Personal Insurance
Life Insurance
Cover matched to what your family would actually need without you.
In short
Life insurance pays a sum to your nominee on death. Term plans are pure protection at the lowest cost per rupee of cover; endowment and savings plans mix protection with a maturity value, at a much higher premium for the same cover.
Overview
The right question is not which plan, but how much and for how long. Cover should clear outstanding loans, replace the income your family depends on for the years they depend on it, and fund the goals that would otherwise stop - typically education.
We work that number out with you first, then look at plans.
Who needs this cover
Anyone whose income or loans would leave a gap for someone else. Single earners with dependents, anyone with a home loan, and business owners who have given personal guarantees.
Why buy this through Trust Cover
Insurer-neutral advice
Quotations from several insurers, compared on wording and claims record, not premium alone.
Exclusions explained first
You see what is not covered before you buy, in plain language.
Claims handled by us
We prepare the file, submit it and chase settlement on your behalf.
Working with us
We are insurer-neutral. For every enquiry we approach multiple insurers, compare the wordings as well as the premiums, and tell you where they differ on the points that decide a claim.
After the policy is issued we stay involved: endorsements, mid-term changes, renewal reminders that start ninety days before expiry, and claims that we prepare, submit and follow to settlement.
Related cover
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The most cover per rupee, for the years it is actually needed.
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One sum insured, shared across the family - including parents.
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