प्राय सोधिने प्रश्नहरु

Life Insurance is a contract between Insured (Policyholder) and Insurer (Insurance Company) in which upon payment of premium by the Insured, Insurance Company guarantees to compensate for financial loss due to death, disability or illness that occurs during specific term period as specified in the contract.

Basically there are two types of Life Insurance Product: Participating Product:  This type of product provides savings, returns and security benefits. Under this product company pays the Sum Assured plus bonus at the time of death or at maturity of the policy. Whole Life, Endowment, Money Back, Child Endowment plan, Endowment cum Whole life, Group Endowment fall in this type of Life Insurance Product. Non-Participating Product:  This type of product provides only security (risk) benefits. Under this product company pays the Sum Assured at the time of death of insured. Term Life Insurance, Group Term Life Insurance, Micro Term Life Insurance falls in this type of Life Insurance Product.Basically there are two types of Life Insurance Product: Participating Product:  This type of product provides savings, returns and security benefits. Under this product company pays the Sum Assured plus bonus at the time of death or at maturity of the policy. Whole Life, Endowment, Money Back, Child Endowment plan, Endowment cum Whole life, Group Endowment fall in this type of Life Insurance Product. Non-Participating Product:  This type of product provides only security (risk) benefits. Under this product company pays the Sum Assured at the time of death of insured. Term Life Insurance, Group Term Life Insurance, Micro Term Life Insurance falls in this type of Life Insurance Product.Basically there are two types of Life Insurance Product: Participating Product:  This type of product provides savings, returns and security benefits. Under this product company pays the Sum Assured plus bonus at the time of death or at maturity of the policy. Whole Life, Endowment, Money Back, Child Endowment plan, Endowment cum Whole life, Group Endowment fall in this type of Life Insurance Product. Non-Participating Product:  This type of product provides only security (risk) benefits. Under this product company pays the Sum Assured at the time of death of insured. Term Life Insurance, Group Term Life Insurance, Micro Term Life Insurance falls in this type of Life Insurance Product.Basically there are two types of Life Insurance Product: Participating Product:  This type of product provides savings, returns and security benefits. Under this product company pays the Sum Assured plus bonus at the time of death or at maturity of the policy. Whole Life, Endowment, Money Back, Child Endowment plan, Endowment cum Whole life, Group Endowment fall in this type of Life Insurance Product. Non-Participating Product:  This type of product provides only security (risk) benefits. Under this product company pays the Sum Assured at the time of death of insured. Term Life Insurance, Group Term Life Insurance, Micro Term Life Insurance falls in this type of Life Insurance Product.Basically there are two types of Life Insurance Product: Participating Product:  This type of product provides savings, returns and security benefits. Under this product company pays the Sum Assured plus bonus at the time of death or at maturity of the policy. Whole Life, Endowment, Money Back, Child Endowment plan, Endowment cum Whole life, Group Endowment fall in this type of Life Insurance Product. Non-Participating Product:  This type of product provides only security (risk) benefits. Under this product company pays the Sum Assured at the time of death of insured. Term Life Insurance, Group Term Life Insurance, Micro Term Life Insurance falls in this type of Life Insurance Product.Basically there are two types of Life Insurance Product: Participating Product:  This type of product provides savings, returns and security benefits. Under this product company pays the Sum Assured plus bonus at the time of death or at maturity of the policy. Whole Life, Endowment, Money Back, Child Endowment plan, Endowment cum Whole life, Group Endowment fall in this type of Life Insurance Product. Non-Participating Product:  This type of product provides only security (risk) benefits. Under this product company pays the Sum Assured at the time of death of insured. Term Life Insurance, Group Term Life Insurance, Micro Term Life Insurance falls in this type of Life Insurance Product.Basically there are two types of Life Insurance Product: Participating Product:  This type of product provides savings, returns and security benefits. Under this product company pays the Sum Assured plus bonus at the time of death or at maturity of the policy. Whole Life, Endowment, Money Back, Child Endowment plan, Endowment cum Whole life, Group Endowment fall in this type of Life Insurance Product. Non-Participating Product:  This type of product provides only security (risk) benefits. Under this product company pays the Sum Assured at the time of death of insured. Term Life Insurance, Group Term Life Insurance, Micro Term Life Insurance falls in this type of Life Insurance Product.Basically there are two types of Life Insurance Product: Participating Product:  This type of product provides savings, returns and security benefits. Under this product company pays the Sum Assured plus bonus at the time of death or at maturity of the policy. Whole Life, Endowment, Money Back, Child Endowment plan, Endowment cum Whole life, Group Endowment fall in this type of Life Insurance Product. Non-Participating Product:  This type of product provides only security (risk) benefits. Under this product company pays the Sum Assured at the time of death of insured. Term Life Insurance, Group Term Life Insurance, Micro Term Life Insurance falls in this type of Life Insurance Product.Basically there are two types of Life Insurance Product: Participating Product:  This type of product provides savings, returns and security benefits. Under this product company pays the Sum Assured plus bonus at the time of death or at maturity of the policy. Whole Life, Endowment, Money Back, Child Endowment plan, Endowment cum Whole life, Group Endowment fall in this type of Life Insurance Product. Non-Participating Product:  This type of product provides only security (risk) benefits. Under this product company pays the Sum Assured at the time of death of insured. Term Life Insurance, Group Term Life Insurance, Micro Term Life Insurance falls in this type of Life Insurance Product.Basically there are two types of Life Insurance Product: Participating Product:  This type of product provides savings, returns and security benefits. Under this product company pays the Sum Assured plus bonus at the time of death or at maturity of the policy. Whole Life, Endowment, Money Back, Child Endowment plan, Endowment cum Whole life, Group Endowment fall in this type of Life Insurance Product. Non-Participating Product:  This type of product provides only security (risk) benefits. Under this product company pays the Sum Assured at the time of death of insured. Term Life Insurance, Group Term Life Insurance, Micro Term Life Insurance falls in this type of Life Insurance Product.Basically there are two types of Life Insurance Product: Participating Product:  This type of product provides savings, returns and security benefits. Under this product company pays the Sum Assured plus bonus at the time of death or at maturity of the policy. Whole Life, Endowment, Money Back, Child Endowment plan, Endowment cum Whole life, Group Endowment fall in this type of Life Insurance Product. Non-Participating Product:  This type of product provides only security (risk) benefits. Under this product company pays the Sum Assured at the time of death of insured. Term Life Insurance, Group Term Life Insurance, Micro Term Life Insurance falls in this type of Life Insurance Product.Basically there are two types of Life Insurance Product: Participating Product:  This type of product provides savings, returns and security benefits. Under this product company pays the Sum Assured plus bonus at the time of death or at maturity of the policy. Whole Life, Endowment, Money Back, Child Endowment plan, Endowment cum Whole life, Group Endowment fall in this type of Life Insurance Product. Non-Participating Product:  This type of product provides only security (risk) benefits. Under this product company pays the Sum Assured at the time of death of insured. Term Life Insurance, Group Term Life Insurance, Micro Term Life Insurance falls in this type of Life Insurance Product.Basically there are two types of Life Insurance Product: Participating Product:  This type of product provides savings, returns and security benefits. Under this product company pays the Sum Assured plus bonus at the time of death or at maturity of the policy. Whole Life, Endowment, Money Back, Child Endowment plan, Endowment cum Whole life, Group Endowment fall in this type of Life Insurance Product. Non-Participating Product:  This type of product provides only security (risk) benefits. Under this product company pays the Sum Assured at the time of death of insured. Term Life Insurance, Group Term Life Insurance, Micro Term Life Insurance falls in this type of Life Insurance Product.Basically there are two types of Life Insurance Product: Participating Product:  This type of product provides savings, returns and security benefits. Under this product company pays the Sum Assured plus bonus at the time of death or at maturity of the policy. Whole Life, Endowment, Money Back, Child Endowment plan, Endowment cum Whole life, Group Endowment fall in this type of Life Insurance Product. Non-Participating Product:  This type of product provides only security (risk) benefits. Under this product company pays the Sum Assured at the time of death of insured. Term Life Insurance, Group Term Life Insurance, Micro Term Life Insurance falls in this type of Life Insurance Product.Basically there are two types of Life Insurance Product: Participating Product:  This type of product provides savings, returns and security benefits. Under this product company pays the Sum Assured plus bonus at the time of death or at maturity of the policy. Whole Life, Endowment, Money Back, Child Endowment plan, Endowment cum Whole life, Group Endowment fall in this type of Life Insurance Product. Non-Participating Product:  This type of product provides only security (risk) benefits. Under this product company pays the Sum Assured at the time of death of insured. Term Life Insurance, Group Term Life Insurance, Micro Term Life Insurance falls in this type of Life Insurance Product.Basically there are two types of Life Insurance Product: Participating Product:  This type of product provides savings, returns and security benefits. Under this product company pays the Sum Assured plus bonus at the time of death or at maturity of the policy. Whole Life, Endowment, Money Back, Child Endowment plan, Endowment cum Whole life, Group Endowment fall in this type of Life Insurance Product. Non-Participating Product:  This type of product provides only security (risk) benefits. Under this product company pays the Sum Assured at the time of death of insured. Term Life Insurance, Group Term Life Insurance, Micro Term Life Insurance falls in this type of Life Insurance Product.

