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Life Insurance in Kolkata

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    Find 1350+ Life Insurance providers in kolkata for your family. Sulekha have served with a range of services across banking and top insurance sectors like Life Insurance Corporation of India(LIC), SBI Life, Reliance Life, Bajaj Allianz Life Insurance, Birla Sun Life Insurance, HDFC Standard Life, Tata AIG Life, Kotak Life Insurance, Max Life Insurance, ICICI Prudential Life Insurance. Life Insurance providers at Sulekha have served 355 requests in kolkata since last 30 days.

    Best 10 Life Insurance Companies in Kolkata

    as on Dec 15, 2018
    Filter Sort by
    1. Sujata Naha 5
      Sujata Naha Behala, Kolkata - 700060
      6.0

      Life Insurance

      +91 98830 23221

      Sujata Naha has over twelve years of experience in providing Insurance plans for people in Kolkata, India. She specialises in providing personalised Car Insurance, Life Insurance and Health Insurance. While everyone may need life insurance, they do not ask for it. Many believe life insurance is hard to understand, the selling process is pushy or cumbersome, and the benefits are not useful. That's why Sujata Naha, who started offering her services in 2004, provides simple, hassle-free insurance plans with real benefits at reasonable prices. Backed by her efficient services, she tries hard to explain to you both the pluses and minuses in every scheme. Sujata Naha believes in taking care of her customers' interests is the best way to promote her business.

    2. Rajib Kumar Banik 51
      Rajib Kumar Banik Salt Lake City, Kolkata - 700091
      5.8

      Life Insurance

      +91 98 83026510

      INSURANCE CONSULTANT of LICI and STAR HEALTH for mediclaim. term insurance, pension plan for life time, endowment plan, money back plan, child education plan, daughter marriage plan, lone plan, accident insurance plan. health insurance plan, surgical plan. financial growth plan. subsidy insurance plan . 8.38% pension for ten years plan. 11 to 20 years money back plan. family combination plan. 8% guaranteed pension for life time plan with bonus. your precious money is 100% secure only In LICI. not only principle money, interest is also guaranteed by government of INDIA. 15 years experience in insurance sector. club member agent. entry in chairman club in LICI. PROUD TO BE A LICIAN. jinde gi ke sath vi, jinde gi ke bad vi, I am always with you.

    3. Sudip Ganguli 8
      Sudip Ganguli Bansdroni, Kolkata - 700070
      1 Review 6.3

      Life Insurance

      +91 98 83008181

      All types of LICI INVESTMENTS,INCOME TAX RETURNS,GST REGISTRATION,GST FILING DONE UNDER ONE ROOF.

    4. Financial Solutions Jodhpur Park, Kolkata - 700045
      2 Reviews 5.1

      Life Insurance

      +91 98 83026819
      No. 231, Jodhpur Gardens, Jodhpur Park, Kolkata - 700045
    5. Hari Pada Ghosh 6
      Hari Pada Ghosh Kasba, Kolkata - 700042
      7.3

      Life Insurance

      +91 98 83028079

      Deals in insurance service provider in all over Kolkata. Experience in more 15 years.

    6. Soumitra Purkayastha New Alipore, Kolkata - 700038
      4.7

      Life Insurance

      +91 98 83023410
      No.11/4D, J K Paul Road, New Alipore, Kolkata - 700038
    7. Dr. Kisore Sastri Tantra Yotish 11
      Dr. Kisore Sastri Tantra Yotish Salt Lake City, Kolkata - 700010
      5 Reviews 6.2

      Life Insurance

      +91 98830 26169

      Dr. Kisore Ranjan Das is a renowned Insurance Agent based in Kolkata, India. He excels in offering assistance with a variety of insurance plans including corporate group life insurance, corporate group life insurance, individual/family health policy, surgery cover, comprehensive health policy, term life insurance, whole life insurance, money back policy, endowment plans, pension plans, ULIP, accidental insurance, etc. He focuses on providing personalised insurance assistance to each client based on their needs and financial standings. Contact Dr. Kisore Ranjan Das for your insurance needs.

    8. Malaya Kanti Das 1
      Malaya Kanti Das Kasba, Kolkata - 700042

      Life Insurance

      +91 98 83016450
      No. 51/1B, Jamuna Appartment, Baropagan, 1st Floor, NC Chowdury Road, Kasba, Kolkata - 700042
    9. Rana Saha Freelancer 1
      Rana Saha Freelancer Gariahat, Kolkata - 700019
      5.3

      Life Insurance

      +91 98 83016170

      Rana Saha Free Lancer is well known for our services in the market and is happy to have you as our customer. Our bondage with you will always be ever-cherishing. We welcome you to experience the exemplary service of ours. At Rana Saha Free Lancer we provide services LICI, HEALTH INSURANCE (Star Health and Allied Insurance Co.Ltd) & Mutual Funds (All Funds Are Available.....

