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Life Insurance


Life Insurance

Life Insurance is a contract for payment of a sum of money to the person assured (or failing him/her, to the person entitled to receive the same) on the happening of the event insured against. The contract usually provides for the payment of an amount on the date of maturity or at specified dates at periodic intervals or at unfortunate death, in case it  occurs earlier. Life insurance is universally acknowledged to be an institution which eliminates 'risk', substituting certainty for uncertainty and comes to the timely aid of the family in the unfortunate event of death of the breadwinner .In short, Life insurance, is concerned with two hazards that stand across the life-path of every person that of dying prematurely leaving a dependent family to fend for itself and that of living to old age without visible means of support.

Life insurance guarantee full protection against risk of death of the saver. O n death, the full sum assured is payable (with bonuses wherever applicable)

1) Replacement of Income Earning a living is considered by many to be the key economic asset of their life. If you have dependants, consider what they would do if they were deprived of your income. Life insurance's money can be used to supplement their retirement income. This is useful if your spouse cannot avail of a few benefits after your death.

2) To pay outstanding debts and long-term obligations its better to Buy life insurance so that your relatives have the money to offset burial costs, clear credit card debts and medical expenses that are not covered by health insurance in addition it can also be used to pay off your mortgage,


Any person who has attained majority and is eligible to enter into a valid contract can buy  a life insurance policy for himself and for those in whom he has insurable interest. Policies can also be taken  subject to certain conditions, on the life of one's spouse or children.




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