Key factors that one should do Life Insurance can be summarized by following points:

  • Financial Protection to you and your family in case of your death, disability and/or illness.
  • Saving with good return for your future and for retirement planning.
  • Tax Saving.
  • Financial planning and diversification of investment.

Key factors that one should do Life Insurance can be summarized by following points:

  • Financial Protection to you and your family in case of your death, disability and/or illness.
  • Saving with good return for your future and for retirement planning.
  • Tax Saving.
  • Financial planning and diversification of investment.

Key factors that one should do Life Insurance can be summarized by following points:

  • Financial Protection to you and your family in case of your death, disability and/or illness.
  • Saving with good return for your future and for retirement planning.
  • Tax Saving.
  • Financial planning and diversification of investment.

Key factors that one should do Life Insurance can be summarized by following points:

  • Financial Protection to you and your family in case of your death, disability and/or illness.
  • Saving with good return for your future and for retirement planning.
  • Tax Saving.
  • Financial planning and diversification of investment.

Key factors that one should do Life Insurance can be summarized by following points:

  • Financial Protection to you and your family in case of your death, disability and/or illness.
  • Saving with good return for your future and for retirement planning.
  • Tax Saving.
  • Financial planning and diversification of investment.

Key factors that one should do Life Insurance can be summarized by following points:

  • Financial Protection to you and your family in case of your death, disability and/or illness.
  • Saving with good return for your future and for retirement planning.
  • Tax Saving.
  • Financial planning and diversification of investment.

Key factors that one should do Life Insurance can be summarized by following points:

  • Financial Protection to you and your family in case of your death, disability and/or illness.
  • Saving with good return for your future and for retirement planning.
  • Tax Saving.
  • Financial planning and diversification of investment.

Key factors that one should do Life Insurance can be summarized by following points:

  • Financial Protection to you and your family in case of your death, disability and/or illness.
  • Saving with good return for your future and for retirement planning.
  • Tax Saving.
  • Financial planning and diversification of investment.

