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Life Insurance in Ahmedabad

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    life insurance in Ahmedabad

    Find 2150+ life Insurance providers in Ahmedabad for your family. Sulekha have served with a range of services across banking and top insurance sectors like Life Insurance Corporation of India(LIC), SBI Life, Reliance Life, Bajaj Allianz Life Insurance, Birla Sun Life Insurance, HDFC Standard Life, Tata AIG Life, Kotak Life Insurance, Max Life Insurance, ICICI Prudential Life Insurance.

    Best 10 Life Insurance Companies in Ahmedabad

    as on Jun 28, 2020
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    1. Devangshi Patel - Lic Agent-Ahmedabad-Life Insurance

      Devangshi Patel - Lic Agent

      Anand Party Plot Road, New Ranip, Ahmedabad
      5.6

      Life Insurance

      +917949073988

      Parth Patel is one of the best LIC Agent in Ahmedabad offer various Life Insurance plans as per your needs. I work closely with customer from buying a new policy until the claim settlement. I believe in one point of contact for Insurance Policy. Make Enquiry today to secure Life with LIC Plans.

    2. Shweta Vishal Kumar Vyas-Ahmedabad-Life Insurance, Corporate group insurance

      Shweta Vishal Kumar Vyas

      Vatva Road, Isanpur, Ahmedabad
      7.4

      Life Insurance, Corporate group insurance

      +917949074744

      working for PNB MetLife India Insurance Co.Ltd. Doing Individual Insurance Including Term Plan Endowment Plan Unit Linked Insurance Plan(ULIP) Saving Plan Money Back Plan Pension Plan

    3. First Choice Wealth Management-Ahmedabad-Life Insurance, Travel insurance

      First Choice Wealth Management

      B/H Sales India, Navrangpura
      7.0

      Life Insurance, Travel insurance

      +919021106896
      Maa Anand Mayi Marg, Satellite, Ahmedabad
      5.4

      Life Insurance, Corporate group insurance

      +917949072381

      Vakharia Associates is a new age firm offering services for Home Loans, Mortgage Loans, Education Loans and Project Finance under one roof. Along with the needs of finance, we help our clienta in managing risk by advising them best insurance products for peraonal life as well as for their business requirements. We have tie up with top mutual fund distributor of India to cater the needs of investment for long term wealth creation and tax planning. We also have association with CA firm for taxation needs of i ...

    4. HITESH SHAH - LIC ADVISER

      D CABIN , Sabarmati
      7.8

      Life Insurance, Corporate group insurance

      +917949073529
      G-404, Shandhidham Flats, D CABIN, Sabarmati, Ahmedabad - 380019
    5. Insurance Advisor Apurva Kala

      Anadkrupa Bunglow, Bopal
      6.9

      Life Insurance, Health insurance

      +919021103365
      2nd floor jain mahavir vidthyalay, Paldi, Ahmedabad
      4.4

      Life Insurance

      +917949071204

      Rashmika Y. Rana is a reputed insurance agent recruiter based in Ahmedabad, India. Rashmika Y. Rana specialises in offering personal life insurance plans and personal accidental insurance plans. Rashmika Y. Rana started the insurance practice in 2013 with the goal of providing personalised insurance plans to the clients at nominal rates. Rashmika Y. Rana offers insurance product brochures and premium calculator facilities for the convenience of the customers. Contact Rashmika Y. Rana for your insurance n ...

    6. Pravinchandra Modi-Ahmedabad-Life Insurance, Health insurance

      Pravinchandra Modi

      B/H Vaibhav Hall, Ghodasar, Ahmedabad
      7.8

      Life Insurance, Health insurance

      +917949071127

      I am connected only Life Insurance and Health Insurance.It does not come in Corporate Group Insurance So Pleaee do not send any Inquiry of Corporate Group Insurance

    7. Investment Advisor

      B/1/22/ Nirman complex , Chanakyapuri, Ahmedabad
      7.8

      Life Insurance, Health insurance

      +919021106858

      All type of financial advice you can get.You can get smart return on your investment and creat dream wealth by investing in Mutual Fund SIP Pension plans Fix Deposits and all type of Insurance. General Insurance like Health insurance (mediclam) Motor Insurance also avable. We also have plots and residential flats at developing and developed area.