    10. Glitterbug Technologies Pvt. Ltd. Also Servicing in Kolkata
      4.7

      Life Insurance

      +91 22 33486921
      Unit B2-601, Boomerang, Chandivali Farm Road, Andheri East, Mumbai Central, Mumbai - 400036

    Latest Customer Reviews for Life Insurance in Kolkata

    as on Dec 15, 2018 Average Rating (4) - 23 reviews
    20th Oct, 2018

    Very helpful and authentic.

    0
    15th Oct, 2018

    Honest service I got from thisLIC Gariahat, Kolkata.For my Pension Plans So I approached this insurance company. I preferred to need Pension Plans covered by Life insurance. They have processed my request shortly and response also good. I paid a reasonable amount for the insurance service. They provided it on the committed period of time and the premium amount was nominal. Overall I'm satisfied with their response and service.

    0
    31st Aug, 2018

    Good service provider of insurance purpose.

    2
    23rd Aug, 2018

    You can trust by your heart....

    3
    10th May, 2018

    I had a policy wealth plus for a period of 8 years. No communication has been received from city br.8 regarding it's Maturity & asking for submission of claim. Is it proper service rendering in such an advance technology era ?

    2
    5th Apr, 2017

    Taken Car insurance from here. This is the most trust-able insurance company of India. Its schemes and and plans are best among all.100% secure and very much helpful for tax related and other insurance related issues.their customers service and claim settlements are amazing.no other company compare with ICICI for claim related matters. Schemes are very simple and very helpful for each and every individual. and its premium is also very reasonable.more over its never provide fake promises.its a great insurance company and hope everyone also like it without any hesitation.

    2
    28th Mar, 2017

    ICICI bank has already earned a place in the private banking sector and ICICI Lombard is the product of it. Availed an accidental insurance from here. As the name says it all they explained us about the insurance will cover the accidental death and money will be given with no mess to his/her family in case of Accidental death. They made me my process very easy with low on paperwork. Really liked their services and also they also cleared out each and every point before taking on their Co-operate deal.

    1
    27th Mar, 2017

    Have taken a bike insurance from them. Their service is very good as they provide the service very promptly and the rate of premium is also nominal, customer response is also good there. gratified with their service.

    1
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    Recent Enquiries for Life Insurance in Kolkata

    • Life insurance policy: Pension Plans
    • Gender: Male
    • Age: 24
    • Insurance policy for: Self
    • Annual income: Less than 3 lakhs
    • Insurance brand: Bajaj Allianz Insurance
    17 days ago
    • Life insurance policy: Term insurance
    • Gender: Female
    • Age: 23
    • Insurance policy for: Parents
    • Annual income: Less than 3 lakhs
    19 days ago
    • Life insurance policy: Term insurance
    • Gender: Male
    • Age: 33
    • Insurance policy for: Self
    • Annual income: Less than 3 lakhs
    • Insurance brand: Max life Insurance
    35 days ago
    • Life insurance policy: Money back policy
    • Gender: Male
    • Age: 30
    • Insurance policy for: Son
    96 days ago

    Recent Bookings in Insurance

    • Life insurance policy: Pension Plans
    • Gender: Male
    • Age: 24
    • Insurance policy for: Self
    • Annual income: Less than 3 lakhs
    • Insurance brand: Bajaj Allianz Insurance
    17 days ago
    • Life insurance policy: Pension Plans
    • Gender: Male
    • Age: 40
    • Insurance policy for: Self
    • Annual income: 3 - 5 lakhs
    • Insurance brand: LIC
    100 days ago
    • Life insurance policy: Child Plans
    • Gender: Male
    • Age: 30
    • Insurance policy for: Self
    • Annual income: Less than 3 lakhs
    105 days ago
    • All you need to know about life insurance

      People insure their cars against any theft or damage, their homes in case, anything goes wrong, but they forget the most valuable thing of all; their lives. It’s comforting to know that we have people around us who love and care for us deeply. But how would they manage if we are no longer around? The death of our loved ones comes with its own challenges. It is important to ensure that in this period of mourning and loss, life continues as comfortably as possible. The void created by the death of the family member is hard to fill but it should not disrupt the financial future of the family. Therefore, it is important to realize the value of life and get a life insurance.