Key factors that one should do Life Insurance can be summarized by following points:

  • Financial Protection to you and your family in case of your death, disability and/or illness.
  • Saving with good return for your future and for retirement planning.
  • Tax Saving.
  • Financial planning and diversification of investment.

Key factors that one should do Life Insurance can be summarized by following points:

  • Financial Protection to you and your family in case of your death, disability and/or illness.
  • Saving with good return for your future and for retirement planning.
  • Tax Saving.
  • Financial planning and diversification of investment.

Key factors that one should do Life Insurance can be summarized by following points:

  • Financial Protection to you and your family in case of your death, disability and/or illness.
  • Saving with good return for your future and for retirement planning.
  • Tax Saving.
  • Financial planning and diversification of investment.

Key factors that one should do Life Insurance can be summarized by following points:

  • Financial Protection to you and your family in case of your death, disability and/or illness.
  • Saving with good return for your future and for retirement planning.
  • Tax Saving.
  • Financial planning and diversification of investment.

Key factors that one should do Life Insurance can be summarized by following points:

  • Financial Protection to you and your family in case of your death, disability and/or illness.
  • Saving with good return for your future and for retirement planning.
  • Tax Saving.
  • Financial planning and diversification of investment.

Key factors that one should do Life Insurance can be summarized by following points:

  • Financial Protection to you and your family in case of your death, disability and/or illness.
  • Saving with good return for your future and for retirement planning.
  • Tax Saving.
  • Financial planning and diversification of investment.

Key factors that one should do Life Insurance can be summarized by following points:

  • Financial Protection to you and your family in case of your death, disability and/or illness.
  • Saving with good return for your future and for retirement planning.
  • Tax Saving.
  • Financial planning and diversification of investment.

Key factors that one should do Life Insurance can be summarized by following points:

  • Financial Protection to you and your family in case of your death, disability and/or illness.
  • Saving with good return for your future and for retirement planning.
  • Tax Saving.
  • Financial planning and diversification of investment.

Group Insurance is an insurance policy which provides Insurance coverage for a group of people under a single insurance contract. It is an appropriate plan for the employers to extend insurance coverage on the life of its employees at a nominal premium.Group Insurance is an insurance policy which provides Insurance coverage for a group of people under a single insurance contract. It is an appropriate plan for the employers to extend insurance coverage on the life of its employees at a nominal premium.Group Insurance is an insurance policy which provides Insurance coverage for a group of people under a single insurance contract. It is an appropriate plan for the employers to extend insurance coverage on the life of its employees at a nominal premium.Group Insurance is an insurance policy which provides Insurance coverage for a group of people under a single insurance contract. It is an appropriate plan for the employers to extend insurance coverage on the life of its employees at a nominal premium.Group Insurance is an insurance policy which provides Insurance coverage for a group of people under a single insurance contract. It is an appropriate plan for the employers to extend insurance coverage on the life of its employees at a nominal premium.Group Insurance is an insurance policy which provides Insurance coverage for a group of people under a single insurance contract. It is an appropriate plan for the employers to extend insurance coverage on the life of its employees at a nominal premium.Group Insurance is an insurance policy which provides Insurance coverage for a group of people under a single insurance contract. It is an appropriate plan for the employers to extend insurance coverage on the life of its employees at a nominal premium.Group Insurance is an insurance policy which provides Insurance coverage for a group of people under a single insurance contract. It is an appropriate plan for the employers to extend insurance coverage on the life of its employees at a nominal premium.Group Insurance is an insurance policy which provides Insurance coverage for a group of people under a single insurance contract. It is an appropriate plan for the employers to extend insurance coverage on the life of its employees at a nominal premium.Group Insurance is an insurance policy which provides Insurance coverage for a group of people under a single insurance contract. It is an appropriate plan for the employers to extend insurance coverage on the life of its employees at a nominal premium.Group Insurance is an insurance policy which provides Insurance coverage for a group of people under a single insurance contract. It is an appropriate plan for the employers to extend insurance coverage on the life of its employees at a nominal premium.Group Insurance is an insurance policy which provides Insurance coverage for a group of people under a single insurance contract. It is an appropriate plan for the employers to extend insurance coverage on the life of its employees at a nominal premium.Group Insurance is an insurance policy which provides Insurance coverage for a group of people under a single insurance contract. It is an appropriate plan for the employers to extend insurance coverage on the life of its employees at a nominal premium.Group Insurance is an insurance policy which provides Insurance coverage for a group of people under a single insurance contract. It is an appropriate plan for the employers to extend insurance coverage on the life of its employees at a nominal premium.Group Insurance is an insurance policy which provides Insurance coverage for a group of people under a single insurance contract. It is an appropriate plan for the employers to extend insurance coverage on the life of its employees at a nominal premium.Group Insurance is an insurance policy which provides Insurance coverage for a group of people under a single insurance contract. It is an appropriate plan for the employers to extend insurance coverage on the life of its employees at a nominal premium.

Anyone is eligible for Life Insurance. However there are certain discretion based on age, income, health and occupation.Anyone is eligible for Life Insurance. However there are certain discretion based on age, income, health and occupation.Anyone is eligible for Life Insurance. However there are certain discretion based on age, income, health and occupation.Anyone is eligible for Life Insurance. However there are certain discretion based on age, income, health and occupation.Anyone is eligible for Life Insurance. However there are certain discretion based on age, income, health and occupation.Anyone is eligible for Life Insurance. However there are certain discretion based on age, income, health and occupation.Anyone is eligible for Life Insurance. However there are certain discretion based on age, income, health and occupation.Anyone is eligible for Life Insurance. However there are certain discretion based on age, income, health and occupation.Anyone is eligible for Life Insurance. However there are certain discretion based on age, income, health and occupation.Anyone is eligible for Life Insurance. However there are certain discretion based on age, income, health and occupation.Anyone is eligible for Life Insurance. However there are certain discretion based on age, income, health and occupation.Anyone is eligible for Life Insurance. However there are certain discretion based on age, income, health and occupation.Anyone is eligible for Life Insurance. However there are certain discretion based on age, income, health and occupation.Anyone is eligible for Life Insurance. However there are certain discretion based on age, income, health and occupation.Anyone is eligible for Life Insurance. However there are certain discretion based on age, income, health and occupation.Anyone is eligible for Life Insurance. However there are certain discretion based on age, income, health and occupation.

