Life Insurance to secure your family's future.


Why buy Life Insurance?

Life insurance offers financial coverage to the insured's family in the event of the loss and a pre-defined amount is being paid to the nominee. A Life Insurance policy will ensure that your family and the dependants can easily enjoy and can maintain their standard of living in case of any unwanted emergencies.

Death Benefit

Life insurance gives you and your family a secure future. In case of any mis-happening to the insured, the insurer pays up the entire amount i.e. the sum assured plus the bonus, if any to the bereaved family.

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Tax Benfits

Life Insurance offers appealing tax benefits and helps you save money under Section 80C and 10(10)D of the Income Tax Act, 1961 respectively.

Loan Option

Life insurance also provides the advantage of taking a policy loan in case of need. The loan amount that can be taken in a percentage of the cash value or sum assured under policy depending on the policy provisions.

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Return on investment

Most of the life insurance schemes offer bonuses on non-term policies. The money invested in life insurance is safe and covers risks to human life.

Terminal Illness Benefit

Some term insurance plans pay out your entire insurance cover amount i.e. sum assured even before death, if you are diagnosed by a terminal illness as listed in the insurer's policy terms and conditions. It pays out upon diagnosis of a terminal illness.

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Key Add-Ons

Critical Illness

A critical illness rider makes living benefits payable to the insured for medical expenses prior to death. The life insurer offers the rider benefits upon the diagnosis of the covered critical illness.

Accidental Death Benefit

An Accidental Death Benefit Rider is a provision in a Life Insurance policy that can provide an additional payment if your death occurs as the result of an accident. The rider benefit along with the actual sum assured will be paid to the nominee of the policy.

Accidental Permanent and Total Disability

Due to total temporary or permanent disability in case of an accident, if the insured is unable to earn a daily income, this rider provides financial assistance to their family in the form of a monthly income. This rider benefit may vary plan to plan.

Waiver of Premium

If the insured is unable to pay the premium due to death of earning member, waiver of premium rider acts as life savior, as all the future premiums of the life insurance policy will be waived off and the policy will remain in force.

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Risk Janampatri

SafeTree has developed a tool which prepares a Risk Janampatri which defines risk profile and aptitude of the customer.

Customized Plans

SafeTree has compared quotes from various reputed insurers and based on risk profile, age, profession, a customized need-based solution is offered.

Smooth Claim Process

Dedicated team to support smooth claims process and provide complete assistance

Regular Updates

We will provide you support to further strengthen your protection on the changing nature of risk.


Get answers to the most frequently asked questions

The policy you require depends on the needs, when you are young, needs are limited but as you grow you have more responsibility and more dependents attached to you. So, you should choose the best one keeping your future needs in mind.

Sure, purchasing a policy at a particularly at younger age, permit you to avail the insurance plan for low premium.

If you stop paying your life insurance premium, your policy will get lapsed after the end of the grace period.

In case your policy nominee dies before you, then you can add new nominee. In case if you don’t add new nominee, then your legal heir will become your nominee by default.

Life insurance plans such as pension plan/ retirement plan helps to secure your financial future post-retirement.

Insurance providers offer a grace period of 30 days in case a policyholder has missed premium payments.

Premiums for numerous sorts of life insurance policies like whole life insurance stays same, as they do for term insurance plan. However, for term insurance policies, if you want to renew the policy after the coverage period, the rates might also grow to cover the risk of a higher age.

Policy term should be the longest tenure to cover your financial liabilities and provide financial stability to your family. You should choose to be protected till the age of 99 or 85 or 75 as per your needs.

Life insurance policies offer a death benefit, and some provide in-built cash value which can be used to borrow money.

If you have a basic term insurance plan, you will not get your money back at the end of the policy term. However, some insurers offer term insurance plans that provide money back at the end of the term. Such plans come at a higher insurance premium and are called TROP (Term Insurance – Return of Premium).

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