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Insurance is an "Indemnity"-contract, i.e to Indemnify the an uncertain loss happens in the future. Insurance policy/plans is there to provide protection for yourself, your investment and your business. Insurance is chiefly a risk-management tool meant to offer financial protection to your dependents in the unfortunate event of your death. If you are adequately insured, your life insurance should enable your dependents – spouse, children or parents – to maintain their current lifestyle and pursue life’s financial goals till the time that they are able to set up an alternate income stream on their own.

Why Choose Us?
  • We offer different kinds of insurance solutions catering to customer’s insurance needs.
  • Our experts evaluate your specific needs and study the risk profile.
  • Based on the results of these evaluations, our experts suggest the most cost effective, integrated insurance package that is specifically suited to your risk profile.
  • Tie-ups with multiple Life & General insurance companies.

Income Tax Advantage
  • Life-Insurance As per INCOME TAX ACT,1961 deduction allowable upto 1,50,000/-p.a u/s sec.80c.
  • Health-Insurance As per INCOME TAX ACT,1961 deduction allowable upto 55,000/-p.a u/s sec.80 D.

Life Insurance

Without health, life is not life; it is only a state of languor and suffering; an image of death. Rising healthcare costs and growing lifestyle diseases have necessitated the need for health insurance as a vital financial tool to address healthcare needs.

Health insurance works as a financial protection tool against medical expenses. It usually provides either direct payment or reimbursement for expenses associated with illness, injuries, and hospitalization, as detailed in the scope of the policy cover. The cost and range of protection provided by a health insurance policy depend on the insurer and the type of policy purchased by you. Some policies also cover pre and post-hospitalization expenses.

Health/Medical Insurance
  • FAMILY FLOATER HEALTH INSURANCE: Family Floater Health Insurance provides health cover for entire family members under a single insurance policy. So, we need not take separate policies for individuals. This provides the same facilities as an individual insurance policy, including in-patient care, pre and post-hospitalization, etc.
  • SENIOR CITIZEN HEALTH INSURANCE: This plan is specifically designed for individuals over the age of 60 years. At this age, medical expenses and health complications increase. So, it's good to take a comprehensive health insurance plan to cover those medical expenses.
  • CRITICAL ILLNESS HEALTH INSURANCE: Critical illnesses include diseases like heart disease, cancer, organ failure, major organ transplant, kidney disease, coma, etc. These diseases have a significant impact on one's health condition. If the policyholder is diagnosed with one of these illnesses, they receive a lump-sum payout.
  • PERSONAL ACCIDENTAL INSURANCE: Accidents can have a profound impact on our health and livelihood, as they affect our physical and mental health. Major accidents could result in death, permanent disability, temporary disability, etc.
Health Insurance

Life insurance is nothing but "insured your life." Life is full of ifs, and one needs to plan to secure their loved ones and themselves against the ifs of life. When you opt for a life insurance plan, you transfer your family's financial risks in case of any unfortunate event to the life insurer. This allows you and your loved ones to live life fearlessly. Life Insurance protects your family's financial well-being from the consequences of living without an income.

  • TERM LIFE INSURANCE: Term Life Insurance plans are designed for specified periods of years, say 10, 15, or 20 years, etc. These are the "cheapest plans" compared to other plans. The main disadvantage is there is "no survival benefit." The policyholder gets the claim amount only when death happens.
  • UNIT LINKED INSURANCE PLAN (ULIP’S): Unit Linked Insurance plans (ULIPs) offer policyholders "life security plus investment opportunity." Premium paid into this policy is bifurcated into two parts, one for the purpose of life insurance and another for the purpose of investment. These policies are 'linked' to market products like mutual funds, bonds, stocks, etc.
  • ENDOWMENT PLAN: Endowment Plan offers "life security plus survival benefit." The main advantage of this plan is the policyholder gets an assured lump sum amount at maturity.
  • WHOLE LIFE POLICY: Whole life policy offers protection for the entire lifetime of an individual. Certain insurers can have an upper age limit for the maturity of the policy, wherein a death benefit is provided to the nominee on the demise of the policyholder. If there is a maturity benefit associated with the plan, a maturity amount will be paid when the policyholder attains the upper age limit associated with the scheme.
  • ANNUITY / PENSION POLICY: Annuity/pension plans can be used by individuals looking to financially secure their retired life. The amount collected in the form of premium is distributed.
  • MONEY BACK POLICY: The insurer pays a certain percentage of the sum insured amount to the policyholder at regular intervals. For example, let's say a 20-year policy, the insurer pays 20% of the sum assured amount after every 5 years and the remaining 40% at the maturity period.
  • CHILD INSURANCE POLICY: A child insurance policy is a combination of saving and investment plan to fulfill their future financial dreams/goals. A child insurance policy allows you to invest from the child's birth age to adult age. Some policies allow you to withdraw your savings at certain intervals.