Saturday, 16 November 2024
98453 44950 / 86606 65616
Saturday, 16 November 2024
98453 44950 / 86606 65616
We all want to ensure that our loved ones are never short in terms of financial resources to live the life of their dreams. While no one can foresee our future, we can definitely make plans to ensure that the dreams of our loved ones are never compromised, thereby providing a strong 'foundation' of financial security for them.
Through most reputed Life Insurance Corporate, we guide you for pure term insurance plan that provides financial protection to your family and offers you the flexibility to choose the plan that suits your need at the most competitive price.
You may opt to receive either a Lump Sum benefit on Death or Lump Sum benefit on Death and Monthly Income for next 10 years while also enjoying the flexibility to enhance your life cover.
We also help you to avail term plan for the whole life (Upto age 100), thereby you can effectively plan your estate /legacy creation.
We Provide Excellent Protection Solutions from Reputed top Corporates
Financial planning is the key to fulfilling your dreams and aspirations. From providing for your family to buying a home or a car, good planning ensures lifetime financial security for your family, even in case of an unfortunate event of the death of an earning member of your family. The sign of a sound financial plan is the inclusion of adequate life insurance coverage in the plan, with an element of savings built along side.
Life Insurance is also an important saving instrument. Insurance saving plans can help you organise specific needs like saving for your child's education, marriage, settlement in life, purchase of a house, retirement and other financial goals.
Specific Benefits of resorting to Saving solutions through life Insurance organisation includes your life cover alongside savings, Tax free Income, Guaranteed & consistent income intact by interest rates & protection of your interested through IRDAI. (Insurance Regulatory Development Authority of India).
We Provide Excellent Savings Solutions from Reputed top Corporates
With the rising life expectancy stretching to late 70’s or early 80’s, the average retirement years are also on the rise. You can therefore define retirement as a period for personal reinvention.
It is important to look back at the early stages of your life when you worked hard to build an adequate corpus which would provide you and your family with the comforts of life. To ensure the current lifestyle is maintained even after you stop working, it is imperative to carefully plan your savings so as to enjoy your golden years! Life after retirement is not only about money, medicine or health; but also leisure for those who want to spend their retirement by golfing, gardening or travelling.
Right financial planning at the right time will help you continue to enjoy the benefits even during retirement.
We Provide Excellent Retirement Solutions from Reputed top Corporates
We have all the mutual fund schemes on offer by virtually all the Asset Management Companies (AMCs) in the country. As a client, you can access any scheme with us, either in physical mode or even in a demat /stock-exchange mode with Trading Account services.
Mutual Funds helps your investments plans mainly for long term goals. Mutual funds provides excellent appreciation of capital in the long run. You have the option of lump sum as well as Systematic Investment Plan (SIP), options through which you can build your corpus for future financial needs like Retirement, Child Higher education, Child marriage, etc.
A mutual fund is an investment vehicle made up of a pool of funds collected from many investors for the purpose of investing in assets and securities such as stocks, bonds or money market instruments.
Mutual funds are created as baskets of investments, which invest into financial instruments like stocks and bonds according to their defined investment objectives. Investing in them allows an investor to gain access to asset classes like equities, bonds or fixed income securities, commodities, and even bullion.
Built-in diversification. When you buy a mutual fund, your money is combined with the money from other investors, and allows you to buy part of a pool of investments. A mutual fund holds a variety of investments which can make it easier for investors to diversify than through ownership of individual stocks or bonds.
By pooling individual investors' small investments, mutual funds enable them to hold diversified portfolios (combinations) of debt securities and equity securities. They are also beneficial to individuals who prefer to let mutual funds make their investment decisions for them
Various types of Mutual Funds exist to cater to different needs of different clients. Largely, they are of three types.
These invest predominantly in equities i.e. shares of companies The primary objective is wealth creation or capital appreciation. They have the potential to generate higher return and are best for long term investments. Examples would be
These invest in Fixed Income Securities, like Government Securities or Bonds, Commercial Papers and Debentures, Bank Certificates of Deposits and Money Market instruments like Treasury Bills, Commercial Paper, etc. These are relatively safer investments and are suitable for Income Generation. Examples would be Liquid, Short Term, Floating Rate, Corporate Debt, Dynamic Bond, Gilt Funds, etc.
