FAQ
You can learn more from our asked questions
you can pick up educational endowment 17 or 19 depending on the age of the child.
if your age is 45 year, you can get 15-year duration policy for investment Linked policy or Anti-inflation policy 15year
The primary purpose of life insurance is to protect people who depend on the insured person, provide peace of mind by assuring that financial loss or hardship will be alleviated for dependents (such as children, wife or husband)in the event of the insured person's death.
You can name whoever you want as your beneficiary.
There is no one kind of life insurance policy that works best in everybody. What’s important for you to figure out what you intend to achieve i.e. protection, protection with investment or investment alone. Also the duration of such policy.
The rate of returns will be agreed on at the inception of the policy noting the prevailing macroeconomic policies.
Yes, you can have multiple policies from the same or different life insurance companies. You can also have multiple policies in different life products.
By using an agent to purchase insurance, the policyholder receives more personal service. An agent with whom there is direct contact can be vital when purchasing a product and absolutely necessary when filing a claim. A local, independent agent is able to deliver quality insurance with competitive pricing and local personalized service.
Determine the amount and type of insurance that you need. The coverage limit of your house should equal 100% of its replacement cost. If your policy limit is less than 80% of the replacement cost of your home, any payment from your insurance company will be less than the full cost to replace your home – you’ll have to pay the rest out of your own pocket. Also, decide if the personal property and personal liability limits are adequate for your needs.
Determine which, if any, additional endorsements you want to add to your policy. For example, do you want the personal property replacement cost endorsement, an earthquake endorsement or a jewelry endorsement?
Once you have decided on the coverage you want in your homeowners insurance policy, consult us. We will be able to help you determine if there are any gaps in coverage you might not have been aware of, explain the details of the policy’s exclusions and limitations as well as recommend an insurance company that will live up to your expectations.
Determine which, if any, additional endorsements you want to add to your policy. For example, do you want the personal property replacement cost endorsement, an earthquake endorsement or a jewelry endorsement?
Once you have decided on the coverage you want in your homeowners insurance policy, consult us. We will be able to help you determine if there are any gaps in coverage you might not have been aware of, explain the details of the policy’s exclusions and limitations as well as recommend an insurance company that will live up to your expectations.
If your damages exceed a certain value of your car (based on a percentage), then your insurance company will decide that your car isn't worth repairing. At this point, the insurance company will cut you a check for the value of the vehicle. Totaling a car doesn't necessarily mean the damages exceed the car's value.
You can own a car without having insurance policy, but you can’t drive it without at least a third party only insurance cover.
A lapse of insurance coverage will impact your driving record if:
The lapse was due to a policy cancelled for non-payment of premium
The driver was convicted of driving without insurance during the lapse in coverage
The lapse was due to a drivers license suspension
The lapse was due to a policy cancelled for misrepresentation or non-disclosure.
The lapse was due to a policy cancelled for non-payment of premium
The driver was convicted of driving without insurance during the lapse in coverage
The lapse was due to a drivers license suspension
The lapse was due to a policy cancelled for misrepresentation or non-disclosure.
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