Term Insurance

As the sole breadwinner of the family, if something unfortunate were to happen to you, it could financially jeopardise your entire family. Term life insurance can protect your family against such unforeseen circumstances and provide them with financial stability. We live a fast-paced life involving a lot of risks. A good term life insurance policy ourselves guarantees the well-being and financial stability of our families at all times.

Benefits of getting term life insurance

Term life insurance offers financial coverage to the policyholder and their beneficiaries for a specified time period. The top benefits include :

  • It safeguards you and your family against financial liabilities such as a mortgage or a loan
  • It provides financial security to your family, the designated beneficiaries, in case of your untimely death
  • It offers financial security in case of loss of income due to disability or critical illness
  • It offers tax benefits under section 80/c of the Income Tax Act and tax-free income on paying the maturity claim

Endowment Plans

An endowment policy is a combination of insurance and savings, which invests a particular amount in a life insurance cover and the remaining amount, is invested by the provider. In case an endowment policyholder outlives the policy term, the insurance provider offers a maturity benefit to him/her. Furthermore, some endowment policies may offer bonuses on pre-specified periods. If applicable, the bonuses are paid either to the policyholder at the time of policy maturity or to the nominee in case of a death claim.

Endowment policies are also known as traditional life insurance. These plans come with an element of investment. As the risk involved is lower as compared to the risk factor of other investment products, the returns are lower as well.

Testimonials

Highly Professional Team

Working with Investment Smart has been a great experience. An exceptional group of people who are well versed in all legal, accounting, and compliance aspects of fund administration for onshore or offshore funds. I highly recommend them.

Emily Wilson

Top Manager

Real Experts in Investment Management

These guys are efficient! From the first moment that I dealt with Investment Smart I knew that they were real pros. They are asking the right questions, and when getting the answers they are on ball non-stop, providing an excellent service!

Dennis Lewis

Civil Servant

A Team of Dedicated Investment Management Specialists

It took me a while to find someone who could accomplish what I needed for my company. I have to say it was well worth the wait. Investment Smart is a team of real professionals who showed their hard work, patience, and professionalism, and they far exceeded my expectations.

Jack McGee

Founder, The Therapy

The Best Investment Management Company

It has been a pleasure to work with Investment Smart and their team of investment experts. They offered me a quick and easy solution to my business investment strategy that will surely help me in handling my future spendings. I’m glad to cooperate with this qualified team.

Jill Miller

Regional Manager

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