These invest in both Equities and Fixed Income, thus offering the best of both, Growth Potential as well as Income Generation. Examples would be Aggressive Balanced Funds, Conservative Balanced Funds, Pension Plans, Child Plans and Monthly Income Plans, etc.
Systematic Investment Plan (SIP) is an investment route offered by Mutual Funds wherein one can invest a fixed amount in a Mutual Fund scheme at regular intervals– say once a month or once a quarter, instead of making a lump-sum investment. The installment amount could be as little as INR 500 a month and is similar to a recurring deposit. It’s convenient as you can give your bank standing instructions to debit the amount every month. SIP has been gaining popularity among Indian MF investors, as it helps in investing in a disciplined manner without worrying about market volatility and timing the market. Systematic Investment Plans offered by Mutual Funds are easily the best way to enter the world of investments for the long term. It is very important to invest for the long-term, which means that you should start investing early, in order to maximize the end returns. So your mantra should be - Start Early, Invest Regularly to get the best out of your investments.
We provide excellent Mutual Fund solutions from all Mutual Fund houses
We provide to our customers “E-Wealth Account ” through NJ India, for smooth and real time mutual fund related investments & other transactions which are mobile & Computer enabled.
The Types of products provided under PMS as follows:
The Portfolio objective is to generate capital appreciation in medium to long term by investing in well-established companies.
Portfolio would consist of 15 stocks. The portfolio is unbiased towards the market caps and is also sector agnostic.
The objective of the portfolio strategy is to generate capital appreciation in the medium to long term through investments in equity oriented exchange traded funds (ETFs).
Portfolio would consist of a basket of ETFs tracking various indices.
The investment objective is to provide long term capital appreciation with lower volatility through dynamically managed portfolio of equity and debt securities.
Portfolio would consist of 15 stocks and debt / arbitrage funds. The equity portfolio is unbiased towards the market caps and is also sector agnostic.
The investment objective is to provide long term capital appreciation while focusing on creating a dynamic asset allocation approach in allocating the capital into efficient and well performing ETFs and arbitrage funds.
Portfolio would consist of ETF portfolio and debt / arbitrage funds.
We Provide Portfolio Management Service (PMS) through NJ PMS Platform, which is managed by NJ Advisory Services Pvt Ltd (NJAS).
Life is about experiencing every good bit of it throughout one's lifetime; be it a walk in the park with your parents or building memories of playing with your little one. We understand that these experiences can be truly rejoiced when one lives a healthy life without having to worry about any unforeseen medical issues.
We Provide Comprehensive Health Insurance Plan that helps safeguard you & your family against financial risks arising out of a medical emergency. With our product, you can be assured that while you're unwell; we'll take up all the hassles related to your treatment so that you can stay worry free and focus only on your recovery.
The below are the highlights of the Health Insurance Products of the esteemed Health Insurance Company we are associated with:
We understand that the meter doesn't start from hospitalization but from the time of diagnosis and goes on even post discharge. We stand with you throughout the journey and not just for an event.
The procedures that you undergo before getting hospitalized finally lead you to a hospital, such as investigative tests and routine medication, can be quite financially draining. We cover the medical expenses incurred by you up to 30 days before your hospitalization.
It's our utmost concern that you get the medical attention, you require as soon as possible, especially in an emergency. Which is why, we reimburse expenses incurred by you while availing a domestic road ambulance during your hospitalization. Not just this, some plans of our product also offers coverage for availing an Air Ambulance if suggested by a doctor.
We pay for – room charges, nursing expenses and intensive care unit charges, surgeon's fee, doctor's fee, anaesthesia, blood, oxygen, operation theatre charges, etc.; If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours.
We cover medical expenses if you undergo a day care treatment which might not require you to stay hospitalized for 24 hours or more. As a matter of fact we cover over 540+ day care procedures.
We reimburse every expense occurred while you're staying in single or private room. You can also upgrade your room should there be a need to and is recommended by a treating doctor.
In time of an emergency we believe your focus should be only on your recovery. Hence we take care of those ICU charges that come in your way of getting a quality treatment.
Expenses don't end once you're discharged which is why even we don't rest unless you're completely ready to take all the challenges of life head on. We reimburse expenses such as doctor consultations, Diagnostic tests, medications etc that you incur up to 60 days post your hospitalization.
