Investment
Insurance Products
Purus ante maximus per rutrum et neque semper mattis luctus proin curae sed
Problem Faced
Will my family get the claim without hassle when something happens to me?
We help you choose an insurance company with a high claim settlement ratio and guide you through the claim process to ensure a hassle-free claim payment.
How To Protect Money
Protecting my family and providing value for money
Insurance is the only product where you pay in pennies and receive in Pounds. It offers a high-value proposition at a lower price for family security.
Peace of mind comes when you are
Key points for Wealth Protection
- Create Financial Security with Insurance
- Protect Your Wealth with Insurance Planning
- Buy a Term Plan with a minimum premium
- Fulfill your family responsibilities with Adequate Life Insurance
3 important points to select an Insurance Company
C – Claim Settlement Ratio
S – Solvency Ratio
R – Renewal Persistency Ratio
Insurance Planning Process
Needs Assessment
Assess your insurance needs based on financial goals, lifestyle, and risk factors.
01
Coverage Evaluation
Evaluate and select insurance products tailored to your specific requirements.
02
Personalized Insurance Solution
Curate a combination of plans to meet your requirements with more coverage
03
Easy Online Application
Smooth online application from anywhere in the World
04
Ongoing Review and Adjustments
Regularly review insurance coverage, making adjustments as needed to ensure continuous protection.
05
Life Changes Assessment
Continuously assess life changes, such as milestones or shifts in circumstances, and adjust insurance coverage accordingly to maintain optimal protection.
06
Needs Assessment
Assess your insurance needs based on financial goals, lifestyle, and risk factors.
Coverage Evaluation
Evaluate and select insurance products tailored to your specific requirements.
Personalized Insurance Solution
Curate a combination of plans to meet your requirements with more coverage
Easy Online Application
Smooth online application from anywhere in the World
Ongoing Review and Adjustments
Regularly review insurance coverage, making adjustments as needed to ensure continuous protection.
Life Changes Assessment
Continuously assess life changes, such as milestones or shifts in circumstances, and adjust insurance coverage accordingly to maintain optimal protection.
Needs Assessment
Assess your insurance needs based on financial goals, lifestyle, and risk factors.
Coverage Evaluation
Evaluate and select insurance products tailored to your specific requirements.
Personalized Insurance Solution
Curate a combination of plans to meet your requirements with more coverage
Easy Online Application
Smooth online application from anywhere in the World
Ongoing Review and Adjustments
Regularly review insurance coverage, making adjustments as needed to ensure continuous protection.
Life Changes Assessment
Continuously assess life changes, such as milestones or shifts in circumstances, and adjust insurance coverage accordingly to maintain optimal protection.
A Term Life Insurance Plan in India is the simplest and most affordable way to secure your family’s future. It provides a high life cover at a low premium, ensuring your loved ones are financially protected in case of an unfortunate event. With benefits like covering outstanding loans, funding children’s education, and supporting daily expenses, a term plan is a must-have for anyone with financial dependents. It is widely considered the best life insurance product for long-term security at the lowest cost.
Most leading insurers in India have a strong claim settlement ratio, giving policyholders confidence that their family will receive the promised support without hassle. Modern term insurance plans also offer features like riders for critical illness, accidental cover, and flexible premium payment options. Choosing the best term plan in India not only ensures financial stability for your family but also gives you peace of mind knowing you’ve built a solid safety net for the future.
Term Plan Options - Comparison
Options
How It Works
Best For
Pros
Cons
Lump-Sum Payout
Entire sum assured paid at once
Families with loans, immediate large expenses
Immediate full financial support
Risk of misuse or fast spending
Monthly Income Pay
Fixed monthly income for a defined period
Families needing steady income
Ensures regular cash flow
No large immediate amount
Lump-Sum + Monthly Income
Part paid upfront + part as monthly income
Balance of immediate needs + future expenses
Covers both urgent needs & long-term support
Slightly higher premium
Increasing Cover
Sum assured increases annually (e.g. 5%-10%)
Young buyers, inflation protection
Keeps pace with inflation
Premium may be higher initially
Return of Premium
All premiums refunded if policyholder survives
Buyers who want money back at maturity
No loss of money at end
Premiums much higher than pure term
“For educational purposes only – verify product details before investing.”
