Term Insurance

Pure protection life insurance providing high coverage at affordable premiums for a defined period.

Overview

Term insurance is the most fundamental form of life insurance — providing a death benefit to nominees if the insured passes away during the policy term. Mr. Jana helps you select the optimal sum assured, term length and rider options based on your financial obligations.

What's Included

1. Term plan comparison and selection

2. Sum assured calculation advisory

3. Rider options (critical illness, accidental death)

4. Premium payment mode optimisation

5. Nominee and assignment guidance

6. Claim settlement support

7. Policy review and enhancement

8. Group term insurance for businesses

Frequently Asked Questions

What is term insurance?

Term insurance is pure life cover — if the insured dies during the policy term, the sum assured is paid to the nominee. It does not have a maturity or survival benefit.

How much cover do I need?

A general guideline is 10–15 times your annual income, adjusted for liabilities, dependents and future financial goals.

What are riders in term insurance?

Riders are add-on benefits like critical illness cover, accidental death benefit and waiver of premium that enhance the base policy.

At what age should I buy term insurance?

The earlier the better — premiums are significantly lower when purchased at a younger age. Most policies are available from age 18.

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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