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Complete Financial Security with Life Insurance

At FINVIEW, we help you understand comprehensive life insurance solutions that combine protection with investment opportunities. Life insurance provides death benefit coverage while allowing your money to grow through investment returns.

Life insurance goes beyond protection—it builds wealth for your family's future. We guide you through various life insurance products including endowment policies, universal life insurance, and whole life plans to meet your protection and savings goals.

Life Insurance Product Features

  1. Death Benefit:
    1. Guaranteed lump sum payment to beneficiaries upon the insured's death, providing immediate financial relief.
  2. Maturity Benefit:
    1. Cash payout at policy maturity if the insured survives the policy term, combining protection with savings.
  3. Bonus Structure:
    1. Regular bonuses and terminal bonus distributed based on company's financial performance.
  4. Policy Loan:
    1. Ability to borrow against policy's cash value for emergencies without surrendering the policy.
  5. Surrender Value:
    1. Cash value available if you decide to discontinue the policy after specified years.
  6. Rider Options:
    1. Add critical illness, accidental death, or disability waiver riders for enhanced protection.
  7. Premium Flexibility:
    1. Options for regular payment, limited payment period, or single premium payment modes.
  8. Tax Benefits:
    1. Premiums qualify for income tax deduction; maturity proceeds and bonuses are tax-free.

Advantages

  • Protection and Savings Combined
  • Guaranteed Returns
  • Bonus Accumulation
  • Policy Loan Facility
  • Tax-Free Maturity Benefits
  • Flexible Premium Options

Disadvantages

  • Higher Premium Costs
  • Lower Returns vs. Direct Investment
  • Complex Policy Terms
  • Long Lock-in Period
  • Surrender Charges if Discontinued Early
  • Limited Liquidity

Life insurance serves as a powerful tool for wealth creation and family protection. By combining death benefits with investment growth, you ensure your family is financially secure while building long-term wealth for the future.

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