      What is life insurance?

      It is an arrangement between the Insurance Company and the policy holder in which the insurer guarantees compensation for the loss of life in return for the regular payment of a specified premium. In Life Insurance, the name of the beneficiary is mentioned in the contract who gets the specified sum from the insurance company in case of any mishap i.e. Loss of Life.

      What are the key benefits of life insurance?

      1. Risk Coverage:Insurance offers risk coverage to the insurance holder and his family in form of monetary compensation.
      2. Different plans for different uses:Insurance firms offer different types of plans to the insurance holders depending on their need for insurance. Higher is the premium, greater will be the benefits.
      3. Cover for Health Expenses: The insurance policies may also cover hospitalization expenses and some critical illness treatments.
      4. Promotes Savings: Some insurance policies come with saving plans i.e. the insurer invests the money in profitable ventures.
      5. Guaranteed Income:  There is a guaranteed sum assured amount in the insurance policy which is payable at the time of completion of the policy tenure or if the death of the insurance holder occurs.
      6. Loan Facility: Insurance holder can borrow a certain amount of money from the insurer. This option is available only on selected policies.  
      7. Tax Benefits: Insurance holder can get tax benefits under the section 80C of the income tax Act, 1961.

      What are the different types of life insurance?

      There are many types of life insurance policies that can aid you in meeting needs of different life stages:

      1. Term life insurance: Insurance holder gets coverage for a tenure which you choose by yourself. These policies can be availed by people who find it hard to pay lump sum money.
      2. Whole life insurance: This policy covers the insurance holder for entire life.
      3. Endowment policy: Risk is covered for a definite period and at the end of the policy tenure, the sum assured along with the accumulated bonus is given to the policyholder.
      4. Money back policy: This insurance policy repays the survival benefits periodically.
      5. Savings & investment plans: It helps in investments to make your money grow.
      6. Retirement plans: It is a retirement plan. You can make your retirement corpus according to your risk and after completion of the specified period, a certain amount of money is paid to the beneficiary in the form of pension, annually, half-yearly or monthly.
      7. Unit Linked Insurance Plans (ULIPs): A part of this investment goes in providing life cover whereas the residual portion is invested in bonds or stocks.
      8. Child insurance policy: These life insurance plans are designed to meet the rising education and other needs of children. A child plan provides a lump sum amount on the event of death of the policyholder, but the insurance plan doesn’t end. All the future premiums are waived off and insurer continues investing money on behalf of the policyholder. The child gets the amount at specified tenure as per the plan.

      Best Life Insurance Plans

      Life Insurance PlansPolicy TermSum AssuredAge (Min-Max)
      Aegon Life iTerm Plan5 - 4010 Lakhs / NA18 - 75
      Aviva I-Life Plan10 - 3525 Lakhs / NA18 - 55
      Bajaj Allianz iSecure10 - 3020 Lakhs / NA18 - 70
      Bharti AXA eProtect10 - 3025 Lakhs / NA18 - 75
      HDFC Click2Protect Plus10 - 3010 Lakhs / 10 Cr18 - 65
      HDFC Life Sanchay15 - 251,05,673 / NA30 - 45
      HDFC SL Crest10 - 107 or 10 * Annual Pre / 20 * Annual Pre14 - 55
      ICICI Pru iProtect10 - 303 Lakhs / NA20 - 75
      Kotak Life Preferred e-Term10 - 4025 Lakhs / NA18 - 75
      LIC AmulyaJeevan5 - 3525 Lakhs / NA18 - 60
      LIC New Jeevan Anand15 - 501 Lakhs / NA18 - 50
      LIC Term Plan10 - 3550 Lakhs / NA18 - 75
      Max Life Online Term Plan10 - 3525 Lakhs / 100 Cr18 - 70
      SBI eShield Plan5 - 3020 Lakhs / NA18 - 70
      SBI Shubh Nivesh Plan5 - 3075,000 / NA18 - 60

      What are the different life insurance claims?

      Life insurance claims are classified as below:

      Death Claims: In case of the death claim, the beneficiary needs to submit following documents:

      • A filled claim form
      • Original policy bond or contract
      • An original or certified copy of the insurance holder’s death certificate
      • Proof of identity as the beneficiary

      Maturity Claim: In order to avail the maturity benefits of the life insurance, you need to submit the following to the insurer

      • Original policy bond
      • Maturity claim form 

      What are the top 10 insurance companies?

