Life insurance is a contract between the policyholder and the insurer where the insurer promises to pay a fixed sum to the nominee in case of the policyholder's demise during the policy term. In addition to protection, some life insurance plans offer savings, investment opportunities, or retirement planning features depending on the plan type.

Types of Life Insurance
Term Insurance

  • Pure protection plan
  • Offers high coverage at low premium
  • Pays death benefit to nominee
  • No maturity value unless return of premium is chosen

Traditional Plans (Endowment & Whole Life)

  • Combines savings and insurance
  • Offers guaranteed returns with bonus
  • Provides maturity benefit if the policyholder survives the term
  • Suitable for conservative savers

ULIP (Unit Linked Insurance Plan)

  • Combines life cover and market-linked investment
  • Policyholder can choose funds (equity, debt or balanced)
  • Returns depend on market performance
  • Flexibility to switch between funds

Key Features

  • Financial Protection : Life insurance ensures financial support to dependents in your absence.
  • Tax Benefits  : Premiums paid and benefits received may be eligible for tax deductions as per prevailing tax laws.
  • Long-term Savings : Traditional and ULIP plans help build wealth over time along with insurance cover.
  • Flexible Policy Terms : Choose policy duration and premium payment terms as per your convenience.
  • Customizable Add-ons : Add riders like accidental death benefit, critical illness, or waiver of premium for enhanced protection.
  • Wealth Creation with ULIPs : Opportunity to grow your investment based on market-linked returns.

Life insurance is more than just a policy – it is a promise of security and peace of mind for your loved ones. Whether you want protection, savings, or investment growth, Bhargava Capital offers life insurance solutions that are tailored to meet your goals.

Arjun Das

Arjun Das

Highly recommended for unwavering financial security and remarkable growth. They've entirely transformed my financial landscape, providing unmatched expertise, valuable insights, and outstanding service. I am exceptionally satisfied with their consistently exceptional services that have significantly contributed to my financial achievements.

 

Vikram Bajaj

Vikram Bajaj

Their remarkable guidance is truly a game-changer. Highly recommend them for their unwavering trustworthiness, results-driven approach, and genuine commitment to making my cherished financial dreams come true, and securing my bright and prosperous future. Their consistent dedication is highly commendable.

 

Neha Gupta

Neha Gupta

Impressed with their financial expertise, they've significantly boosted my investments, leading me to financial success. Highly recommended for stability and growth. Their consistent dedication and commitment to my financial success have significantly contributed to my financial achievements, and I can vouch for their exceptional services.