Pramanik Nivesh offers comprehensive future planning services to secure your financial well-being for major life events. Our offerings include retirement planning, child education plans, and provisions for your daughter’s marriage. We provide tailored investment strategies to ensure financial security, stress-free retirement, and funds for your child’s education and family milestones. Our expert advisors guide you in choosing suitable plans, maximizing returns, and achieving your financial goals.
Health insurance is a crucial financial tool that provides coverage for medical expenses in case of illness, injury, or other health-related issues. It offers financial protection by covering costs such as hospitalization, surgeries, doctor consultations, and prescription medications, ensuring you don’t have to bear the full burden of medical bills.
Covers medical expenses for a single individual. It provides comprehensive coverage for hospitalization, surgeries, and other treatments.
Covers the entire family under a single policy. The sum insured is shared among all family members, making it a cost-effective option for families.
Offered by employers to their employees as a part of employee benefits. It covers all employees under a single policy
Covers medical expenses for a single individual. It provides comprehensive coverage for hospitalization, surgeries, and other treatments.
We offer flexible premium payment terms that allow you to choose the frequency and duration that best fits your financial situation.
We offer flexible premium payment terms that allow you to choose the frequency and duration that best fits your financial situation.
Life insurance is a vital financial tool that provides a safety net for your loved ones in the event of your untimely demise. It ensures that your family is financially protected, helping them maintain their lifestyle, pay off debts, and cover essential expenses like education and healthcare, even in your absence.
Covers medical expenses for a single individual. It provides comprehensive coverage for hospitalization, surgeries, and other treatments.
Covers the entire family under a single policy. The sum insured is shared among all family members, making it a cost-effective option for families.
Offered by employers to their employees as a part of employee benefits. It covers all employees under a single policy
Covers medical expenses for a single individual. It provides comprehensive coverage for hospitalization, surgeries, and other treatments.
We offer flexible premium payment terms that allow you to choose the frequency and duration that best fits your financial situation.
We offer flexible premium payment terms that allow you to choose the frequency and duration that best fits your financial situation.
Motor insurance provides financial protection for your vehicle against a range of risks, including accidents, theft, and damage. It typically covers the cost of repairs or replacement for your car, as well as any liability for damage or injury caused to other parties.
Offers extensive protection by covering damage to your vehicle, third-party liability, and theft. It may also include additional benefits like roadside assistance and rental car coverage.
Covers damage or injury caused to others in an accident where you are at fault. This is often the minimum legal requirement for driving.
Provides coverage for damage or loss caused by fire or theft, in addition to third-party liability.
Covers medical expenses for a single individual. It provides comprehensive coverage for hospitalization, surgeries, and other treatments.
We offer flexible premium payment terms that allow you to choose the frequency and duration that best fits your financial situation.
We offer flexible premium payment terms that allow you to choose the frequency and duration that best fits your financial situation.
Here are some benefits of purchasing a motor insurance policy
Financial Protection: Motor insurance helps cover the cost of repairs or replacement if your vehicle is damaged or stolen.
Liability Coverage: It protects you against legal liability for damages or injuries caused to other people or property in an accident where you are at fault.
Peace of Mind: Knowing that you have financial protection in case of an accident or theft provides peace of mind while driving.
Additional Benefits: Many policies offer extra perks such as roadside assistance, rental car coverage while your vehicle is being repaired, and coverage for non-collision events like natural disasters.
A Unit Linked Insurance Plan (ULIP) is a versatile financial product that combines both insurance and investment benefits into a single plan. It provides life insurance coverage while allowing you to invest in various financial instruments, such as equity, debt, or balanced funds, based on your risk appetite and financial goals.
Investing in a Unit Linked Insurance Plan (ULIP) can offer several advantages for those looking to combine insurance protection with investment growth.
Covers medical expenses for a single individual. It provides comprehensive coverage for hospitalization, surgeries, and other treatments.
Covers the entire family under a single policy. The sum insured is shared among all family members, making it a cost-effective option for families.
Offered by employers to their employees as a part of employee benefits. It covers all employees under a single policy
Covers medical expenses for a single individual. It provides comprehensive coverage for hospitalization, surgeries, and other treatments.
We offer flexible premium payment terms that allow you to choose the frequency and duration that best fits your financial situation.
We offer flexible premium payment terms that allow you to choose the frequency and duration that best fits your financial situation.
Dual Benefit: ULIPs offer the advantage of life insurance protection along with the potential for wealth accumulation through investments.
Flexible Investment Options: ULIPs provide a range of investment options, including equity funds, debt funds, and balanced funds.
Premium Allocation: Part of the premium paid is allocated towards life insurance coverage, while the remaining amount is invested in the chosen funds.
Flexibility: ULIPs provide flexibility in terms of premium payments, investment choices, and policy tenure.
Term insurance is a straightforward and cost-effective life insurance policy designed to provide financial protection for a specified period, or term. It offers a death benefit to your beneficiaries if you pass away during the term of the policy, ensuring that your loved ones are financially secure.
Provides a fixed sum assured throughout the policy term. The premium remains constant, and the coverage amount does not change, making it easy to budget.
Features a sum assured that decreases over time, often aligning with decreasing liabilities such as a mortgage or loan.
Rovides a refund of all premiums paid if you survive the policy term. This type combines the protection of term insurance with the return of premiums
Covers the entire family under a single policy. The sum insured is shared among all family members, making it a cost-effective option for families.
Allows you to convert the term policy into a whole life or endowment policy at the end of the term or during the policy period, without undergoing a medical examination.
Offers an additional sum assured if death occurs due to an accident. This can be added as a rider to a standard term insurance policy.
Choosing the best term insurance plan involves evaluating several factors to ensure that the policy aligns with your financial goals and personal needs. Here are some key steps to help you select the right term insurance plan:
Assess Your Coverage Needs : Calculate the amount of coverage needed to secure your family’s financial future. Consider factors such as outstanding loans, living expenses, education costs, and future financial goals.
Choose the Policy Term: Decide on the length of the policy term based on your needs. It should cover the period until your dependents are financially independent or your liabilities are settled.
Compare Premiums: Compare premiums of different policies to find one that fits your budget. Ensure that the premium is affordable and sustainable over the policy term.
Consider Additional Benefits: Check if the policy offers optional riders, such as critical illness cover, accidental death benefit, or income benefit. These can enhance the coverage and provide extra protection.
Get Professional Advice: Consider seeking advice from a financial advisor or insurance expert to help you understand your options and make an informed decision based on your specific needs.
Financial planning services refer to professional assistance and advice provided by financial planners or advisors to individuals or businesses in managing their finances. These services typically involve analyzing a client’s financial situation, identifying goals, and developing a comprehensive plan to achieve those goals.
When you engage a financial planning service, you can expect the following:
Financial planners may charge for their services in different ways :
Fee-only : Planners charge a transparent fee for their services, typically based on an hourly rate, a fixed fee for specific tasks, or a percentage of assets under management.
Fee-based : This model combines both fees and commissions. Planners charge a fee for their advice and may also receive commissions from certain financial products they recommend.
