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Life Insurance in Delhi

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    life insurance in Delhi

    Find 4710+ life Insurance providers in Delhi 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 Delhi

    as on Jun 28, 2020
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    1. RK Insurance & Investment

      Brij Vihar, Pitampura
      4.0

      Life Insurance, Health insurance

      +911140130994
      B-2/13, Brij Vihar, Pitampura, Delhi - 110034 Get Directions
    2. P.A.Capital-Delhi-Life Insurance, Health insurance

      P.A.Capital

      Sitaram Bazar, Chawri Bazar
      7.3

      Life Insurance, Health insurance

      +919021109490
      457 1st floor, Gali Sheesh Mahal, Sita ram bazar, Sitaram Bazar,, Chawri Bazar, delhi - 110006 Get Directions
    3. Vinay Bhatia (Insurance Advisor)

      Also Servicing in Delhi
      7.3

      Life Insurance, Health insurance

      +917949072470

      We Are in Business Of Life & Health Insurance.We protect life through Term Insurance.Our Unbiased Advice help clients to take decision Easily .

    4. all types of loan and all types of insurance

      , Delhi - 126115
      4.1

      Life Insurance, Home insurance

      +911140130939
      New Gopal Nagar B block, Roshanpura

      Life Insurance, Travel insurance

      H.No. 93 new Gopal nagar b-block, New Gopal Nagar B block, Roshanpura, Delhi - 110043 Get Directions
    5. Life Saver Solution Pvt. Ltd.

      Pratap Nagar, Gulabi Bagh

      Life Insurance, Corporate group insurance

      No. 79/10, Pratap Nagar, Gulabi Bagh, Delhi - 110007
    6. Amrita Singh

      Sector 7, Rohini

      Life Insurance, Corporate group insurance

      No. H/18/122, Sector 7, Rohini, Delhi - 110085
    7. Tarun Malhotra

      Patparganj Road , Laxmi Nagar

      Life Insurance, Home insurance

      Konark Apartments ,Patparganj Road, Laxmi Nagar, Delhi - 110092 Get Directions
    8. The Oriental Insurance Co. Ltd.

      Naveen Shahdara, Shahdara

      Life Insurance, Home insurance

      No. 9, Naveen Shahdara, Shahdara, Delhi - 110032
    9. Kapil Airlinks

      Saini Enclave, Anand Vihar

      Life Insurance, Corporate group insurance

      Office No. 3F, 3rd Floor, Manish Chambers, Saini Enclave, Anand Vihar, Delhi - 110092

    Latest Customer Reviews for Life Insurance in Delhi

    as on Jun 28, 2020 Average Rating (4) - 2389 reviews
    30th Mar, 2020

    I was searching on the internet for LIC Insurance Advisor who can meet me and make me understand about the insurance plan that suits me. He did exactly the same I was expecting...unbiased opinion and professional service. I can recommend him with the utmost confidence. You can contact him and see the difference because a trusted Insurance Advisor has to be smart and professional so that he can handle especially when you need most.

    0
    7th Mar, 2020

    Best in the field.... great advisor and compensate towards people and work. They will guide u in best manner. Special thanks to Mr. RAJIV BATRA for counseling acc to the needs and want of the customer. Recommended

    0
    21st Feb, 2020

    Shri Lal Singh Dogra helped me in planning my health insurance which includes Personal Accident and Critical Illness Insurance policy. I am happy with his service and timely guidance offered by him. He is well versed with his subject and customer centric person. Every customer should have insurance advisor like Mr. Dogra.

    0
    12th Feb, 2020

    Mr. LAL SINGH DOGRA is very professional. Provided correct guidance for my health insurance in my budget.

    0
    1st Jan, 2020

    Excellent service, best quote from many companies

    0
    25th Nov, 2019

    Genuine advice with perfect market analysis. Investing made simple and hassle free. The personal touch along with the truly professional attitude is the highlight of their service.

    0
    25th Nov, 2019

    My financial manager was most honest in suggesting and providing the schemes by puting my money most wisely for maximum benefits. Highly recomend their financial guidance for a care free future

    0
    23rd Nov, 2019

    Good & excellent service wow feeling

    0
    • Page 1

    Recent Enquiries for Life Insurance in Delhi

    • Life insurance policy: Whole life policy
    • Gender: Male
    • Age: 30 years
    • Insurance policy for: Self
    • Annual income: More than 10 lakhs
    • Insurance brand: I am not brand specific / Not sure
    24 days ago
    • Life insurance policy: Term insurance
    • Gender: Male
    • Age: 28
    • Insurance policy for: Self, Parents, Spouse
    • Annual income: 6 - 10 lakhs
    • Insurance brand: LIC
    37 days ago
    • Life insurance policy: Whole life policy
    • Gender: Male
    • Age: 35
    • Insurance policy for: Self
    • Annual income: More than 10 lakhs
    • Insurance brand: I am not brand specific / Not sure
    47 days ago
    • Life insurance policy: Whole life policy
    • Gender: Male
    • Age: 40
    • Insurance policy for: Self
    • Annual income: 6 - 10 lakhs
    • Insurance brand: I am not brand specific / Not sure
    64 days ago

    Recent Bookings in Insurance

    • Life insurance policy: Child Plans
    • Gender: Female
    • Age: 30
    • Insurance policy for: Son
    • Annual income: 6 - 10 lakhs
    • Insurance brand: I am not brand specific / Not sure
    188 days ago
    • Life insurance policy: Pension Plans
    • Gender: Male
    • Age: 38yrs
    • Insurance policy for: Self
    • Annual income: 3 - 5 lakhs
    583 days ago
    • Life insurance policy: Endowment plans
    • Gender: Male
    • Age: 35
    • Insurance policy for: Self
    • Annual income: More than 10 lakhs
    672 days ago
    • Life insurance policy: Term insurance
    • Gender: Male
    • Age: 28
    • Insurance policy for: Self
    • Annual income: More than 10 lakhs
    700 days ago

    What are the different types of insurance available?

    There are several types of insurance policies available such as:

    • Life insurance: This insurance pays a lump sum on your death. So, if the worst happens, your foresight will provide for your kids’ education and secure your family's lifestyle.
    • Trauma insurance: It pays a lump sum on the diagnosis of any specific illness like heart attack, cancer or stroke. This payment will give you choice as well as flexibility at a time when you will need it the most. With this insurance plan, you will be able to cut your working hours, get proper treatment and pay for your care taker and any other unexpected things.
    • Income protection insurance: It provides a replacement income of up to 75% of your current income in case you are unable to work due to some illness or injury.
    • Total and permanent disability insurance: It pays a lump sum if you become disabled and are unable to work again. You may use this lump sum to pay off your debts, medical costs and do investment so that you have an annual income to maintain your lifestyle.
    • Business expenses insurance: It covers the on-going costs of your business if you are self-employed and are unable to work due to any illness or injury.

    Why to find the right life insurance plans on Sulekha?

    As the top online directory, Sulekha has a list of reliable insurance providers in Delhi who can provide you a wide choice of insurance plans such as Term life insurance, Whole life policy, Endowment plans, Money back policy, Pension Plans, child plans, etc. You will find genuine ratings and all information that you require about the insurance policies. There is no need to waste your valuable time on searching different websites for the information about insurance plans. You can discuss your needs with our listed life insurance providers in Delhi and choose a suitable plan by comparing the benefits and offers. You will not receive any unsolicited calls from fake people.

    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 Delhi

    • 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