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Life Insurance

  • Your safety is our atmost priority
  • Choose your life cover
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  • We come up with life insurance plans that are well crafted to cover all your insurance needs.

What Is Life Insurance?

In simple terms, it is a financial product that pays you or your dependents a sum of money either after a set period or upon your death as the case may be.

Life is beautiful, but also uncertain. Whatever you do, however smart and hard you work, you are never sure what life has in store for you & therefore We at JK Investment come up with life insurance plans that are well crafted to cover all your insurance needs.

Why You Need Life Insurance Now?

  • Financial Security For Your Family – Dependents get some amount as a payout after your death.

  • Clear Debts – To settle your debt burden
  • Support Your Child – Funds for your child education or wedding with a child plan
  • Supplement Your Retirements – Get a post retirement income.
  • Take loans – Go for low-interest loans against your policy
  • Reduce your tax- Savings in your income tax.

2 Thumb Rules We Follow To Choose A Life Insurance Coverage For you

  • Add up all expenses you want to cover for example – mortgage expenses, child school/college expenses, other miscellaneous expenses
  • From expenses, subtract the amounts that your family could use to cover those expenses -resulting number is your life insurance need

How Do You Get A Policy That Works For Your Needs?

With all of the life insurance options available, it may seem complicated to choose the right one, BUT we make it simple to choose the best option for you.

We listen to your objectives & purpose of your investment.

Based on that we decide between TERM life & PERMANENT life insurance.

TERM LIFE INSURANCE - If you need life insurance for a specific amount of time. For instance, if you want insurance to cover your working years as possible “income replacement” if you were no longer around. It is also a good choice if your budget is limited.

Key Benefits of Term Life Insurance
• Long term Protection
• Lower Premium rates
• High sum assured discounts
• Tax benefits

PERMANENT LIFE INSURANCE - A permanent life insurance policy will last for the duration of your life. If building cash value is important to you, look at permanent life insurance options.

There are 2 main types of PERMANENT INSURANCE
• Whole Life Insurance - The premium remains the same for life, the death benefit is guaranteed
Universal Life Insurance – Provides flexible premiums and death benefits.

Why You Should Invest In Term Insurance Plan?

As there are many plans in life insurance but at JK investment we recommend going with term plans as it offers multiple benefits to customers.

  • Cost-Effective Premiums - You get a high value life cover from by paying an low premium amount. The earlier you buy a term insurance plan, the lower premium amount you have to pay.
  • Critical Illness Coverage – If optional critical illness coverage is included in your plan, you will get a lump sum payout upon checkup of any critical illness that is covered in the plan.
  • Exclusive Life Cover - Term insurance plans offer longer coverage. Whole life insurance plans even offer coverage till the age of 99.
  • Avail Tax Benefits - Everyone is looking for options to save on income tax and premium paid towards a term insurance plan can be a part of tax-saving investments under Section 80C and Section 10(10D).
  • Accidental Death Benefit - You can add the accidental death benefit rider to your term insurance plan. This will offer protection against any mishaps in the future.