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The primary function of life insurance is to cover you against sudden losses arising out of sudden death. Insurance not only covers you or your family against specific sudden losses but also works as a tax saving investment vehicle.
Insurance, primarily, offers you complete security arising out of risk coverage against the uncertainties of life. And secondarily serves you as a good investment option and tax saving tool. Hence, as an instrument, life insurance offers you the ideal blend of risk cover, returns and tax benefits.
* Tax benefits are subject to changes in the tax laws in future, please consult your tax advisor for more details.
Life insurance is a contract by which you can protect yourself against specific losses by paying a premium over a period of time. Though an insurance cover cannot protect you against the emotional losses arising out of these risks, it softens the economic crisis that usually accompanies these losses.
With a variety of risk-coverage options, from whole life insurance to covering risks associated with home loans, you could also choose life insurance as an investment option, the returns of which you can enjoy at critical phases of your life.
General insurance covers risks other than human life. We face many risks in daily life; some of these lead to financial losses. It is prudent to have suitable general insurance covers for every family and business organisation, with adequate protection and the right covers.
There are also other covers such as errors and omissions insurance for professionals, credit insurance, flood, earthquake and machinery breakdown. Most general insurance policies are annual and the premium is paid in advance. General insurance is meant for protection, not savings or investment returns.
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