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Life Insurance in Pune

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    Find 1650+ Life Insurance providers in pune 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 pune since last 30 days.

    Best 10 Life Insurance Companies in Pune

    as on Dec 15, 2018
    Filter Sort by
    1. Shamal Corporate Services Yerawada, Pune - 411006

      Life Insurance

      +91 90 21109542

      Pune-based Shamal Corporate Services specialises in offering excellent insurance assistance to clients located in the city. We are well-versed in providing different types of car insurance, life insurance, home insurance, health insurance and corporate group insurance plans. We render personalised insurance aid to clients from different walks of life to ensure their maximum satisfaction. Contact us for any queries.

    2. S-Mantra Business Solution 2
      S-Mantra Business Solution Vishrantwadi, Pune - 411015
      11 Reviews 7.2

      Life Insurance

      +91 90 21108834

      We provide Chartered Accountant service. Company Law or Corporate Law is the law that is concerned with the creation and regulation of companies. A company is a group, here referred to a group of people which are legally treated as a person. The company can own property, sign contracts, sue, and can also be sued in it home. Please Contact us for further details.

    3. Suparna Kiran Somavanshi Karve Nagar, Pune - 411052
      4.7

      Life Insurance

      +91 90 21112004
      39-B, Anurekha Society, Karve Nagar, Pune - 411052 Get Directions
    4. Prakash - Agent of LIC Wagholi, Pune - 411027
      5.3

      Life Insurance

      +91 90 21107921
      B1, 1001, Sukhwani Scarelet, Wagholi, Pune - 411027 Get Directions
    5. Shri Sai Samarth Investment Vishrantwadi, Pune - 411015
      4.6

      Life Insurance

      +91 90 21110051
      D2/203, Mahalaxmi Vihar, Pune Alandi Road, Vishrantwadi, Pune - 411015
    6. Shri Ganesh Insurance Sinhagad Road, Pune - 411051
      7.0

      Life Insurance

      +91 90 21108553
      Flat No - 20 , Raj Appartment , Vittal Nagar , Anand Nagar, Sinhagad Road, Pune - 411051
    7. D.S.Lokhande Patil Insurance Advisor Swargate, Pune - 411042
      5.3

      Life Insurance

      +91 90 21111310
      Office No.202, 2nd Floor, Jay Chamber, Swargate, Pune - 411042
    8. Glitterbug Technologies Pvt. Ltd. Also Servicing in Pune
      4.7

      Life Insurance

      +91 22 33486921
      Unit B2-601, Boomerang, Chandivali Farm Road, Andheri East, Mumbai Central, Mumbai - 400036
    9. Teamone Consultants 8
      Teamone Consultants Wanwadi, Pune - 411040
      3 Reviews 6.8

      Life Insurance

      +91 90 21109217

      We are a group of 100 people dedicated to educate and safeguard the plannings of all our valuable clients. With a client base of 35000 across India we are one of the leading Risk management group in India among 29000 groups ranking 3rd in entire India. We are not plan oriented , indeed we are planning oriented organisation.

    10. Tata AIG General Insurance Co. Ltd. 1
      Tata AIG General Insurance Co. Ltd. Koregaon Park, Pune - 411001
      10 Reviews