    8. Ekadanta Associates-Ahmedabad-Life Insurance, Health insurance

      Ekadanta Associates

      Jodhpur Gam Satellite, Jodhpur, Ahmedabad
      4 Reviews 10.0

      Life Insurance, Health insurance

      +917949078273

      we are in business of life insurance and health insurance. In life insurance we deal with TATA AIA LIFE PRODUCTS - TERM PLAN TATA AIA MAHARAKSHA SUPREME - TERM PLAN WITHOUT RETURN OF PREMIUM TATA AIA SAMPURNA RAKSHA PLUS - RETURN OF PREMIUM TERM PLAN PENSION PLANS & CHILD PLANS AS BELOW GAURANTEED RETIREMENT AND CHILD PRODUCTS - SMART INCOME PLUS, GAURANTEED RETURN INSURANCE PLAN, GAURANTEED MONTHLY INCOME PLAN, WE DEAL WITH HEALTH INSURANCE - ALL COMPANY HEALTH INSURANCE AND MEDICLAIM AS PER ...

    Latest Customer Reviews for Life Insurance in Ahmedabad

    as on Jun 28, 2020 Average Rating (4) - 297 reviews
    3rd Jun, 2020

    Very nice service provided to customer

    0
    31st May, 2020 ,

    Deep knowledge in insurance industry

    0
    20th May, 2020 ,

    Very good explanations! genuine talk! He has given very good guidance and also very nice talk to give service

    0
    19th May, 2020

    I appreciate the follow up, new updated, daily morning super quotes on whatsapp n commitment given by Prashantbhai..I would like to give 10/10 ratings.. Thanks for your best cooperation at all times.

    0
    15th May, 2020

    Prashant is a man of commitment and I can give 10/10 for his service and support part.

    0
    14th May, 2020

    Truly the one step solution for all kind of life and general insurance needs.Amazing after sales service

    0
    14th May, 2020

    Superb...extra ordinary..EXCELLENT..prompt service...taken care by all means..recommded for all type of service

    0
    14th May, 2020

    I know prashant since more than 25 years, very professional, prompt and responsible..helped me to chose a health insurance for my family by understanding my needs and comparing various policies and suggesting me the appropriate one. Best experience.

    0
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    Recent Enquiries for Life Insurance in Ahmedabad

    • Life insurance policy: Term insurance
    • Gender: Male
    • Age: 45
    • Insurance policy for: Self
    • Annual income: Less than 3 lakhs
    • Insurance brand: I am not brand specific / Not sure
    30 days ago
    • Life insurance policy: Term insurance
    • Gender: Male
    • Age: 44
    • Insurance policy for: Spouse
    • Annual income: 6 - 10 lakhs
    • Insurance brand: I am not brand specific / Not sure
    49 days ago
    • Life insurance policy: Endowment plans
    • Gender: Male
    • Age: 25
    • Insurance policy for: Self, Spouse, Son, Daughter
    • Annual income: 3 - 5 lakhs
    • Insurance brand: LIC
    145 days ago
    • Life insurance policy: Term insurance
    • Gender: Male
    • Age: 34
    • Insurance policy for: Self
    • Annual income: More than 10 lakhs
    • Insurance brand: Max life Insurance
    184 days ago

    Recent Bookings in Insurance

    • Life insurance policy: Term insurance
    • Gender: Male
    • Age: 44
    • Insurance policy for: Spouse
    • Annual income: 6 - 10 lakhs
    • Insurance brand: I am not brand specific / Not sure
    49 days ago
    • Life insurance policy: Pension Plans
    • Gender: Male
    • Age: 32
    • Insurance policy for: Self
    • Annual income: 6 - 10 lakhs
    527 days ago