In case of an emergency or a medical condition that does not allow you to get admitted in a hospital, we provide coverage for medical expenses incurred during your treatment at home for a period exceeding 3 consecutive days. So nothing should delay the treatment you deserve.
We believe in the old adage that an ounce of prevention is better than a pound of cure. This is why we give an Annual Health Check-up for yourself and all members covered by your policy, including children.
Keep your worries regarding medical expenses outside the door with Automatic Recharge of Sum insured. If you ever run out of your health cover due to claims made, we will reinstate the entire Sum Insured amount of your policy. This additional amount can be used by you for any other ailment or by any other insured member for treatment of any ailment.
We raise a cheer to good health for every year that you don't claim by increasing your Sum Insured by 10%, up to a maximum of 50% in consecutive 5 years.
We care about those who help you as much as we care for you. So, beyond ensuring that your medical needs are met, we will reimburse you for medical expenses that are incurred by an organ donor while undergoing the organ transplant surgery.
Sometimes reassurance works better than the cure itself. Which is why if, at any moment you feel uncertain about your diagnosis, you can opt for a second opinion at no extra cost specially arranged by us.
All our plans come with no upper age limit of enrollment i.e. even if a person is 100 years old, they can definitely apply.
We don't leave you in between the journey and honor our commitment by giving our customers option of lifelong renewability i.e. once enrolled an individual can continue to stay covered throughout one's life, provided they renew their policy on time every year.
We understand that sometimes non-allopathic treatments may prove to be more effective. Whether it is Ayurveda, Unani, Sidha or Homeopathy, choose the treatment that suits you and we will cover it up to a specified limit and varies according to the plan chosen.
Our Insurance provided has excellent product for existing Cardiac patients and Diabetic patients, covering the health, subject to certain term and conditions.
We Provide Excellent Medical/Health Insurance Policies for Indivisuals and Family from Reputed top Corporates.
We also Provide Group Health Insurance Policies for Corporates.
Thanks to healthier lifestyles and breakthroughs in medical technology, life expectancy has increased significantly since the onset of industrialization and modernization. While Indians are living longer than they were two decades ago, lifestyle disorders are gaining prominence due higher work stress, sedentary lifestyle amongst other factors. Healthcare costs are rising 2-3 times faster than inflation. Unless one is financially prepared, overlooking the impact of out-of-pocket spending on health care expenses can put strain on your other savings With Health Solutions, you can ensure you're not withdrawing money from your living expenses assets, or adjusting your standard of living to pay for health care in the future for any major critical illness.
We Provide Excellent Critical Health Cover Policies from Reputed top Corporates.
They say, travelling makes you a storyteller. We ensure your employees only have happy stories to share. Give them the comfort of Group Explore our Travel Insurance on their next work-trip both International or Domestic.
We provide excellent Travel Insurance Policies for Indivisuals and Gropups from Top Corporates.
Truly Comprehensive Personal Accident cover with broad range of features, add-on benefits, hassle free procedures & thoughtful services
Journey of life is not smooth and some things cannot be predicted for such as an unfortunate accident. That’s why your employees/customers need Group Secure – Personal Accident Insurance so that life’s big or small surprises never pull you down.
We Provide Excellent Personal Accident Cover Policies for Indivisuals and Groups from Reputed top Corporates.
We all think that simply buying a term insurance policy will ensure the well-being of our family, specifically wife and children in case of any unforeseen events. Merely buying a life insurance cover alone will not necessarily ensure that your loved ones get the insurance amount in the event of your death. Your term life insurance claim money may never reach your nominee or beneficiary.
It can be taken by your relatives or people who you may owe money (also called creditors) in your absence. You can ensure that the sum assured is indeed passed on to your wife and children by taking a term insurance plan under MWP Act.
For a married, male policyholder, availing a term insurance plan, Married Women's Property Act 1874 (MWP Act) helps in protecting your family's financial interests in your absence. Once a policy is availed under the MWP Act, it may not be attached by courts for repayment of your debts*. Only your wife and children will be entitled to the Sum Assured in the event of your demise.
