Whole Life Insurance plans provide cover throughout your lifetime. The premium could be paid for as long as a lifetime or for a limited period Unlike endowment plans they do not carry a maturity value and pay the sum assured to the family in case of the unfortunate death of the policyholder. A Whole Life Insurance plan assures that your family is protected against financial loss that could occur your death.

Term Insurance helps the customers in safeguarding their families from financial worries that arise due to unfortunate circumstances. Term plans are pure risk cover plans with or without maturity benefits. These pure risk plans cover your life at a nominal cost Term plans also let you avail the benefit to cover your outstanding debts like mortgage, home loan etc. In case of something happens to you, the financial burden is borne by the insurance company and not your loved ones.

• High insurance Cover at lower costs.
• Financial security against loans and mortgages.
• Single premium payment option available.
• Available with host of Additional rider benefits.

The purpose of health insurance is to help you overcome unforeseen emergencies without compromising on any other financial goal. Health insurance helps you pay for all your medical expenses. A health insurance policy also gives you the benefit of covering your loved ones under one plan to avoid any financial constraints arising on account of a medical emergency.

• Cashless hospitalization in all major hospitals pan India.
• Coverage of pre and post hospitalization expense.
• Coverage of all major day care treatments.

Group insurance covers a group of people, usually members of societies, employees of a common employer, or professionals. All employees or members are included under one 'master policy' owned by the employer /nodal agency. Group Insurance covers both life and savings products along with options like Superannuation and Health.

Retirement Plans make sure that you have support in the twilight years of your life. The savings you set aside today become your wealth and support in the years to come.

• a. Immediate Annuity Plans
      These plans allow you to convert a sum of money into a guaranteed series of payments for a definite period or for life.
• b. Deferred Annuity Plans
      This plan allows you to save regular amounts of money for a peaceful retirement. This type of annuity has two main phases, the
      accumulation phase which allows you to invest and save money into your account, and the payout phase in which the plan is
      converted into regular annuity installments and payments are received.

• An alternative to superannuation's and provident fund;
• Compulsary Saving
• Saving Tax
• Choice of Open Market Option, i.e., you have the option to purchase an immediate annuity from your current insurer or from any other life insurer as recognized by IRDAI.

Insurance today offers a very simple assurance in terms of monetary support to a child and family incase of death or disability of parent and helps ensure that the shortage of fund never hampers dreams or aspirations of your child. In short, Children's Plans ensure a secured financial future for your child.

• Should cover your child throughout even if something happens to the parent.
• The payout should be at a age when the child requires it the most, i.e. when he wants to enter his dream college or needs to start his career.
• Should provide a regular source of income so that child doesn't have to compromise on his dreams and aspirations.
• Flexibility to move from one investment fund to other by the way of switching of funds
• Your child should not be forced to pay the premiums of the policy.

Wealth plans invest the premium in to the equity, debt and cash markets by allocating units, which like any other mutual fund have a NAV. You are free to switch between one fund to another depending on the risk factor you wishes to bear. They offer better returns than traditional endowment plans and offer a great deal of flexibility along with great returns making them the finest product offering.

• Availability in single premium and regular premiums options
• Investment funds ranging from index funds to mid-cap funds and debt market linked funds.
• Option to choose from a host of additional rider benefits
• Tax Benefits as per existing tax laws
• Flexibility to move from one investment fund to other by the way of switching of funds
• Option to infuse additional capital by the way of Top Ups to give your investments a boost.

• a. Variable Linked Insurance Products
  
• b. Variable Non-Linked Insurance Products
  

• Linked Individual Non-participating
• Linked Fund based Group Non-participating.

• Individual Non-participating
• Group Savings Non-participating
• Fund based Group Non-participating
• Individual participating
• Group Saving participating
• Fund Based Group participating

ULIPs offer a complete selection of high, medium and low risk investment options under the same policy. You can choose an appropriate policy according to your risk taking appetite, coupled with the opportunity to switch between fund options without any additional expense for specified number of switches. ULIPs provide the flexibility to choose the sum assured and investment ratio in the annual targeted premium. It also offers the flexibility of one time increase in investment portfolio, through top-ups to avail investment opportunity offered by external environment or own income flows.