    All you need to know about life insurance

    People insure their cars against any theft or damage, their homes in case, anything goes wrong, but they forget the most valuable thing of all; their lives. It’s comforting to know that we have people around us who love and care for us deeply. But how would they manage if we are no longer around? The death of our loved ones comes with its own challenges. It is important to ensure that in this period of mourning and loss, life continues as comfortably as possible. The void created by the death of the family member is hard to fill but it should not disrupt the financial future of the family. Therefore, it is important to realize the value of life and get a life insurance.

    What is life insurance?

    It is an arrangement between the Insurance Company and the policy holder in which the insurer guarantees compensation for the loss of life in return for the regular payment of a specified premium. In Life Insurance, the name of the beneficiary is mentioned in the contract who gets the specified sum from the insurance company in case of any mishap i.e. Loss of Life.

    What are the key benefits of life insurance?

    1. Risk Coverage:Insurance offers risk coverage to the insurance holder and his family in form of monetary compensation.
    2. Different plans for different uses:Insurance firms offer different types of plans to the insurance holders depending on their need for insurance. Higher is the premium, greater will be the benefits.
    3. Cover for Health Expenses: The insurance policies may also cover hospitalization expenses and some critical illness treatments.
    4. Promotes Savings: Some insurance policies come with saving plans i.e. the insurer invests the money in profitable ventures.
    5. Guaranteed Income:  There is a guaranteed sum assured amount in the insurance policy which is payable at the time of completion of the policy tenure or if the death of the insurance holder occurs.
    6. Loan Facility: Insurance holder can borrow a certain amount of money from the insurer. This option is available only on selected policies.  
    7. Tax Benefits: Insurance holder can get tax benefits under the section 80C of the income tax Act, 1961.

    What are the different types of life insurance?

    There are many types of life insurance policies that can aid you in meeting needs of different life stages:

    1. Term life insurance: Insurance holder gets coverage for a tenure which you choose by yourself. These policies can be availed by people who find it hard to pay lump sum money.
    2. Whole life insurance: This policy covers the insurance holder for entire life.
    3. Endowment policy: Risk is covered for a definite period and at the end of the policy tenure, the sum assured along with the accumulated bonus is given to the policyholder.
    4. Money back policy: This insurance policy repays the survival benefits periodically.
    5. Savings & investment plans: It helps in investments to make your money grow.
    6. Retirement plans: It is a retirement plan. You can make your retirement corpus according to your risk and after completion of the specified period, a certain amount of money is paid to the beneficiary in the form of pension, annually, half-yearly or monthly.
    7. Unit Linked Insurance Plans (ULIPs): A part of this investment goes in providing life cover whereas the residual portion is invested in bonds or stocks.
    8. Child insurance policy: These life insurance plans are designed to meet the rising education and other needs of children. A child plan provides a lump sum amount on the event of death of the policyholder, but the insurance plan doesn’t end. All the future premiums are waived off and insurer continues investing money on behalf of the policyholder. The child gets the amount at specified tenure as per the plan.

    Best Life Insurance Plans

    Life Insurance PlansPolicy TermSum AssuredAge (Min-Max)
    Aegon Life iTerm Plan5 - 4010 Lakhs / NA18 - 75
    Aviva I-Life Plan10 - 3525 Lakhs / NA18 - 55
    Bajaj Allianz iSecure10 - 3020 Lakhs / NA18 - 70
    Bharti AXA eProtect10 - 3025 Lakhs / NA18 - 75
    HDFC Click2Protect Plus10 - 3010 Lakhs / 10 Cr18 - 65
    HDFC Life Sanchay15 - 251,05,673 / NA30 - 45
    HDFC SL Crest10 - 107 or 10 * Annual Pre / 20 * Annual Pre14 - 55
    ICICI Pru iProtect10 - 303 Lakhs / NA20 - 75
    Kotak Life Preferred e-Term10 - 4025 Lakhs / NA18 - 75
    LIC AmulyaJeevan5 - 3525 Lakhs / NA18 - 60
    LIC New Jeevan Anand15 - 501 Lakhs / NA18 - 50
    LIC Term Plan10 - 3550 Lakhs / NA18 - 75
    Max Life Online Term Plan10 - 3525 Lakhs / 100 Cr18 - 70
    SBI eShield Plan5 - 3020 Lakhs / NA18 - 70
    SBI Shubh Nivesh Plan5 - 3075,000 / NA18 - 60

