Life Insurance
From pure protection to plans with savings, we help you understand the options and choose cover that fits your family's needs and budget.
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GrokThe right life cover for every stage
Life insurance comes in many forms - term plans, endowment and money-back plans, ULIPs and whole-life policies. Each serves a different purpose and has very different costs. We review what you already hold, identify gaps and help you choose cover that truly protects your family, without overpaying for features you don't need.
Protection first
We start with how much protection your family needs, then consider savings features.
- Review of your existing policies
- Honest comparison of plan types and costs
- Nominee, riders and claims guidance
Why it's worth it
From your first conversation to ongoing service, everything is built around your needs.
Family security
Financial protection for your dependants against the unexpected.
Unbiased comparison
Plan types and insurers compared transparently.
Policy review
Identify under-insurance or costly overlapping policies.
Lifetime service
Help with renewals, nominee updates and claims.
Simple, transparent, personal
We listen first and understand completely before suggesting anything.
- 1Understand your goals, family situation, time horizon and comfort with risk
- 2Shortlist relevant options as incidental advice and explain them in plain language - costs, risks and all
- 3Take care of KYC, forms and documentation so getting started is hassle-free
- 4Review regularly and stay a phone call away whenever life changes
Frequently asked questions
Quick answers about life insurance. Still have a question? We're happy to help.
What is the difference between term and endowment plans?
A term plan offers pure protection with no maturity benefit and a low premium. An endowment plan combines insurance with savings, paying a maturity amount but at a much higher premium for the same cover.
Are ULIPs a good investment?
ULIPs combine insurance with market-linked investment and have a five-year lock-in. They can suit some investors, but it's important to understand their charges and compare them with a term plan plus mutual fund approach.
How many life insurance policies should I have?
What matters is total cover, not the number of policies. Many families are better off with one or two adequate term plans than several small traditional policies.
Can I change my nominee later?
Yes. You can update your nominee at any time during the policy term by submitting a request to the insurer. We help you with the paperwork.
What documents are needed for a claim?
Usually the claim form, policy document, death certificate, the nominee's identity and bank proof, and medical records where applicable. We guide your family through the process.
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All our services
Insurance is the subject matter of solicitation. Please read the policy wording, terms, conditions, sales brochure and exclusions carefully before concluding a sale. Fortunate Investments acts only as a distributor and does not underwrite any risk.
Need help choosing the right option?
Talk to us - we'll understand your needs and explain your options in plain language.