      Life Insurance

      Private Car Insurance: In India one of out of every three car is damaged in an accident. TATA AIG brings you the comprehensive insurance cover, which not only covers you for the liability arising out of the Third party but covers you against the loss or damage to your vehicle. Coverage for Partial Loss & total loss arising out of accidents, Fire & allied perils and theft. Discount (NCB) for claim free experience. Discount for Anti theft devise, member of Automobile Association etc. Predefined depreciation for the parts needing replacement on account of accident, All the benefits covered under the motor vehicle tariff are passed on the customer, few unique to TATA AIG are: No deduction on count of Salvage value. All India Service network and uniform service parameters. Green Channel Settlement - Green Channel Settlement is another first in the motor insurance industry. This innovation promises to make accident claims and repairs easier than never before! Auto Secure customers can simply call Tata AIG's Contact centre to avail of this service, at no additional cost. (Insert link for details on Green Channel settlement). Auto Restore Warranty: Tata AIG Auto Secure policyholders can enjoy 'Warranty on Accident Repairs' when a customer opts for the 'Green Channel Settlement'. Commercial Vehicle Insurance: TATA AIG brings you the comprehensive insurance cover, which not only covers you for the liability arising out of the Third party but covers you against the loss or damage to your vehicle. Coverage for Partial Loss & total loss arising out of accident. Fire & allied perils and theft. Discount (NCB) for claim free experience, Predefined depreciation for the parts needing replacement on account of accident. All the benefits covered under the motor vehicle tariff are passed on the customer, few unique to TATA AIG are: On Line policy issuance, All India Claim Service network & uniform service parameters, A-Z Claims settlement by the "Office of Contact".

    Latest Customer Reviews for Life Insurance in Pune

    as on Dec 15, 2018 Average Rating (3.5) - 6 reviews
    28th Aug, 2018

    It's difficult to choose a right company and right plan in insurance. But they advised all things with proofs and facts of comparison.

    0
    27th Aug, 2018

    A nice team focused on planning. No forceful selling of any plans. They try to understand first the need. Get our previous things stream lined. They not only sell new but also serve our existing things which were taken from vaious other people. I would recommend to just spare sometimes with them before opting or finalising any consultant who charge high.

    1
    13th Nov, 2017

    Worst Company which only focus on new business but least bother about existing customer

    1
    29th Mar, 2017

    Through this Reliance Life Insurance Co. Ltd... I got Life Insurance.yearly the premium was some nominal amount.Their service was contented.On the spot they have provided all the documents which was satisfactory.Overall it was good services from them...

    2
    16th Feb, 2017

    Availed a personal insurance from them a few days ago. Their service was good as the terms and conditions were acceptable for me. But I did not get my money yet. I tried their many numbers but not reachable. Still searching their numbers.

    3
    30th Jan, 2017

    Have taken life insurance from this company. Their service is average since their customer service is not impressive, quick and user-friendly. The insurance amount is 50000. Mediocre service is given to the customers.

    1

    Recent Enquiries for Life Insurance in Pune

    • Life insurance policy: Whole life policy
    • Gender: Female
    • Age: 20years
    • Insurance policy for: Self
    • Annual income: 3 - 5 lakhs
    • Insurance brand: Kotak Life Insurance
    14 days ago
    • Life insurance policy: Endowment plans
    • Gender: Male
    • Age: 30
    • Insurance policy for: Daughter, Son, Spouse, Self, Parents
    • Annual income: More than 10 lakhs
    • Insurance brand: LIC
    66 days ago
    • Life insurance policy: Term insurance
    • Gender: Male
    • Age: 30
    • Insurance policy for: Self
    • Annual income: 3 - 5 lakhs
    69 days ago
    • Life insurance policy: Pension Plans
    • Gender: Male
    • Age: 35
    • Insurance policy for: Self
    • Annual income: Less than 3 lakhs
    112 days ago

    Recent Bookings in Insurance

    • Life insurance policy: Pension Plans
    • Gender: Male
    • Age: 35
    • Insurance policy for: Self
    • Annual income: Less than 3 lakhs
    98 days ago
    • Life insurance policy: Pension Plans
    • Gender: Male
    • Age: 35
    • Insurance policy for: Self
    • Annual income: Less than 3 lakhs
    106 days ago
    • Life insurance policy: Pension Plans
    • Gender: Male
    • Age: 35
    • Insurance policy for: Self
    • Annual income: Less than 3 lakhs
    112 days ago
    • Life insurance policy: Whole life policy
    • Gender: Female
    • Age: 66
    • Insurance policy for: Self
    • Annual income: 3 - 5 lakhs
    • Insurance brand: Bajaj Allianz Insurance
    138 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.