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Life Insurance in Pune

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    life insurance in Pune

    Find 1340+ life Insurance providers in Pune 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 Pune

    as on Jul 13, 2020
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    1. Ssr Financial Services-Pune-Life Insurance, Corporate group insurance

      Ssr Financial Services

      Pallazo Hadapsar, Hadapsar, Pune
      4.8

      Life Insurance, Corporate group insurance

      +912249431244

      SSR Financial Services is one stop solution for your financial needs like Life Insurance, Health Insurance, Motor Insurance, Mutual Fund Investment, Financial Planning, Tax Planning etc....

    2. Teamone Consultants

      Fatima Nagar, Wanwadi, Pune
      5 Reviews 6.6

      Life Insurance, Health insurance

      +919021109220

      We are a group of 100 people dedicated to educate and safeguard the plannings of all our valuable clients. With a client base of 35000 across India we are one of the leading Risk management group in India among 29000 groups ranking 2nd in entire India. We are not plan oriented , indeed we are planning oriented organisation. Our core focus is to understand the need of our client first and then advise the plan . Our 40000 satisfied clients across India shows our dedication towards our proffesion.

    3. Subhash M. Pagale-Pune-Life Insurance, Corporate group insurance

      Subhash M. Pagale

      Sector No. 26, Chinchwad, Pune
      7.0

      Life Insurance, Corporate group insurance

      +912249429317

      All Type of Life Insurance policies will be served with best of best service record since 29 years in life Insurance Industry ( LIC OF INDIA)

    4. ENDOW FINANCIAL CONSULTANTS

      198 shukrawar peth kala haudh chowk bajirao road, Shukrawar Peth
      4.2

      Life Insurance, Health insurance

      +912249427122
      198 shukrawar peth kala haudh chowk bajirao road, Shukrawar Peth, Pune - 411002 Get Directions
    5. Shubhanan Joglekar Insurance Adviser

      Pinnac Anand Residency, Karve Nagar
      5.1

      Life Insurance, Corporate group insurance

      +912249428628
      Sr. No. 9 C- 801, Pinnac Anand Residency, Karve Nagar, Pune - 411052
    6. V V Bhagwat

      611, Shaniwar Peth, Pune
      7.8

      Life Insurance, Corporate group insurance

      +912249427800

      I have twenty years experience with insurance field.

    7. Sneha Uttam Chavan

      survey number 33, Dighi, Pune
      8.9

      Life Insurance

      We are Insurance agent recruiter for India's largest insurance company. We provide income source opportunity for those who want additional income. We also provide best investment solutions in Insurance to customers according to their investment.

    8. Oodday insurance service

      satara road , Katraj, Pune
      5.3

      Life Insurance, Health insurance

      +912249432300

      my speciality in health insurance as well as health topup insurance .

    9. Ratnamala Mhaske

      Survey No.36 Vanrai Colony Ghansoli, Dhankawadi
      7.7

      Life Insurance, Corporate group insurance

      +912249441230
      Shriman Socity, Karve Nagar, Pune
      7.7

      Life Insurance, Corporate group insurance

      +912249434550

      We are serving people as an insurance Adviser from last 19 yr.1000+ of satisfied coustomers have benefitted from our service.We work as life ,Genral & Mediclaim insurance Adviser. We have recived many awards and accolades for our good service.You can call us for All type of insuranse & work related to insurance..

    Latest Customer Reviews for Life Insurance in Pune

    as on Jul 13, 2020 Average Rating (4) - 569 reviews
    25th Jun, 2020

    Best Health Insurance Services in Pune City. I have taken Family Floater Plan of Star Health Company. It is very beneficial for me & My Family. Very nice Service. Thanks

    0
    12th Feb, 2020

    Inke JAIsa kaam aaj tak maine kahin nahi dekha. Har cheej ka update mil jata hai. Personally good person. All the best

    0
    11th Feb, 2020

    Simply best. What u want is nothing . What you should have is better explained here. No emotional selling . Appreciate

    0
    7th Feb, 2020

    Knowledgeable Team. They do thorough analysis for every individual as need vary for all.

    0
    3rd Jan, 2020

    Afreen I would have given rating in negative. This company is not at all professional we are struggling to get our insurance amount from more than one month after the claim for the case of flood August 2018 and the person (from pune office)are not responding and every time we ask them they are saying its under endorsement and not giving us the exact dead line. Its more than 4 months where flood have distroyed our life and still we have not received our amount .I would like to suggest all of you not to take any insurance policy from this chola company and this company should be boycot its a fraud company.

    0
    12th Dec, 2019

    Very good insurance advisor in hadapsar kindly contact for health insurance giving best offer and also help for insurance claiming

    1
    1st Nov, 2019

    Service and claim settlement process is very nice. All Staff are good.. excellent

    1
    24th Oct, 2019

    No response for the policy which was purchased on 13/9/19. Policy was not generated at the moment, thereafter contacted service team and till date no response through mail or through telephonic call. I contacted the team frequently for the solution but all time the same reply comes as wait for 24 to 48 hrs, which never happened, Worst response from the service team for follow up an issue

    1
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    Recent Enquiries for Life Insurance in Pune

    • Life insurance policy: Term insurance
    • Gender: Male
    • Age: 36 year
    • Insurance policy for: Self
    • Annual income: 6 - 10 lakhs
    • Insurance brand: I am not brand specific / Not sure
    140 days ago
    • Life insurance policy: Term insurance
    • Gender: Female
    • Age: 30
    • Insurance policy for: Self
    • Annual income: 3 - 5 lakhs
    • Insurance brand: LIC
    149 days ago
    • Life insurance policy: Term insurance
    • Gender: Male
    • Age: 36
    • Insurance policy for: Self
    • Annual income: More than 10 lakhs
    • Insurance brand: I am not brand specific / Not sure
    175 days ago
    • Life insurance policy: Term insurance
    • Gender: Male
    • Age: 39
    • Insurance policy for: Self
    • Annual income: 6 - 10 lakhs
    • Insurance brand: I am not brand specific / Not sure
    209 days ago

    Recent Bookings in Insurance

    • Life insurance policy: Term insurance
    • Gender: Male
    • Age: 36 year
    • Insurance policy for: Self
    • Annual income: 6 - 10 lakhs
    • Insurance brand: I am not brand specific / Not sure
    139 days ago
    • Life insurance policy: Money back policy
    • Gender: Male
    • Age: 30
    • Insurance policy for: Self
    • Annual income: 3 - 5 lakhs
    • Insurance brand: I am not brand specific / Not sure
    253 days ago
    • Life insurance policy: Term insurance
    • Gender: Female
    • Age: 29
    • Insurance policy for: Self
    • Annual income: 3 - 5 lakhs
    • Insurance brand: I am not brand specific / Not sure
    357 days ago
    • Life insurance policy: Pension Plans
    • Gender: Male
    • Age: 35
    • Insurance policy for: Self
    • Annual income: Less than 3 lakhs
    673 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 Pune

    • 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