    What are the different life insurance claims?

    Life insurance claims are classified as below:

    Death Claims: In case of the death claim, the beneficiary needs to submit following documents:

    • A filled claim form
    • Original policy bond or contract
    • An original or certified copy of the insurance holder’s death certificate
    • Proof of identity as the beneficiary

    Maturity Claim: In order to avail the maturity benefits of the life insurance, you need to submit the following to the insurer

    • Original policy bond
    • Maturity claim form 

    What are the top 10 insurance companies?

    • Life Insurance Corporation of India
    • ICICI Prudential life insurance
    • SBI Life insurance
    • HDFC standard life insurance
    • Max Life Insurance
    • Bajaj Allianz Life Insurance
    • Birla Sun Life Insurance
    • Reliance Life Insurance
    • Tata AIA Life Insurance
    • PNB Metlife India Insurance

    What are the documents required while buying a life insurance policy?

    The life insurance companies will ask for the following documents before issuing you insurance policy:

    • Income documents
      • Last 3 months salary slips
      • Income Tax Returns of last 2-3 years
      • Latest 6 months Bank Statement with salary entries in last 3 months
      • CA certificate in case of Businessmen
      • Latest Form 16 
    • Address Proof
      • Bank Statement or Passbook with latest entries for 6 months
      • Credit Card statement  less than 3 months old
      • Driving License with address mentioned
      • Electricity / Telephone / Water / Gas bill (less than 3 months old)
      • Leave & License agreement
      • Passport
      • Ration Card
      • Voter ID card
      • Aadhar Card
    • ID Proof
      • PAN Card
      • Passport
      • Aadhar Card
      • Voter Id card
    • Age Proof
      • Aadhar Card
      • Voter Id card
      • Ration card
      • PAN Card
      • Passport
      • Marriage certificate
      • Birth certificate
      • Driving License
      • School/College leaving certificate

    What are the factors that affect the premium of a life insurance?

    The factors that affect the premium of a life insurance are:

    • Age: If you’re young policy holder then the rates will be lower in comparison to someone older. Since the possibility of a young person having a life threatening disease or to pass away in his youth is very unlikely.
    • Gender: Insurance companies believe that there is a different life expectancy for different genders. As per the statistical findings, women are believed to live 5 years more than men. Therefore affecting the premium they pay for their policy.
    • Smoking: Smoking puts the insurance holders at higher risk of ailments, so if you’re a smoker then you have to pay a premium twice as much as any non - smoker does, thus affecting the premium to a great extent.
    • Medical history:  If a policyholder has some medical history of serious illnesses like cancer, heart diseases or any other, then they are susceptible to get them from a hereditary perspective which increases their premium by a larger margin.
    • Health records:  The health records ensure that you don’t have any chronic diseases or potential health issues, thus, keeping your premium also in check.
    • Drinking: Drinking is injurious to health in many ways. As a policyholder, if you are a heavy consumer of alcohol then you have to give high premium.
    • The Policy: The type of insurance policy can also affect the premium. The longer the tenure of the policy, the larger will be the benefit at the time of death, as you will pay it for that period of time.
    • Profession: Your profession also plays a vital role in the premium you need to pay. If the policyholder has a risky profession then premium will be high.
    • Lifestyles choices: Many insurer take higher premiums from the people who love to take risks like climbing treacherous mountains, speeding cars or other high risk activities.
    • Obesity: Obesity is another factor which can affect your premium as a policyholder. Since obese individuals are prone to a number of health problems like high blood pressure, stroke, coronary heart disease, Osteoarthritis and cancer, in the future, this increases their premium.