To determine the insurance amount that you need, you must consider following factors:

  • Financial burden my family will have to bear in case of my absence?
  • My dependent’s age and how long will it take for them to be financially independent?
  • My family’s financial need for future period?
  • My financial need for my own retirement period?
  • Inflation and other economic indicators of the country.

Basically, Life Insurance protects you and your family for financial loss that may occur in case of your death, disability or certain life threatening illness as well as for your future savings. Therefore, your life insurance coverage can be based on your income. Normally, 15% to 20 % of your yearly income should be used as premium for life insurance and Sum Assured of can be determined accordingly.To determine the insurance amount that you need, you must consider following factors:

  • Financial burden my family will have to bear in case of my absence?
  • My dependent’s age and how long will it take for them to be financially independent?
  • My family’s financial need for future period?
  • My financial need for my own retirement period?
  • Inflation and other economic indicators of the country.

Basically, Life Insurance protects you and your family for financial loss that may occur in case of your death, disability or certain life threatening illness as well as for your future savings. Therefore, your life insurance coverage can be based on your income. Normally, 15% to 20 % of your yearly income should be used as premium for life insurance and Sum Assured of can be determined accordingly.To determine the insurance amount that you need, you must consider following factors:

  • Financial burden my family will have to bear in case of my absence?
  • My dependent’s age and how long will it take for them to be financially independent?
  • My family’s financial need for future period?
  • My financial need for my own retirement period?
  • Inflation and other economic indicators of the country.

Basically, Life Insurance protects you and your family for financial loss that may occur in case of your death, disability or certain life threatening illness as well as for your future savings. Therefore, your life insurance coverage can be based on your income. Normally, 15% to 20 % of your yearly income should be used as premium for life insurance and Sum Assured of can be determined accordingly.To determine the insurance amount that you need, you must consider following factors:

  • Financial burden my family will have to bear in case of my absence?
  • My dependent’s age and how long will it take for them to be financially independent?
  • My family’s financial need for future period?
  • My financial need for my own retirement period?
  • Inflation and other economic indicators of the country.

Basically, Life Insurance protects you and your family for financial loss that may occur in case of your death, disability or certain life threatening illness as well as for your future savings. Therefore, your life insurance coverage can be based on your income. Normally, 15% to 20 % of your yearly income should be used as premium for life insurance and Sum Assured of can be determined accordingly.To determine the insurance amount that you need, you must consider following factors:

  • Financial burden my family will have to bear in case of my absence?
  • My dependent’s age and how long will it take for them to be financially independent?
  • My family’s financial need for future period?
  • My financial need for my own retirement period?
  • Inflation and other economic indicators of the country.

Basically, Life Insurance protects you and your family for financial loss that may occur in case of your death, disability or certain life threatening illness as well as for your future savings. Therefore, your life insurance coverage can be based on your income. Normally, 15% to 20 % of your yearly income should be used as premium for life insurance and Sum Assured of can be determined accordingly.To determine the insurance amount that you need, you must consider following factors:

  • Financial burden my family will have to bear in case of my absence?
  • My dependent’s age and how long will it take for them to be financially independent?
  • My family’s financial need for future period?
  • My financial need for my own retirement period?
  • Inflation and other economic indicators of the country.

Basically, Life Insurance protects you and your family for financial loss that may occur in case of your death, disability or certain life threatening illness as well as for your future savings. Therefore, your life insurance coverage can be based on your income. Normally, 15% to 20 % of your yearly income should be used as premium for life insurance and Sum Assured of can be determined accordingly.To determine the insurance amount that you need, you must consider following factors:

  • Financial burden my family will have to bear in case of my absence?
  • My dependent’s age and how long will it take for them to be financially independent?
  • My family’s financial need for future period?
  • My financial need for my own retirement period?
  • Inflation and other economic indicators of the country.

Basically, Life Insurance protects you and your family for financial loss that may occur in case of your death, disability or certain life threatening illness as well as for your future savings. Therefore, your life insurance coverage can be based on your income. Normally, 15% to 20 % of your yearly income should be used as premium for life insurance and Sum Assured of can be determined accordingly.To determine the insurance amount that you need, you must consider following factors:

  • Financial burden my family will have to bear in case of my absence?
  • My dependent’s age and how long will it take for them to be financially independent?
  • My family’s financial need for future period?
  • My financial need for my own retirement period?
  • Inflation and other economic indicators of the country.

Basically, Life Insurance protects you and your family for financial loss that may occur in case of your death, disability or certain life threatening illness as well as for your future savings. Therefore, your life insurance coverage can be based on your income. Normally, 15% to 20 % of your yearly income should be used as premium for life insurance and Sum Assured of can be determined accordingly.To determine the insurance amount that you need, you must consider following factors:

  • Financial burden my family will have to bear in case of my absence?
  • My dependent’s age and how long will it take for them to be financially independent?
  • My family’s financial need for future period?
  • My financial need for my own retirement period?
  • Inflation and other economic indicators of the country.

