Wealth Protection Planning
Life Insurance & Term Plans
High-coverage pure term plans that protect your family's financial future, compared across providers.
- Minimum
- On enquiry
- Risk
- Low risk
- Liquidity
- Locked in
Overview
What this actually is
A pure term plan is the cheapest way to buy a large death benefit. It has no maturity value, and that is precisely why the cover costs so little.
We compare across providers on coverage-to-premium, claim settlement record and policy wording — the exclusions matter as much as the premium.
Why consider it
What it does well
- The largest possible cover for the smallest possible premium.
- Compared across providers rather than sold from one.
- Premiums are typically eligible for deduction under prevailing tax rules.
- Cover sized against your family's actual liabilities and income needs.
Key details
The specifics
- Type
- Pure protection — no maturity value
- Comparison
- Across multiple providers
Who is this for
You might be a fit if…
If none of these describe you, that is useful information too — tell us on the call and we will point you somewhere more suitable.
- Anyone whose family depends on their income
- Borrowers with a home loan or business debt
- Parents with dependent children
- Business owners whose family would inherit business liabilities
Risks & considerations
- A pure term plan has no maturity or surrender value. If you outlive the term, nothing is paid back — this is the intended design.
- Claims can be rejected for non-disclosure. Declare medical history, smoking and existing conditions completely and accurately.
- Most policies exclude death by suicide within the first year and may have other exclusions.
- Cover lapses if premiums are not paid.
- Premiums rise with age and health, so deferring the purchase costs money.
Important information
Insurance is the subject matter of solicitation. Please read the sales brochure and policy wording carefully for details on benefits, exclusions, limitations, terms and conditions before concluding a sale.
Sarvam Associates is a distribution partner, not the manufacturer of these products.
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Next step
Talk to a Sarvam advisor
Fifteen minutes on life insurance & term plans — whether it fits, what it would cost you, and what could go wrong. No obligation either way.
Important information
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing.
Sarvam Associates is a distribution partner, not the manufacturer of these products.
The content on this website is for general information only and does not constitute investment advice or a recommendation to buy or sell any product. Product suitability depends on your individual circumstances. Please speak with an advisor before investing.