You can avail the plan online under MWP Act. It's really simple. While you are buying the plan, in the application form, you will see this question: I would like to buy this policy under Married Women's Property Act (1874) Just select "YES" for this question. Once selected, you will have to enter the beneficiary and trustee details e.g. the beneficiary name, relationship, date of birth and benefit share (in %). You can only choose your wife/child/children as beneficiaries. You can add multiple beneficiaries.
Under this act, Section 6 highlights it’s importance: "a policy of insurance effected by any married man on his own life and expressed on the face of it to be for the benefit of his wife, or of his wife and children, or any of them, shall ensure and be deemed to be a trust for the benefit of his wife, or of his wife and children, or any of them according to the interests so expressed, and shall not, so long as any object of the trust remains, be subject to the control of the husband, or to his creditors, or form part of his estate."
The term policy under the purview of MWP Act will be considered as a trust . Only trustees will have control on the policy including servicing, receipt of benefit amount. In case of a death claim, the policy proceeds are received by the trust and can only be claimed by trustees. It cannot be claimed by creditors, relatives or form a part of the will (estate of the proposer)*. The trust shall be holding the claim proceeds for the benefit of the wife and/or child(ren). Hence, the financial future of your wife and children is protected.
For instance, if you are a salaried person with a home/ personal loan or the owner of a business and have accumulated debts, your creditors will have the first claim on your policy proceeds in the event of your death. When you buy a term insurance online under MWP Act, your wife and/or children will be the only ones who will have access to the claim amount – enabling you to secure their future financially.
This is also a great solution for a joint family setup, wherein there could be several complications in the ownership of property, a lot of the fineprint not being explicitly specified thereby increasing the scope of family disputes over money and property. A policy covered under the MWP Act will give a clear title to the beneficiary.
The beneficiaries (wife and/or children) once mentioned in the policy remains unchanged throughout the term. Once the policy is issued, it will not be a considered part of the insured’s business assets (estate) and so cannot be targeted by the creditors/lenders of the business. This means that no one can exercise control over the benefit amount in the insured’s demise, except insured’s wife and children with which it seals their future in the right way.
Key man insurance is taken by a business firm on the life of key employee(s) to protect the firm against financial losses, which may occur due to the premature demise of the Keyman. Key man insurance is also referred to as key person insurance or key employee insurance.
Anybody with specialized skills, whose loss can cause a financial strain to the company are eligible for Keyman Insurance. For example, they could be:
Only Term Plans are allowed under Key man Insurance
The objective of keyman Insurance is to protect the company from the adverse financial effect by the Key Employee or Key Director’s death by making funds available to the company in his absence. The company’s progress and profit, usually depends upon the vital decision or technical expertised skill, knowledge, entrepreneurial vision of its Key Director or Key Employee, particularly in this competitive Globalised marketing Environment.
Today companies expansion diversification, and setting up policy depends upon its far sighted vision, decision, technical know-how of the Key Director and Key Employee and that’s required to be secured by purchasing Key man Insurance for making funds available for promoting, recruiting in the absence of Key-man. This policy is specially purchased by the company (both Pvt. and Ltd. Companies.) for the life of its most important Key person.
It is not an insurance policy by itself, but an arrangement.
Benefits to EMPLOYER
Benefits to EMPLOYER
Employer Employee Insurance Interpretation of Tax Implications
Employer Employee Insurance -Eligibility
We Provide Excellent Business Insurance Solutions from Reputed top Corporates
Life is about experiencing every good bit of it throughout one's lifetime; be it a walk in the park with your parents or building memories of playing with your little one. We understand that these experiences can be truly rejoiced when one lives a healthy life without having to worry about any unforeseen medical issues.
We Provide Comprehensive Health Insurance Plan that helps safeguard you & your family against financial risks arising out of a medical emergency. With our product, you can be assured that while you're unwell; we'll take up all the hassles related to your treatment so that you can stay worry free and focus only on your recovery.
The below are the highlights of the Health Insurance Products of the esteemed Health Insurance Company we are associated with:
We understand that the meter doesn't start from hospitalization but from the time of diagnosis and goes on even post discharge. We stand with you throughout the journey and not just for an event.
The procedures that you undergo before getting hospitalized finally lead you to a hospital, such as investigative tests and routine medication, can be quite financially draining. We cover the medical expenses incurred by you up to 30 days before your hospitalization.
