Comprehensive Term Life, Super-Top-Up Health & Asset Protection

Section 6 of the Married Women's Property Act, 1874 ensures that the insurance claim proceeds of a life insurance policy are held in trust exclusively for the benefit of your wife and children. Crucially, the proceeds cannot be attached by courts, creditors, tax authorities, or business liabilities.

A Super Top-Up policy provides high health cover (e.g. ₹50 Lakhs to ₹1 Crore) at a fraction of the cost of a standard policy by applying a deductible (e.g. ₹5 Lakhs). Your base corporate or personal policy covers expenses up to ₹5 Lakhs, and the Super Top-Up covers all cumulative expenses beyond that threshold.

Yes. You can claim tax deductions up to ₹25,000 for health insurance premiums paid for yourself, spouse, and dependent children. An additional deduction of up to ₹25,000 (or ₹50,000 if parents are senior citizens aged 60+) is available for parents' health coverage.

In a pure term insurance policy, premiums cover the cost of life risk; if you survive the term, no money is returned. This structure is precisely why pure term insurance is extremely affordable (e.g. ₹1 Crore cover for ~₹1,000/month). We advise against Return of Premium (TROP) plans because the extra premium is far better invested in equity mutual funds.