Basically, Life Insurance protects you and your family for financial loss that may occur in case of your death, disability or certain life threatening illness as well as for your future savings. Therefore, your life insurance coverage can be based on your income. Normally, 15% to 20 % of your yearly income should be used as premium for life insurance and Sum Assured of can be determined accordingly.To determine the insurance amount that you need, you must consider following factors:

  • Financial burden my family will have to bear in case of my absence?
  • My dependent’s age and how long will it take for them to be financially independent?
  • My family’s financial need for future period?
  • My financial need for my own retirement period?
  • Inflation and other economic indicators of the country.

Basically, Life Insurance protects you and your family for financial loss that may occur in case of your death, disability or certain life threatening illness as well as for your future savings. Therefore, your life insurance coverage can be based on your income. Normally, 15% to 20 % of your yearly income should be used as premium for life insurance and Sum Assured of can be determined accordingly.To determine the insurance amount that you need, you must consider following factors:

  • Financial burden my family will have to bear in case of my absence?
  • My dependent’s age and how long will it take for them to be financially independent?
  • My family’s financial need for future period?
  • My financial need for my own retirement period?
  • Inflation and other economic indicators of the country.

Basically, Life Insurance protects you and your family for financial loss that may occur in case of your death, disability or certain life threatening illness as well as for your future savings. Therefore, your life insurance coverage can be based on your income. Normally, 15% to 20 % of your yearly income should be used as premium for life insurance and Sum Assured of can be determined accordingly.To determine the insurance amount that you need, you must consider following factors:

  • Financial burden my family will have to bear in case of my absence?
  • My dependent’s age and how long will it take for them to be financially independent?
  • My family’s financial need for future period?
  • My financial need for my own retirement period?
  • Inflation and other economic indicators of the country.

Basically, Life Insurance protects you and your family for financial loss that may occur in case of your death, disability or certain life threatening illness as well as for your future savings. Therefore, your life insurance coverage can be based on your income. Normally, 15% to 20 % of your yearly income should be used as premium for life insurance and Sum Assured of can be determined accordingly.To determine the insurance amount that you need, you must consider following factors:

  • Financial burden my family will have to bear in case of my absence?
  • My dependent’s age and how long will it take for them to be financially independent?
  • My family’s financial need for future period?
  • My financial need for my own retirement period?
  • Inflation and other economic indicators of the country.

Basically, Life Insurance protects you and your family for financial loss that may occur in case of your death, disability or certain life threatening illness as well as for your future savings. Therefore, your life insurance coverage can be based on your income. Normally, 15% to 20 % of your yearly income should be used as premium for life insurance and Sum Assured of can be determined accordingly.To determine the insurance amount that you need, you must consider following factors:

  • Financial burden my family will have to bear in case of my absence?
  • My dependent’s age and how long will it take for them to be financially independent?
  • My family’s financial need for future period?
  • My financial need for my own retirement period?
  • Inflation and other economic indicators of the country.

Basically, Life Insurance protects you and your family for financial loss that may occur in case of your death, disability or certain life threatening illness as well as for your future savings. Therefore, your life insurance coverage can be based on your income. Normally, 15% to 20 % of your yearly income should be used as premium for life insurance and Sum Assured of can be determined accordingly.To determine the insurance amount that you need, you must consider following factors:

  • Financial burden my family will have to bear in case of my absence?
  • My dependent’s age and how long will it take for them to be financially independent?
  • My family’s financial need for future period?
  • My financial need for my own retirement period?
  • Inflation and other economic indicators of the country.

Basically, Life Insurance protects you and your family for financial loss that may occur in case of your death, disability or certain life threatening illness as well as for your future savings. Therefore, your life insurance coverage can be based on your income. Normally, 15% to 20 % of your yearly income should be used as premium for life insurance and Sum Assured of can be determined accordingly.To determine the insurance amount that you need, you must consider following factors:

  • Financial burden my family will have to bear in case of my absence?
  • My dependent’s age and how long will it take for them to be financially independent?
  • My family’s financial need for future period?
  • My financial need for my own retirement period?
  • Inflation and other economic indicators of the country.

Basically, Life Insurance protects you and your family for financial loss that may occur in case of your death, disability or certain life threatening illness as well as for your future savings. Therefore, your life insurance coverage can be based on your income. Normally, 15% to 20 % of your yearly income should be used as premium for life insurance and Sum Assured of can be determined accordingly.

