For most people insurance doesn't have any place in their personal portfolio but in fact, it is an indispensable part of of it. It allows a person to mitigate risk and gives him/her a sense of security that no matter what happens, their financial goals will definitely be met.

We, at InvestoSure, also understand the kind confusion and dilemma most people face while selecting the right Insurance Policy for them. Hence, rather than a product centric approach, our consultants always try to understand the needs of our clients and only then suggest a plan to them.

"FUN IS LIKE LIFE INSURANCE, THE OLDER YOU GET, THE MORE IT COSTS"

Term plans

They are the most affordable insurance plan available in the market. Although, these plans do not offer any maturity benefits but these plans offer huge risk coverage in case of any mishappening at very low premiums. Hence one can sit back and be sure that his family is financially secure no matter what happens.

In addition to this, additional riders can also be included that offer benefits over and above the policy. These add-ons include, accidental death rider, disability or critical illness rider etc. Also one can choose to get the benefits as a lump sum or as regular income.


"AT THE SAME COST SPENT ON OCCASIONAL PIZZAS OR DINE OUTS, ONE CAN COVER PREMIUM COSTS - FOR LASTING PROTECTION - WITH INSURANCE"

Traditional Insurance Plans

These plans offers multiple benefits like risk cover, fixed income returns, safety and tax benefits. Traditional plans can be broadly divided into following:

  • Money Back Plans:
    Provides life coverage during the term of the policy, and the maturity benefits are paid in instalments.

  • Endowment Plans:
    Endowment Plans are the most popular plans these days that combines insurance and investment. They can be further categorized as participating and non-participating plans.

"IF THERE IS ANYONE DEPENDENT ON YOUR INCOME - PARENTS, CHILDREN, RELATIVES - YOU NEED LIFE INSURANCE."

ULIPs

ULIP stands for Unit Linked Insurance Plan. It’s where the best of insurance and investments meet each other. It provides a flexible approach to investment planning as ULIPs allow you to safely balance your fund with equity and debt components, with options to switch as the market changes.