It's our utmost concern that you get the medical attention, you require as soon as possible, especially in an emergency. Which is why, we reimburse expenses incurred by you while availing a domestic road ambulance during your hospitalization. Not just this, some plans of our product also offers coverage for availing an Air Ambulance if suggested by a doctor.
We pay for – room charges, nursing expenses and intensive care unit charges, surgeon's fee, doctor's fee, anaesthesia, blood, oxygen, operation theatre charges, etc.; If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours.
We cover medical expenses if you undergo a day care treatment which might not require you to stay hospitalized for 24 hours or more. As a matter of fact we cover over 540+ day care procedures.
We reimburse every expense occurred while you're staying in single or private room. You can also upgrade your room should there be a need to and is recommended by a treating doctor.
In time of an emergency we believe your focus should be only on your recovery. Hence we take care of those ICU charges that come in your way of getting a quality treatment.
Expenses don't end once you're discharged which is why even we don't rest unless you're completely ready to take all the challenges of life head on. We reimburse expenses such as doctor consultations, Diagnostic tests, medications etc that you incur up to 60 days post your hospitalization.
In case of an emergency or a medical condition that does not allow you to get admitted in a hospital, we provide coverage for medical expenses incurred during your treatment at home for a period exceeding 3 consecutive days. So nothing should delay the treatment you deserve.
We believe in the old adage that an ounce of prevention is better than a pound of cure. This is why we give an Annual Health Check-up for yourself and all members covered by your policy, including children.
Keep your worries regarding medical expenses outside the door with Automatic Recharge of Sum insured. If you ever run out of your health cover due to claims made, we will reinstate the entire Sum Insured amount of your policy. This additional amount can be used by you for any other ailment or by any other insured member for treatment of any ailment.
We raise a cheer to good health for every year that you don't claim by increasing your Sum Insured by 10%, up to a maximum of 50% in consecutive 5 years.
We care about those who help you as much as we care for you. So, beyond ensuring that your medical needs are met, we will reimburse you for medical expenses that are incurred by an organ donor while undergoing the organ transplant surgery.
Sometimes reassurance works better than the cure itself. Which is why if, at any moment you feel uncertain about your diagnosis, you can opt for a second opinion at no extra cost specially arranged by us.
All our plans come with no upper age limit of enrollment i.e. even if a person is 100 years old, they can definitely apply.
We don't leave you in between the journey and honor our commitment by giving our customers option of lifelong renewability i.e. once enrolled an individual can continue to stay covered throughout one's life, provided they renew their policy on time every year.
We understand that sometimes non-allopathic treatments may prove to be more effective. Whether it is Ayurveda, Unani, Sidha or Homeopathy, choose the treatment that suits you and we will cover it up to a specified limit and varies according to the plan chosen.
Our Insurance provided has excellent product for existing Cardiac patients and Diabetic patients, covering the health, subject to certain term and conditions.
We Provide Excellent Medical/Health Insurance Policies for Indivisuals and Family from Reputed top Corporates.
We also Provide Group Health Insurance Policies for Corporates.
Thanks to healthier lifestyles and breakthroughs in medical technology, life expectancy has increased significantly since the onset of industrialization and modernization. While Indians are living longer than they were two decades ago, lifestyle disorders are gaining prominence due higher work stress, sedentary lifestyle amongst other factors. Healthcare costs are rising 2-3 times faster than inflation. Unless one is financially prepared, overlooking the impact of out-of-pocket spending on health care expenses can put strain on your other savings With Health Solutions, you can ensure you're not withdrawing money from your living expenses assets, or adjusting your standard of living to pay for health care in the future for any major critical illness.
We Provide Excellent Critical Health Cover Policies from Reputed top Corporates.
They say, travelling makes you a storyteller. We ensure your employees only have happy stories to share. Give them the comfort of Group Explore our Travel Insurance on their next work-trip both International or Domestic.
We provide excellent Travel Insurance Policies for Indivisuals and Gropups from Top Corporates.
Truly Comprehensive Personal Accident cover with broad range of features, add-on benefits, hassle free procedures & thoughtful services
Journey of life is not smooth and some things cannot be predicted for such as an unfortunate accident. That’s why your employees/customers need Group Secure – Personal Accident Insurance so that life’s big or small surprises never pull you down.
We Provide Excellent Personal Accident Cover Policies for Indivisuals and Groups from Reputed top Corporates.