Basic Documents that is required for Life Insurance are: Insurance Application Form, Health Declaration Form, Citizenship Certificate or Birth Certificate (In case of minor), KYC form and Passport size photo.     Base on certain criteria, Insurance companies can ask for additional document such as: Medical Examiner’s Report, Various Medical Tests, Income Proof Documents, Agent’s Report Additional document as required.Basic Documents that is required for Life Insurance are: Insurance Application Form, Health Declaration Form, Citizenship Certificate or Birth Certificate (In case of minor), KYC form and Passport size photo.     Base on certain criteria, Insurance companies can ask for additional document such as: Medical Examiner’s Report, Various Medical Tests, Income Proof Documents, Agent’s Report Additional document as required.Basic Documents that is required for Life Insurance are: Insurance Application Form, Health Declaration Form, Citizenship Certificate or Birth Certificate (In case of minor), KYC form and Passport size photo.     Base on certain criteria, Insurance companies can ask for additional document such as: Medical Examiner’s Report, Various Medical Tests, Income Proof Documents, Agent’s Report Additional document as required.Basic Documents that is required for Life Insurance are: Insurance Application Form, Health Declaration Form, Citizenship Certificate or Birth Certificate (In case of minor), KYC form and Passport size photo.     Base on certain criteria, Insurance companies can ask for additional document such as: Medical Examiner’s Report, Various Medical Tests, Income Proof Documents, Agent’s Report Additional document as required.Basic Documents that is required for Life Insurance are: Insurance Application Form, Health Declaration Form, Citizenship Certificate or Birth Certificate (In case of minor), KYC form and Passport size photo.     Base on certain criteria, Insurance companies can ask for additional document such as: Medical Examiner’s Report, Various Medical Tests, Income Proof Documents, Agent’s Report Additional document as required.Basic Documents that is required for Life Insurance are: Insurance Application Form, Health Declaration Form, Citizenship Certificate or Birth Certificate (In case of minor), KYC form and Passport size photo.     Base on certain criteria, Insurance companies can ask for additional document such as: Medical Examiner’s Report, Various Medical Tests, Income Proof Documents, Agent’s Report Additional document as required.Basic Documents that is required for Life Insurance are: Insurance Application Form, Health Declaration Form, Citizenship Certificate or Birth Certificate (In case of minor), KYC form and Passport size photo.     Base on certain criteria, Insurance companies can ask for additional document such as: Medical Examiner’s Report, Various Medical Tests, Income Proof Documents, Agent’s Report Additional document as required.Basic Documents that is required for Life Insurance are: Insurance Application Form, Health Declaration Form, Citizenship Certificate or Birth Certificate (In case of minor), KYC form and Passport size photo.     Base on certain criteria, Insurance companies can ask for additional document such as: Medical Examiner’s Report, Various Medical Tests, Income Proof Documents, Agent’s Report Additional document as required.Basic Documents that is required for Life Insurance are: Insurance Application Form, Health Declaration Form, Citizenship Certificate or Birth Certificate (In case of minor), KYC form and Passport size photo.     Base on certain criteria, Insurance companies can ask for additional document such as: Medical Examiner’s Report, Various Medical Tests, Income Proof Documents, Agent’s Report Additional document as required.Basic Documents that is required for Life Insurance are: Insurance Application Form, Health Declaration Form, Citizenship Certificate or Birth Certificate (In case of minor), KYC form and Passport size photo.     Base on certain criteria, Insurance companies can ask for additional document such as: Medical Examiner’s Report, Various Medical Tests, Income Proof Documents, Agent’s Report Additional document as required.Basic Documents that is required for Life Insurance are: Insurance Application Form, Health Declaration Form, Citizenship Certificate or Birth Certificate (In case of minor), KYC form and Passport size photo.     Base on certain criteria, Insurance companies can ask for additional document such as: Medical Examiner’s Report, Various Medical Tests, Income Proof Documents, Agent’s Report Additional document as required.Basic Documents that is required for Life Insurance are: Insurance Application Form, Health Declaration Form, Citizenship Certificate or Birth Certificate (In case of minor), KYC form and Passport size photo.     Base on certain criteria, Insurance companies can ask for additional document such as: Medical Examiner’s Report, Various Medical Tests, Income Proof Documents, Agent’s Report Additional document as required.Basic Documents that is required for Life Insurance are: Insurance Application Form, Health Declaration Form, Citizenship Certificate or Birth Certificate (In case of minor), KYC form and Passport size photo.     Base on certain criteria, Insurance companies can ask for additional document such as: Medical Examiner’s Report, Various Medical Tests, Income Proof Documents, Agent’s Report Additional document as required.Basic Documents that is required for Life Insurance are: Insurance Application Form, Health Declaration Form, Citizenship Certificate or Birth Certificate (In case of minor), KYC form and Passport size photo.     Base on certain criteria, Insurance companies can ask for additional document such as: Medical Examiner’s Report, Various Medical Tests, Income Proof Documents, Agent’s Report Additional document as required.Basic Documents that is required for Life Insurance are: Insurance Application Form, Health Declaration Form, Citizenship Certificate or Birth Certificate (In case of minor), KYC form and Passport size photo.     Base on certain criteria, Insurance companies can ask for additional document such as: Medical Examiner’s Report, Various Medical Tests, Income Proof Documents, Agent’s Report Additional document as required.Basic Documents that is required for Life Insurance are: Insurance Application Form, Health Declaration Form, Citizenship Certificate or Birth Certificate (In case of minor), KYC form and Passport size photo.     Base on certain criteria, Insurance companies can ask for additional document such as: Medical Examiner’s Report, Various Medical Tests, Income Proof Documents, Agent’s Report Additional document as required.

Yes, you can be insured. Depending upon the condition certain extra premium can be charge on normal premium rates.Yes, you can be insured. Depending upon the condition certain extra premium can be charge on normal premium rates.Yes, you can be insured. Depending upon the condition certain extra premium can be charge on normal premium rates.Yes, you can be insured. Depending upon the condition certain extra premium can be charge on normal premium rates.Yes, you can be insured. Depending upon the condition certain extra premium can be charge on normal premium rates.Yes, you can be insured. Depending upon the condition certain extra premium can be charge on normal premium rates.Yes, you can be insured. Depending upon the condition certain extra premium can be charge on normal premium rates.Yes, you can be insured. Depending upon the condition certain extra premium can be charge on normal premium rates.Yes, you can be insured. Depending upon the condition certain extra premium can be charge on normal premium rates.Yes, you can be insured. Depending upon the condition certain extra premium can be charge on normal premium rates.Yes, you can be insured. Depending upon the condition certain extra premium can be charge on normal premium rates.Yes, you can be insured. Depending upon the condition certain extra premium can be charge on normal premium rates.Yes, you can be insured. Depending upon the condition certain extra premium can be charge on normal premium rates.Yes, you can be insured. Depending upon the condition certain extra premium can be charge on normal premium rates.Yes, you can be insured. Depending upon the condition certain extra premium can be charge on normal premium rates.Yes, you can be insured. Depending upon the condition certain extra premium can be charge on normal premium rates.

