Life insurance plans secure your family’s future during uncertainties. A trusted life insurance agency helps you choose the right cover. Investing in it ensures peace of mind and financial stability.
A life insurance plan is a formal contract between an individual and an insurer. The insurer commits to paying a designated sum to the policyholder’s beneficiaries in case of the policyholder’s demise within the policy term. The policyholder pays premiums regularly to maintain the policy.
Some life insurance agencies can also help you choose policies that offer additional benefits like critical illness coverage and accident protection.
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Life Insurance Policy Type
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Coverage Details
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Term Life Insurance Policy
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Pure risk protection
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Endowment Life Insurance Policy
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Insurance Cover+ Savings
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Non-Linked Participating Endowment Plan
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Insurance Cover + Bonuses
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Unit Linked Insurance Plans (ULIP)
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Insurance Cover + Investment Advantage
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Non-Participating Non-Linked Endowment Plan
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Fixed coverage without bonus
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Retirement Plan
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Insurance + Retirement savings
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Child Plan
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Insurance + Child’s Investment Benefit
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Life is uncertain; be prepared in advance with our support.
It is the person who is covered under the insurance policy.
It is a person applying, paying premiums, and initiating a life insurance policy contract.
A person designated to receive the life insurance payout after the policyholder’s death.
The company that provides insurance coverage and pays claims to policyholders’ beneficiaries.
The sum assured is paid to the nominee if the policyholder passes away.
Amount paid if the policyholder survives the policy term’s full
duration.
Regular payments are made to the insurer to keep the policy active and valid.
Duration over which the policyholder pays premiums to the insurer continuously.
Total duration of insurance coverage during which the insured is protected and the policy's benefits are payable.
Protect your loved ones’ future with guaranteed financial security. Enjoy peace of mind knowing life’s uncertainties are covered.
Many lenders require collateral when approving loans. Life insurance policies can serve as security for such loans, helping you access funds at more favorable interest rates when needed. Consulting a life insurance advisor can guide you on using your policy effectively as collateral.
Life insurance companies often provide special discounts for online purchases. If you buy your policy online, you might receive a reduced premium. Some policies also offer discounts when payments are made through select banks. Local LIC agents in Ahmedabad can also help you find the best online and offline options.
You can choose how frequently you want to pay your insurance premiums – monthly, half-yearly, or yearly. Different payment schedules may come with unique discounts. Reach out to a life insurance agency or a life insurance agent in Ahmedabad to explore payment options that offer the best savings.
Life insurance policies can help you reduce your taxable income. Under Section 80C of the Income Tax Act, 1961, you can claim deductions of up to ₹1.5 lakh per financial year on premiums paid. Additionally, payouts from life insurance policies are generally tax-free under Section 10(10D), subject to certain conditions. Discuss these benefits in detail with a life insurance advisor.
Clarify your life goals before choosing a policy. A life insurance agent in Ahmedabad can help tailor the plan to your needs.
Younger individuals typically pay lower premiums.
Ensure your coverage can settle your debts.
A life insurance policy can provide a consistent income for your family.
Evaluate how many years of work you have remaining to choose the right coverage.
At DSFS, we stand on a legacy built over three generations as one of Gujarat’s most admired, trusted, and respected financial services companies. Our mission is simple yet powerful: To Understand, To Create & To Make an ideal financial future for our clients.
The foundation of trust, protection, and financial security for life’s uncertainties.
Guiding every policyholder with fairness, transparency, and peace of mind.
The policyholder must have a financial or emotional relationship with the insured, meaning they would face a genuine loss if the insured dies.
Insurance aims to distribute and minimize individual financial risk by pooling it among many policyholders.
Both parties (insurer and insured) must honestly disclose all relevant information; full transparency is essential.
By insuring many people, insurers can predict risks more accurately and set fair premiums.
We offer plans suitable for all age groups and life stages:
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AgeGroup
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Financial Focus
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|---|---|
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20 to 30 years
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Secure your future early by starting life insurance at a low premium. Building wealth and protection from a young age gives you long-term financial stability.
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30 to 40 years
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Protect your family while planning for major life expenses like home loans, children’s education, and future savings. This is a crucial protection phase.
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40 to 50 years
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Prioritize building a solid retirement corpus while maintaining life cover. This is the time to focus on long-term wealth accumulation and financial growth.
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50+ years
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Focus on securing your financial independence and maximizing tax-saving opportunities. Life insurance can help with estate planning and covering medical emergencies.
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You can consult DSFS to find the best options for your stage of life.
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A general insurance policy is an agreement between you and the insurance company where you pay a premium to get financial protection against risks like accidents, health issues, health insurance expenses, vehicle damage, theft, or property loss. It helps you cover unexpected costs, especially those related to medical emergencies, through health insurance.
General insurance is important because it protects you from sudden financial losses. Whether it’s a car accident, hospital bill, health insurance claim, travel emergency, or home damage, general insurance, especially health insurance, helps you manage costs so you don’t have to pay everything out of your pocket.
You should buy general insurance as soon as you have something valuable to protect like your health with health insurance, your vehicle, your home, or when you start traveling. The earlier you get covered, especially with a health insurance plan, the safer you are from life’s unexpected problems.
There are many types of general insurance, such as health insurance, motor insurance (for cars and bikes), travel insurance, home insurance, fire insurance, and personal accident insurance. Among these, health insurance is one of the most essential as it protects you from rising medical costs and provides coverage during health emergencies.
If you face a loss covered by your policy, such as a medical expense under health insurance or damage to your vehicle, you need to inform the insurance company immediately. Submit the required documents and complete a claim form. The company will verify your details, and once approved, your claim amount will be paid or the expenses will be directly settled, especially in the case of cashless health insurance policies.
At DSFS Wealth LLP, we help you make smarter financial choices. From mutual funds and insurance to retirement planning and investment strategies, we’re here to grow and secure your wealth.
Book your consultation with experts for customised financial advice, smart investment plans, and tax-efficient wealth solutions.
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Financial investments are subject to market risks. Please read all scheme-related documents carefully before investing.
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