often customers get lured into combining their life cover requirements with an investment objective. We do not recommend this approach because it is always a lot more affordable to opt for a term insurance policy and invest the savings on the annual premium into any savings instrument of your choice - be it PPF, Fixed Deposits, Mutual Funds or even shares.


 

HDFC Standard Life Insurance Co. Ltd

HDFC Standard Life Insurance Company Ltd. is a joint venture between Housing Development Finance Corporation Limited (HDFC Ltd.), India's leading housing finance institution and Standard Life, UK.

HDFC Standard Life's product portfolio covers a wide range from individual to group products, rural, and social products. The insurance plans can be easily customized to specific needs. The website has all the details on all policies in easily-downloaded pdf files to facilitate easy access.

Up until 31 March 2008, HDFC Life had covered close to 10 lakh lives.

 

7 Insurance product available
Term Insurance
  • Pure risk cover plan with no survival benefit
  • Protection tool against the uncertainties of life
  • Cheapest life insurance product
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Children Plan
  • Tool to plan for children's needs in the future - education, wedding etc.
  • Tool to ensure children's future plans are not compromised in the event of parent/guardian's death
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Pension
  • Provides for stable income in post-work life
  • Helps policy holder to remain financially independent post-retirement
  • Tool for systematic retirement planning
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ULIP Insurance
  • Protection tool with an investment option attached
  • Policy holder can choose from funds such as equity, debt, bonds, or a combination
  • Insurers offer partial withdrawals options
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    Health Insurance
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    Whole Life Insurance
    • Provides financial cover against death through out the life time of the insured
    • Estate tool for legal heirs
    • Sum assured paid on death of the insured or on if the insured survives a pre-determined age
    • Policy holder not entitled to any payout during the tenure of the policy
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    Endowment Insurance
  • Protection tool with savings option
  • Sum assured plus bonus accrued paid in the event of death of the insured or at maturity
  • With-profits plan that participates in the profits of insurer's life insurance business
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