Life Insurance

Life insurance contracts combining protection with savings, investment and wealth creation components.

Overview

Beyond pure term cover, life insurance encompasses endowment plans, ULIPs, money-back policies and whole life plans. Mr. Jana provides advisory across all life insurance product categories to align coverage with your long-term financial planning goals.

What's Included

1. Endowment plan advisory

2. ULIP (Unit Linked Insurance Plan) comparison

3. Whole life insurance planning

4. Money-back policy assessment

5. Child plan and education planning

6. Pension and retirement plans

7. Policy review and surrender advisory

8. Claim settlement assistance

Frequently Asked Questions

What is the difference between term and life insurance?

Term insurance provides pure death cover. Traditional life insurance combines protection with savings/investment components and offers maturity benefits.

What is a ULIP?

A ULIP is a market-linked insurance product where part of the premium goes toward life cover and the rest is invested in equity, debt or balanced funds.

Can I surrender my life insurance policy?

Yes, after the lock-in period (typically 3–5 years). Advisory is provided on surrender value versus continuation benefits.

Are life insurance premiums tax deductible?

Yes. Premiums up to ₹1.5 lakh are deductible under Section 80C. Maturity proceeds may be tax-free under Section 10(10D) subject to conditions.

If you need clear advisory support, Mr. Jana is ready to help with a measured and professional approach.

Let us help you! Call Now : +91-8100257224

janaassociate.services@gmail.com

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