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Life Insurance

Secure Your Future & Protect Your Loved Ones

At Kailash Investment Co., we understand that financial security goes beyond investments—it’s about safeguarding your family’s well-being in the face of life’s uncertainties. Our Insurance solutions, spanning Life and Health, offer comprehensive coverage and peace of mind,ensuring you and your loved ones remain protected under any circumstance.

Get Started with Life Insurance Solutions

Life Insurance

Protect What Matters Most

Term Life Insurance

Comprehensive Protection with Flexible Terms & Enhanced Coverage Options.

Description

  • Offers a high sum assured at affordable premiums.
  • Ensures your family’s financial stability in case of an untimely demise.
  • Choose coverage durations that align with your age and responsibilities.
  • Enhance coverage with critical illness or accidental death benefit riders.

    • Whole Life Insurance

    Long-Term Security with Savings Growth & Estate Planning Benefits.

    Description

  • Protection up to 99 or 100 years of age.
  • Accumulate cash value over time, which can be withdrawn or borrowed against (subject to policy conditions).
  • Ideal for those looking to leave a legacy or cover estate taxes.

    • Endowment Plans

    Secure Life Coverage with Guaranteed Savings & Bonus Benefits.

    Description

  • Combines life cover with a maturity benefit paid at the end of the policy term.
  • Encourages systematic savings over a fixed period.
  • Potential bonuses enhance the maturity amount (varies by plan performance).

    • ULIPs (Unit Linked Insurance Plans)

    Wealth Growth with Market-Linked Returns & Life Protection.

    Description

  • A portion of the premium is invested in equity or debt funds, offering potential for higher returns.
  • Switch between fund options based on market conditions or risk appetite.
  • Provides life cover along with investment growth.

    • Retirement & Pension Plans

    Secure Retirement with Steady Income, Lifelong Coverage & Flexible Annuity Options.

    Description

  • Helps create a steady income stream during your golden years.
  • Some plans provide life cover along with pension benefits.
  • Choose between immediate or deferred annuity, ensuring consistent payouts.

    • Child Plans

    Future-Ready Child Plans with Milestone Payouts & Premium Waiver Benefits.

    Description

  • Designed to fund education or other significant life events.
  • In case of the policyholder’s demise, future premiums may be.
    • waived while the policy continues.
  • Receive payouts at predetermined stages of the child’s life.

    • Health Insurance

    Comprehensive Protection for You & Your Family

    Individual & Family Floater Plans

    Comprehensive Health Coverage with Cashless Access & Flexible Sum Insured.

    Description

  • Avail cashless treatment at partner hospitals nationwide.
  • Includes in-patient, pre, and post-hospitalization costs.
  • Choose a coverage amount that suits your family size and healthcare needs.

    • Critical Illness Plans

    Financial Protection for Critical Illness with Lump Sum Payout & Income Support.

    Description

  • Receive a fixed payout upon diagnosis of listed critical illnesses (e.g., cancer, heart attack).
  • Works alongside your existing health plan to cover high treatment costs.
  • Use the benefit for medical bills or to replace lost income during recovery.

    • Senior Citizen Plans

    Senior-Friendly Health Insurance with Lifelong Renewability & Preventive Care.

    Description

  • Coverage for age-related conditions and higher hospitalization needs.
  • Regular health check-ups and preventive care to maintain well-being.
  • Renew policies without age restrictions (subject to plan terms).

    • Why Choose Kailash Investment Co. for Life Insurance?

    Expert Guidance & Trust

  • Our team is well-versed in insurance regulations and market trends.
  • All policies adhere to IRDAI guidelines, ensuring a secure and transparent process.

    • Diverse Range of Plans

  • From term plans to critical illness, we have solutions for every life stage and need.
  • Opt for monthly, quarterly, or annual payments.

    • Seamless Onboarding & Claims Support

  • Complete the proposal form online or through our advisors with minimal paperwork.
  • Our support team ensures a hassle-free claim settlement process.

    • Tax Benefits

  • Avail deductions on premiums paid for life and health insurance under the Income Tax Act (subject to prevailing tax laws).
  • Maturity proceeds from certain life insurance policies may be exempt from tax (conditions apply).

    • Regular Policy Reviews

  • Modify coverage as you progress through key milestones like marriage, parenthood, or retirement.
  • Enhance existing policies to meet evolving healthcare or financial needs.

    • How to Get Started with Life Insurance

    1. Assess Your Needs

    ○ Determine the right sum assured based on your family’s needs and financial obligations.
    ○ Choose coverage that accounts for pre-existing conditions and potential future risks

    2. Consult Our Advisors (Optional but Recommended)

    ○ Identify the most suitable plans—term, endowment, ULIP, health, etc.
    ○ Decide on a premium payment schedule and policy term aligned with your budget and goals.

    3. Submit Application & KYC

    ○ Fill out the proposal form and provide required documents (ID proof, address proof, medical reports if necessary).
    ○ Certain plans may require a health check-up.

    4. Policy Issuance

    ○ Verify coverage details, exclusions, premium, and riders.
    ○ Choose how you’d like to receive your policy document.

    5. Renew & Update Regularly

    ○ Avoid lapses by renewing before the due date.
    ○ Ensure your policy has the correct beneficiary details at all times.

    Ready to Secure Your Future ?

    Secure Your Future Today!

    Whether it’s protecting your loved ones’ financial future through life insurance or ensuring comprehensive health coverage, Financial Investment Co. offers tailored solutions that adapt to your unique life goals. Get started today and experience the peace of mind that comes with being well-protected.

    ● Phone: +91-9814054501
    ● Email: Info@kailashinvestment.com
    ● Visit: Kailash Investment Company ,  Batala – 143505 Punjab
    ● Apply Online: kailashinvestment.com

    Need More Information ?

    Explore FAQs

    Explore our FAQs below for a deeper understanding of the process, benefits, and important disclaimers.

    Customer Support

    Contact our customer support team for personalized assistance.

    Frequently Asked Questions

    ● Sum Assured & Coverage Period: Ensure the coverage amount is sufficient to meet your family’s financial needs.
    ● Premium Affordability: Choose a plan that you can maintain long-term without straining your budget.
    ● Policy Exclusions & Riders: Review what’s not covered (e.g., suicide clause, pre-existing illnesses) and consider add-ons like critical illness riders.

    ● Life Insurance: Premiums are generally eligible for deductions under Section 80C of the Income Tax Act, subject to limits.
    ● Health Insurance: Premiums may be deductible under Section 80D, including coverage for senior citizens.

    ● Policy Upgrades: Some insurers allow conversion or upgrades (e.g., term to endowment) if the policy terms permit.
    ● Rider Additions: You can often add riders or increase coverage upon certain life events, like marriage or birth of a child.

    ● Life Insurance: Submit a claim form, death certificate, and any additional documents requested by the insurer.
    ● Health Insurance: For cashless claims, use the insurer’s network hospitals; for reimbursement, keep all medical bills and submit them post-treatment.

    ● Grace Period: Insurers typically provide a grace period (15-30 days) to pay overdue premiums.
    ● Policy Lapse & Revival: If the policy lapses, you may still revive it within a specific
    timeframe by paying unpaid premiums and late fees (subject to underwriting and terms).

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