Health Insurance
Health Insurance helps policyholders access quality healthcare without worrying about high treatment costs. It is a financial safety net that covers medical expenses arising from illnesses, accidents, or hospitalizations in exchange for a regular premium. The benefits include cashless hospitalization at network hospitals, reimbursement for medical bills, coverage of pre- and post-hospitalization expenses, day-care procedures, and ambulance charges. Additionally, policyholders enjoy a No-Claim Bonus (NCB) for claim-free years, tax benefits under Section 80D of the Income Tax Act, and lifelong renewability as per IRDAI guidelines—making health insurance a vital tool for both financial protection and peace of mind.
Claims worth 52.50 Lakh Paid in Last Year for 30 plus clients with 100% claim settlement
Personal Accident Insurance & Weekly Compensation Plans
A Personal Accidental Insurance Policy with Weekly Temporary Total Disability (TTD) benefits provides financial protection against unforeseen accidents that may result in death, permanent disability, or temporary income loss. Its standout feature is the Weekly TTD benefit, which offers a fixed weekly payout (up to a specified limit) if the insured is temporarily unable to work due to an accident, ensuring income continuity during recovery.
Weekly compensation of 3Lakh plus have been paid in last year
Corporate Group insurance for Medical/ Accident / Life
Secure your team with Group Medical, Group Accident, and Group Life Insurance at affordable premiums. These policies not only protect employees and their families from unexpected health and accident risks but also boost employee satisfaction, loyalty, and overall workplace well-being. The benefits of this plan are the same as those of personal health insurance, accident insurance, and life insurance, and it also offers the option to add more benefits at lower premiums.
Travel Insurance
Travel Insurance provides peace of mind by taking care of unexpected costs, especially in countries with high healthcare expenses. Â This policy covers risks and expenses arising during domestic or international trips, ensuring financial security against unforeseen events such as medical emergencies, trip cancellations or delays, lost baggage, loss of passport, accidental injuries, or personal liability abroad. This policy is best suited for those who are traveling for leisure, business, or study.
Client Testimonial on Wealth Protection
FAQs
Lorem ipsum dolor sit amet, consectetur adipiscing elit.
Mauris eros dolor pellentesque sed luctus dapibus lobortis orci.
Can NRI/OCI apply for insurance online from their country of residence, and what documents are required?
Yes, NRI/OCI can apply for Life Insurance and Family Health Insurance from their country of residence through online application mode. List of documents keep on changing from time to time, however we require basic KYC documents with international address proof, Visa, Tax Residency Certificate and Income proof. Pancard and Adhar card is not mandatory for OCIs.
What types of insurance products do you offer?
Our insurance products cater to all your needs, including life insurance, health insurance, critical illness plans, personal accident coverage, travel insurance, group insurance, property insurance, professional indemnity, fire insurance, and many more, tailored to your specific requirements.
Do you assist clients in the claims process?
We provide dedicated support in navigating the claims process, ensuring a smooth and hassle-free experience during challenging times.
How often should I review my insurance coverage ?
One should review there insurance coverage at least once a year. This will help you update KYC information, nominations, and add riders or change premium payment mode.
What are the key considerations in selecting the right insurance amount?
Your Income is the Key Consideration to determine how much you should be covered. We recommend Life Cover of 15 times of your income and medical insurance of at least 5 times of annual income. Post income, good health is also an important factor to ensure.
What makes you stand out in insurance
advisory services?
Our need analysis process and 23 years of experience set us apart in the market. Our prompt services for renewals and claims make us the most preferred partner for insurance purchases. Our Annual Review process encourages clients to provide ongoing referrals.
Which are the insurances one should consider for insurance planning?
One should have basic insurance coverage like Life Insurance, Health Insurance, and Personal Accident Insurance. Many also consider Critical Illness Coverage and Parents’ Medical Insurance as part of their insurance planning. In fact, Property and Motor Insurance are also essential and very necessary.
Will my premium increase with age?
Yes, the premium will increase with your age. Earlier you buy it is better for you.
NRIs/OCIs can buy Insurance from India?
Yes, NRIs and OCIs can buy insurance from India, and it provides them with global coverage. In fact, many NRIs prefer term plans from India due to the lower premium rates compared to most other places. High governance and a higher claim settlement ratio also attract them.
Why is having insurance essential ?
Insurance is essential for safeguarding against unexpected events, offering financial protection, and helping you preserve your wealth.
*Disclaimer: The above information is for educational purposes only. Please consult with us to understand product suitability before investing.
To Get a Free Investment Planning Done, fill below details
Pages
Get in Touch
- www.shreejifinancial.com
- Shreejiforu@gmail.com
- +91 9769832393
Copyright© 2025 Shreeji Financials. All rights reserved.