Insurance
Protection that Stays with You
What Is Insurance?
Insurance is a financial protection tool that helps you manage risks and uncertainties in life. By paying a small premium, you transfer the financial burden of unexpected events—such as death, illness, accidents, or asset damage—to an insurance company. In return, the insurer provides financial compensation or coverage as per the policy terms.
Insurance ensures financial stability, peace of mind, and security for you, your family, and your assets.
Why Is Insurance Important?
Financial Protection
Protects you and your family from large, sudden expenses.
Risk Management
Transfers financial risk from individuals to insurers.
Peace of Mind
Allows you to focus on life without constant worry about uncertainties.
Legal & Social Responsibility
Some insurance types (like motor insurance) are mandatory by law.
Long-Term Financial Planning
Supports goals like family security, healthcare, retirement, and asset protection.
Types of Insurance
Life Insurance
Life insurance provides financial security to your family in case of your unfortunate demise. Some plans also offer savings, investment, and retirement benefits.
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Term Insurance – High coverage at low cost (pure protection)
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Whole Life Insurance – Lifetime coverage
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Endowment Plans – Insurance + savings
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Money Back Plans – Periodic payouts
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ULIPs – Market-linked insurance + investment
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Child Plans – Secure child’s education and future
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Retirement / Pension Plans – Post-retirement income
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Income replacement for family
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Loan and liability coverage
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Wealth creation (select plans)
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Tax benefits under Section 80C & 10(10D)
Health Insurance
Health insurance covers medical expenses related to illness, injury, or hospitalization, helping you manage rising healthcare costs.
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Individual Health Plans
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Family Floater Plans
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Senior Citizen Plans
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Critical Illness Plans
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Top-up & Super Top-up Plans
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Maternity Cover
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Personal Accident Insurance
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Cashless hospitalization
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Coverage for pre & post hospitalization
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No Claim Bonus (NCB)
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Preventive health check-ups
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Tax benefits under Section 80D
General Insurance
General insurance (Non-Life Insurance) protects your assets and liabilities against losses due to accidents, theft, natural disasters, or legal claims.
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Motor Insurance (Car & Two-wheeler)
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Home Insurance
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Travel Insurance
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Personal Accident Insurance
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Gadget Insurance
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Business & Commercial Insurance
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Fire Insurance
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Marine Insurance
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Liability Insurance
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Workmen Compensation
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Cyber Insurance
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Professional Indemnity
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Asset protection
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Legal liability coverage
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Mandatory compliance (motor insurance)
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Customizable add-ons
How Insurance Works
Choose an insurance policy based on your needs.
Pay a premium (monthly/quarterly/annually).
Insurance coverage starts as per policy terms.
In case of an event, file a claim with documents.
Insurer settles the claim as per policy conditions.
Renew the policy to continue protection.
Key Features of Insurance
Risk coverage
Premium-based protection
Customizable plans & riders
Cashless facilities (health & motor)
Tax-saving benefits
Long-term security
How to Choose the Right Insurance
Consider the following:
Your age, income, and dependents
Health condition and lifestyle
Asset value and liabilities
Coverage amount (sum insured)
Policy exclusions and waiting periods
Claim settlement ratio of insurer
Premium affordability
Who Should Buy Insurance?
Individuals with dependents
Working professionals
Families
Senior citizens
Business owners
Vehicle and property owners
Anyone seeking financial security
Insurance is not an expense — it is a financial necessity. Whether it is life insurance for family protection, health insurance for medical security, or general insurance for asset protection, the right insurance plan safeguards your present and secures your future. A well-planned insurance portfolio ensures peace of mind and financial stability in every stage of life.
Investment Solution
Mutual Funds & SIP
A Mutual Fund is an investment vehicle that pools money from multiple investors and invests it in a diversified portfolio of assets such as equities
Fixed Deposit & Corporate FD’s
Fixed Deposits (FDs) have long been a preferred choice for conservative investors seeking assured returns and capital protection. Offered by banks and NBFCs, FDs allow you to deposit
Bonds / NCD
Bonds are fixed-income instruments issued by governments or companies to raise capital, paying periodic interest and returning principal at maturity.
Government Bonds & Debt Instruments
In today’s unpredictable market landscape, many investors look for avenues that offer stability, regular income, and capital preservation.
Insurance
Life Insurance
Life insurance is a financial protection plan that ensures your loved ones remain financially secure in case of your untimely demise.
Health Insurance
Health insurance provides financial protection against medical expenses due to illnesses, accidents, and hospitalization. Even if you are healthy today, medical emergencies can arise at any time.
General Insurance
General Insurance provides financial protection against non-life risks such as accidents, health emergencies, property damage, theft, or liability.
Loans
Loans Against Security
A Loan Against Security is a credit facility where you pledge your financial investments—such as mutual funds, shares, bonds, insurance policies, or fixed deposits
Loans Against Mutual Funds
At Wealthmart Global, our Loans Against Securities (LAS) solution empowers you to access funds without having to liquidate your long-term investments.