Policy document is the contract documents where all details such as policy number, insurance amount, term of policy, payment mode etc. along with terms and conditions are mentioned.Policy document is the contract documents where all details such as policy number, insurance amount, term of policy, payment mode etc. along with terms and conditions are mentioned.Policy document is the contract documents where all details such as policy number, insurance amount, term of policy, payment mode etc. along with terms and conditions are mentioned.Policy document is the contract documents where all details such as policy number, insurance amount, term of policy, payment mode etc. along with terms and conditions are mentioned.Policy document is the contract documents where all details such as policy number, insurance amount, term of policy, payment mode etc. along with terms and conditions are mentioned.Policy document is the contract documents where all details such as policy number, insurance amount, term of policy, payment mode etc. along with terms and conditions are mentioned.Policy document is the contract documents where all details such as policy number, insurance amount, term of policy, payment mode etc. along with terms and conditions are mentioned.Policy document is the contract documents where all details such as policy number, insurance amount, term of policy, payment mode etc. along with terms and conditions are mentioned.Policy document is the contract documents where all details such as policy number, insurance amount, term of policy, payment mode etc. along with terms and conditions are mentioned.Policy document is the contract documents where all details such as policy number, insurance amount, term of policy, payment mode etc. along with terms and conditions are mentioned.Policy document is the contract documents where all details such as policy number, insurance amount, term of policy, payment mode etc. along with terms and conditions are mentioned.Policy document is the contract documents where all details such as policy number, insurance amount, term of policy, payment mode etc. along with terms and conditions are mentioned.Policy document is the contract documents where all details such as policy number, insurance amount, term of policy, payment mode etc. along with terms and conditions are mentioned.Policy document is the contract documents where all details such as policy number, insurance amount, term of policy, payment mode etc. along with terms and conditions are mentioned.Policy document is the contract documents where all details such as policy number, insurance amount, term of policy, payment mode etc. along with terms and conditions are mentioned.Policy document is the contract documents where all details such as policy number, insurance amount, term of policy, payment mode etc. along with terms and conditions are mentioned.

Riders are an optional additional benefits that you can choose with life insurance policy by paying certain extra premiums. Currently, Jyoti Life offers following optional rider benefits:

  • Accidental Death Benefit
  • Premium waiver in case of Permanent Total Disability Benefit
  • Monthly Income Benefit in case of Permanent Total Disability Benefit
  • Critical Illness Benefit

Riders are an optional additional benefits that you can choose with life insurance policy by paying certain extra premiums. Currently, Jyoti Life offers following optional rider benefits:

  • Accidental Death Benefit
  • Premium waiver in case of Permanent Total Disability Benefit
  • Monthly Income Benefit in case of Permanent Total Disability Benefit
  • Critical Illness Benefit

Riders are an optional additional benefits that you can choose with life insurance policy by paying certain extra premiums. Currently, Jyoti Life offers following optional rider benefits:

  • Accidental Death Benefit
  • Premium waiver in case of Permanent Total Disability Benefit
  • Monthly Income Benefit in case of Permanent Total Disability Benefit
  • Critical Illness Benefit

Riders are an optional additional benefits that you can choose with life insurance policy by paying certain extra premiums. Currently, Jyoti Life offers following optional rider benefits:

  • Accidental Death Benefit
  • Premium waiver in case of Permanent Total Disability Benefit
  • Monthly Income Benefit in case of Permanent Total Disability Benefit
  • Critical Illness Benefit

Riders are an optional additional benefits that you can choose with life insurance policy by paying certain extra premiums. Currently, Jyoti Life offers following optional rider benefits:

  • Accidental Death Benefit
  • Premium waiver in case of Permanent Total Disability Benefit
  • Monthly Income Benefit in case of Permanent Total Disability Benefit
  • Critical Illness Benefit

Riders are an optional additional benefits that you can choose with life insurance policy by paying certain extra premiums. Currently, Jyoti Life offers following optional rider benefits:

  • Accidental Death Benefit
  • Premium waiver in case of Permanent Total Disability Benefit
  • Monthly Income Benefit in case of Permanent Total Disability Benefit
  • Critical Illness Benefit

Riders are an optional additional benefits that you can choose with life insurance policy by paying certain extra premiums. Currently, Jyoti Life offers following optional rider benefits:

  • Accidental Death Benefit
  • Premium waiver in case of Permanent Total Disability Benefit
  • Monthly Income Benefit in case of Permanent Total Disability Benefit
  • Critical Illness Benefit

Riders are an optional additional benefits that you can choose with life insurance policy by paying certain extra premiums. Currently, Jyoti Life offers following optional rider benefits:

  • Accidental Death Benefit
  • Premium waiver in case of Permanent Total Disability Benefit
  • Monthly Income Benefit in case of Permanent Total Disability Benefit
  • Critical Illness Benefit

Riders are an optional additional benefits that you can choose with life insurance policy by paying certain extra premiums. Currently, Jyoti Life offers following optional rider benefits:

  • Accidental Death Benefit
  • Premium waiver in case of Permanent Total Disability Benefit
  • Monthly Income Benefit in case of Permanent Total Disability Benefit
  • Critical Illness Benefit

Riders are an optional additional benefits that you can choose with life insurance policy by paying certain extra premiums. Currently, Jyoti Life offers following optional rider benefits:

  • Accidental Death Benefit
  • Premium waiver in case of Permanent Total Disability Benefit
  • Monthly Income Benefit in case of Permanent Total Disability Benefit
  • Critical Illness Benefit

Riders are an optional additional benefits that you can choose with life insurance policy by paying certain extra premiums. Currently, Jyoti Life offers following optional rider benefits:

