Term Life &
Keyman Insurance

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Term Life & Keyman Insurance Advantage

Affordable
Get maximum cover on term insurance at a low premium rate.

Easy Documentation
Hassle free documentation process for issuance as well as claims.

Customizable Plan
Enhance cover by including critical illness rider, accident cover.

Immune To Inflation
Can take increasing sum assured cover to account for rising incomes.

Why Claims Get Rejected?

Incorrect Job Description

Exact job nature needs to be disclosed at the time of policy issuance. Insurers consider travelers to sanctioned countries, or staff engaged in off-shore work, as high risk. Non-disclosure could lead to claim rejection.

Undisclosed Medical History

Pre-existing ailments if not disclosed at the time of issuance can lead to claim rejection. Quantum of consumption of alcohol and tobacco needs to be disclosed as well. However, the insurance can be structured such that disclosures are not needed.

Policy Lapse

Non-timely renewal payment will lead to policy lapse. Insured should ensure premiums are paid within due date or at most within the grace period offered after the due date.

Claim Documentation

Original policy document, death certificate, medical records (such as discharge summary in case of hospitalization before death), KYC documents of the insured and nominee.

Cashless Claim

Riders such as Critical Illness, Accidental Disability, and Accidental Death can be bought along with term insurance.

Exclusions

Suicide is the only exclusion in a term insurance policy. This is also applicable only for the first year. Riders have specific exclusions not affecting the base cover.

Why SecureNow

Deep
Product Knowledge

We have specialized underwriters and tie-ups with international experts.

Cost-effective
Insurance

We work with all insurers to get you the best options- both in terms of price and features.

Quick Turnaround

Cover notes are issued within hours of request. This documentation is sufficient for any contractual requirement.

Strong Claim
Support

We manage all aspects of your claim - from preparing documentation to follow-up with the insurer.

Value Added
Services

We will advice you on risk management best practices.

Policy Administration
System (PAM)

See all your contracts renewal information in one place. Place service requests on PAM.

FAQs

What is a term insurance plan?

Term insurance policies are protection plans. In the event of death of the insured, nominee receives the sum assured. A term insurance unlike a LIC Policy, ULIP or Endowment plan, does not have any maturity value.

Why should I buy a Term life insurance Plan?

Term life insurance plans provide a protection cushion to one’s dependents. In case of death of the main bread-earner, family suffers a loss of income and at times is left with large liabilities such as home loan and children education. The basic purpose of a term policy is to provide financial security for the applicant and his/her family.


PROPOSAL FOR TERM LIFE & KEYMAN INSURANCE	OPTION 1: COMPREHENSIVE COVER


TOTAL PREMIUM (INR, excluding taxes)	₹ per annum

Gender
Smoker
Claim Settlement Ratio	95%
Death Benefit
Accidental Death Benefit
Terminal Illness
Waiver of Premium on Disability
Critical Illness
Payout at Death
Exclusion
Suicide in the First Year
NOTE : THESE ARE INDICATIVE PRICES INSURANCE IS THE SUBJECT MATTER OF SOLICITATION.

Term Life &
Keyman Insurance

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