    What are insurance riders?

    These are additional benefits which you can get along with your current life insurance policy at affordable rates. They are valuable tools that help you in expanding your life insurance coverage. There are different types of riders like:

    • Waiver of premium: This life insurance policy stays active even if you are unable to pay the premiums with the continuation of the policy benefits.
    • Critical illness: Under this rider, the policy holder pays an extra amount to get themselves covered, in case they are diagnosed with any of the critical ailments mentioned in the document. This rider acts like an income replacement plan where the amount received under the rider can be used for both medical and household expenses.
    • Accidental death rider: All the life insurance policies cover accidental death. The accidental death rider ensures that the beneficiary gets double the sum assured in case of accidental death of the policy holder.
    • Permanent & partial disability: It is helpful if the policy holder becomes temporarily or permanently disabled due to an accident. The insurer gives a certain sum assured for the next five or ten years and all the future premiums on the insurance policy are waived off.
    • Income benefit rider: This rider offers a regular source of income to the family members in case of the demise or disability of the insurance holder.

    What is the process of insurance claim settlement after the death of policy holder?

    In case of the death of the policy holder, the beneficiary is required to send claim intimation form to the insurer as soon as possible. Claim intimation must contain details like Date, Place, and Cause of Death. On successful submission of the claim intimation form, the insurance company will ask you for some additional information such as:

    1. Certificate of Death
    2. Copy of Insurance Policy
    3. Legal Evidence of title if the insured has not appointed a beneficiary
    4. Deeds of assignment

    After successful submission of all the above documents, the insurer will verify the claim and settle the same.

    FAQ - Life Insurance in Ahmedabad

    • Q. Can I save tax if I get life insurance?

      Yes, you can claim tax rebate due to your life insurance. Most investors consider life insurance to be one of the best investment plan as it helps to not only save up on taxes, but also the return is good. Tax benefits are not given for many investment plan but for life insurance you can get a rebate. The amount will depend on how much you have invested.
    • Q. What are the benefits of having life insurance?

      There are several benefits of having insurance. The key advantages are the following. 

      • The maturity amount is also tax-free along with the tax-saving under 80C.
      • Investing in life insurance will promote a good habit of saving.
      • There are policies that allow part-withdrawal.
      • Even there are some insurance providers who allow a clause of critical illness which helps in paying medical bills in case there are relevant emergencies.
    • Q. What if I miss my premium due date?

      It is ok if you miss the premium date once for a few days. In fact, an insured person can get a grace period of about 30 days. It means you will get 30 more days’ time to pay the premium and enjoy the benefits of having a life insurance policy. 
    • Q. Do I have to go to the insurance office to get life insurance?

      You can choose to go to the office of the agent, or you may ask him to come to your home and help you get the life insurance. He can come at a convenient time for both, and you can even ask for suggestions in order to make the best investment choice for yourself. 

      1. What are the different types of life insurance policies? 

      There are many types of insurance plans that one can choose from. Some of the choices are the following.

      • Term plan – It covers for a fixed period, and you will have to pay a fixed premium.
      • ULIP – This is an excellent plan if you want not just insurance but also investment plan.
      • Money-Back – It is the best way to get survival benefit out of your life insurance plan. 
    • Q. What is the frequency for paying the premium?

      It would depend on the plan you choose. It can be anywhere between monthly, quarterly or even annual. 
    • Q. What amount should I insure for LIC?

      Any amount that you deem fit for yourself, you can insure for that amount. However the amount you insure will determine the premium, so make sure you can pay the premium before fixing up an amount. 

    Life Insurance Near Me