  • Accidental Death Benefit
  • Premium waiver in case of Permanent Total Disability Benefit
  • Monthly Income Benefit in case of Permanent Total Disability Benefit
  • Critical Illness Benefit

Riders are an optional additional benefits that you can choose with life insurance policy by paying certain extra premiums. Currently, Jyoti Life offers following optional rider benefits:

  • Accidental Death Benefit
  • Premium waiver in case of Permanent Total Disability Benefit
  • Monthly Income Benefit in case of Permanent Total Disability Benefit
  • Critical Illness Benefit

Riders are an optional additional benefits that you can choose with life insurance policy by paying certain extra premiums. Currently, Jyoti Life offers following optional rider benefits:

  • Accidental Death Benefit
  • Premium waiver in case of Permanent Total Disability Benefit
  • Monthly Income Benefit in case of Permanent Total Disability Benefit
  • Critical Illness Benefit

Riders are an optional additional benefits that you can choose with life insurance policy by paying certain extra premiums. Currently, Jyoti Life offers following optional rider benefits:

  • Accidental Death Benefit
  • Premium waiver in case of Permanent Total Disability Benefit
  • Monthly Income Benefit in case of Permanent Total Disability Benefit
  • Critical Illness Benefit

Riders are an optional additional benefits that you can choose with life insurance policy by paying certain extra premiums. Currently, Jyoti Life offers following optional rider benefits:

  • Accidental Death Benefit
  • Premium waiver in case of Permanent Total Disability Benefit
  • Monthly Income Benefit in case of Permanent Total Disability Benefit
  • Critical Illness Benefit

Riders are an optional additional benefits that you can choose with life insurance policy by paying certain extra premiums. Currently, Jyoti Life offers following optional rider benefits:

  • Accidental Death Benefit
  • Premium waiver in case of Permanent Total Disability Benefit
  • Monthly Income Benefit in case of Permanent Total Disability Benefit
  • Critical Illness Benefit

Yes, you can. In case you feel you need additional coverage you can simply buy more policies according to your choice of different insurance plans. As a matter of fact it is recommended to have more than one policy as we become more financially sound in order to manage our increases responsibilities towards our loved ones.

If lost or damaged, one must immediately apply for a duplicate copy. However necessary official procedure has to be completed and some official charge has to be paid.

You can take policy loan after 2 full years premium have been paid. Loan amount will be determined on basis of cash value amount of your policy which is calculated on basis sum assured, policy term, number of years premium paid, bonus amount, number of years remaining for maturity. Maximum 80% to 90% of cash value of the policy can be taken as a policy loan.

You can surrender your policy only after 2 full year’s premium payment and after completion of 2 full years after date of commencement of the policy. You will get cash value (surrender value) of the policy if surrendered. Surrender value amount will be calculated on sum assured, policy term, number of years premium paid, bonus amount, number of years remaining for maturity.

After payment of first premium your insurance policy will start and you should pay renewal premium on each renewal due date as mentioned in the policy document.

If renewal premium is not paid on due date, 30 days grace period (15 days in case of monthly mode) will be provided. After grace period policy will be lapsed and in lapsed policy there will be no insurance coverage.

If you pay after 30 days 10% late fee will charged in your premium amount from last due date.

If you do not pay within 180 days from due date, policy will be in pure lapse status.

Within 180 days from the renewal premium due date, you can simply pay premium with late fee to reinstate your policy.

If you do not pay your renewal premium within 180 days from due date, your policy will be in pure lapse status and reinstatement form along with health declaration forms and medical reports (if required) has to be submitted for underwriting. If approved in re-underwriting, you can pay premium along with late fee and your policy will continue again.

Renewal premium can be paid by any of following ways:

  • Visit nearest branch or sub branch and pay through cash or Cheque.
  • Deposit premium amount in any of the bank accounts provided by the company. In deposit slip policy number should be clearly mentioned and copy of deposit slip has to be forwarded to insurance company to receive renewal receipt. If premium to be deposited after 30 days from due date, one must contact insurance company before premium deposit in bank.

Details of Bank Accounts for premium deposit.

  • You can give standing order to any bank to pay regular premium on due dates.
  • You can pay your premium from your ESEWA & FonePay (Mobile Banking)
  • You can pay your premium through your agents. They will deposit your premium and provide you renewal receipt.

Yes we will send you reminder for your renewal premium payment through SMS in provided mobile number. Also, after issuance of first year or renewal premium receipts in our system, system will automatically send you confirmation SMS.

No, sum assured of policy, policy term or plan could not be change once policy is issued.

Following are the changes that you can do in future.

  • Change mode of premium payment,
  • Change nomination/beneficiary,
  • Change address or mobile/phone numbers,
  • Any correction in policy

For any change in your policy, you need to inform insurance company about the required change by filling the specified form. Once the change is done, the company will issue an endorsement accordingly. Mode of Payment

You or your beneficiary will get your insurance coverage amount on following conditions:

  • Upon Death of the insured.
  • At the time of maturity of policy.
  • In money back policy type, at certain interval you will get certain percentage of Sum Assured.
  • Upon Accidental Death, Permanent Disability or diagnosed with listed Critical Illness. (Only if such additional benefits were opted during proposal submission and payment of additional premium accordingly)

 

Upon the occurrence of certain incidents such that is covered in an insurance policy, a claimant should give formal intimation to the insurance company. On the basis of received intimation, the Insurance Company will issue a formal letter listing all the required documents for processing the claim.

After submitting all the necessary documents required by the insurer, the company will determine the liability within 15 days from the date of receipt of such documents and settle the claim accordingly.

For more details regarding our products and benefit, please refer to our product page.