      • Life Insurance Corporation of India
      • ICICI Prudential life insurance
      • SBI Life insurance
      • HDFC standard life insurance
      • Max Life Insurance
      • Bajaj Allianz Life Insurance
      • Birla Sun Life Insurance
      • Reliance Life Insurance
      • Tata AIA Life Insurance
      • PNB Metlife India Insurance

      What are the documents required while buying a life insurance policy?

      The life insurance companies will ask for the following documents before issuing you insurance policy:

      • Income documents
        • Last 3 months salary slips
        • Income Tax Returns of last 2-3 years
        • Latest 6 months Bank Statement with salary entries in last 3 months
        • CA certificate in case of Businessmen
        • Latest Form 16 
      • Address Proof
        • Bank Statement or Passbook with latest entries for 6 months
        • Credit Card statement  less than 3 months old
        • Driving License with address mentioned
        • Electricity / Telephone / Water / Gas bill (less than 3 months old)
        • Leave & License agreement
        • Passport
        • Ration Card
        • Voter ID card
        • Aadhar Card
      • ID Proof
        • PAN Card
        • Passport
        • Aadhar Card
        • Voter Id card
      • Age Proof
        • Aadhar Card
        • Voter Id card
        • Ration card
        • PAN Card
        • Passport
        • Marriage certificate
        • Birth certificate
        • Driving License
        • School/College leaving certificate

      What are the factors that affect the premium of a life insurance?

      The factors that affect the premium of a life insurance are:

      • Age: If you’re young policy holder then the rates will be lower in comparison to someone older. Since the possibility of a young person having a life threatening disease or to pass away in his youth is very unlikely.
      • Gender: Insurance companies believe that there is a different life expectancy for different genders. As per the statistical findings, women are believed to live 5 years more than men. Therefore affecting the premium they pay for their policy.
      • Smoking: Smoking puts the insurance holders at higher risk of ailments, so if you’re a smoker then you have to pay a premium twice as much as any non - smoker does, thus affecting the premium to a great extent.
      • Medical history:  If a policyholder has some medical history of serious illnesses like cancer, heart diseases or any other, then they are susceptible to get them from a hereditary perspective which increases their premium by a larger margin.
      • Health records:  The health records ensure that you don’t have any chronic diseases or potential health issues, thus, keeping your premium also in check.
      • Drinking: Drinking is injurious to health in many ways. As a policyholder, if you are a heavy consumer of alcohol then you have to give high premium.
      • The Policy: The type of insurance policy can also affect the premium. The longer the tenure of the policy, the larger will be the benefit at the time of death, as you will pay it for that period of time.
      • Profession: Your profession also plays a vital role in the premium you need to pay. If the policyholder has a risky profession then premium will be high.
      • Lifestyles choices: Many insurer take higher premiums from the people who love to take risks like climbing treacherous mountains, speeding cars or other high risk activities.
      • Obesity: Obesity is another factor which can affect your premium as a policyholder. Since obese individuals are prone to a number of health problems like high blood pressure, stroke, coronary heart disease, Osteoarthritis and cancer, in the future, this increases their premium.

      What are insurance riders?

      These are additional benefits which you can get along with your current life insurance policy at affordable rates. They are valuable tools that help you in expanding your life insurance coverage. There are different types of riders like:

      • Waiver of premium: This life insurance policy stays active even if you are unable to pay the premiums with the continuation of the policy benefits.
      • Critical illness: Under this rider, the policy holder pays an extra amount to get themselves covered, in case they are diagnosed with any of the critical ailments mentioned in the document. This rider acts like an income replacement plan where the amount received under the rider can be used for both medical and household expenses.
      • Accidental death rider: All the life insurance policies cover accidental death. The accidental death rider ensures that the beneficiary gets double the sum assured in case of accidental death of the policy holder.
      • Permanent & partial disability: It is helpful if the policy holder becomes temporarily or permanently disabled due to an accident. The insurer gives a certain sum assured for the next five or ten years and all the future premiums on the insurance policy are waived off.
      • Income benefit rider: This rider offers a regular source of income to the family members in case of the demise or disability of the insurance holder.

      What is the process of insurance claim settlement after the death of policy holder?

      In case of the death of the policy holder, the beneficiary is required to send claim intimation form to the insurer as soon as possible. Claim intimation must contain details like Date, Place, and Cause of Death. On successful submission of the claim intimation form, the insurance company will ask you for some additional information such as:

      1. Certificate of Death
      2. Copy of Insurance Policy
      3. Legal Evidence of title if the insured has not appointed a beneficiary
      4. Deeds of assignment

      After successful submission of all the above documents, the insurer will verify the claim and settle the same.