Life Insurance Services by Apeksha Investments
At Apeksha Investments, we understand that securing your family’s future and achieving your financial goals are top priorities. That’s why we offer a comprehensive range of life insurance services designed to provide long-term security and peace of mind. Our life insurance plans are tailored to meet the unique needs of every individual, ensuring that you and your loved ones are financially protected at every stage of life.
Our Life Insurance Services:
1. Pension Plans
Planning for retirement is crucial to ensure a comfortable and financially secure life post-retirement. Our pension plans help you build a steady income stream for your retirement years, providing you with the financial freedom to enjoy life without financial worries. These plans are flexible, allowing you to choose your investment horizon and retirement age, ensuring a smooth transition into your golden years.
2. Child Education Plans
Securing your child’s future education is one of the most important investments you can make. Our child education plans are designed to help you save and accumulate funds to cover future education costs, ensuring that your child has access to quality education without financial constraints. These plans provide financial security, so your child can pursue their academic goals without compromise.
3. Short-Term Investment Plans
For those looking to meet short-term financial goals, our short-term investment plans offer the perfect solution. These plans are ideal for individuals who want to invest for a shorter duration while still enjoying the benefits of life insurance coverage. Whether you’re saving for a vacation, home renovation, or any other short-term need, our plans provide both growth potential and financial protection.
Why Choose Apeksha Investments?
At Apeksha Investments, we are committed to providing our clients with the best financial solutions that meet their life insurance and investment needs. Here are a few reasons why you should choose us:
Tailored Financial Solutions
We understand that every individual and family has unique financial goals. Our team works closely with you to create personalized life insurance and investment plans that align with your specific requirements, whether it’s for retirement, your child’s education, or short-term financial needs.
Expert Financial Advisors
Our experienced financial advisors are dedicated to helping you make informed decisions. With deep expertise in life insurance and investment strategies, we provide professional advice to ensure that your investments are secure and optimized for long-term growth.
Comprehensive Range of Services
From pension plans to child education and short-term investment options, Apeksha Investments offers a comprehensive suite of life insurance services. We aim to provide you with all the tools and plans necessary to secure your financial future under one roof.
Trusted and Reliable Partner
Apeksha Investments has built a reputation for reliability and trustworthiness. Our commitment to transparency and client-focused service ensures that you are always informed and in control of your financial decisions.
Flexible Investment Options
Whether you’re looking for long-term security or short-term financial growth, we offer a variety of flexible plans to meet your changing needs. Our solutions are designed to grow with you, adapting to your financial situation as it evolves.
Focus on Financial Security
Our primary goal is to safeguard your financial future. With our life insurance and investment plans, you can enjoy peace of mind knowing that your family and future are protected, no matter what life brings.
Choose Apeksha Investments for a secure, personalized, and reliable approach to life insurance and financial planning. Secure your financial future with Apeksha Investments. Let us help you plan for a worry-free tomorrow.
Jeevan Umang
LIC Jeevan Umang is a non-linked, participating whole life insurance plan that offers both protection and income benefits. Here’s an overview of the plan details:
Key Features:
Lifelong Coverage: Provides life insurance coverage up to 100 years of age.
Survival Benefits: After the premium payment term, the policyholder receives an annual survival benefit (8% of the Sum Assured) until maturity or death.
Maturity Benefit: A lump sum amount is paid at maturity, including the Sum Assured and bonuses.
Death Benefit: In the event of death before policy maturity, the nominee receives the full Sum Assured along with bonuses.
Bonus: As a participating plan, Jeevan Umang is eligible for reversionary bonuses declared by LIC.
Eligibility:
Minimum Age at Entry: 90 days.
Maximum Age at Entry: 55 years.
Policy Term: Lifelong or until 100 years of age.
Premium Payment Term: 15, 20, 25, or 30 years.
Premium Payment:
Mode of Payment: Yearly, half-yearly, quarterly, or monthly.
Benefits:
Survival Benefit: 8% of the Basic Sum Assured paid annually after the premium payment term.
Maturity Benefit: Basic Sum Assured plus accrued bonuses paid on policy maturity.
Death Benefit: In case of death, the nominee receives the higher of 10 times the annual premium or the Basic Sum Assured plus accrued bonuses.
Riders (Optional):
Accidental Death and Disability Benefit Rider.
Term Assurance Rider.
New Critical Illness Benefit Rider.
Loan Facility:
After a certain premium payment period, policyholders can avail of loans against the policy.
Tax Benefits:
Premiums paid and benefits received under the policy are eligible for tax deductions under sections 80C and 10(10D) of the Income Tax Act.
Jeevan Labh
LIC Jeevan Labh is a non-linked, participating life insurance plan that combines the benefits of savings and protection. Here’s an overview of the plan details:
Key Features:
Limited Premium Payment: Premiums are paid for a limited period, while the policy provides coverage until maturity.
Maturity Benefit: At the end of the policy term, the policyholder receives the Sum Assured along with any accrued bonuses.
Death Benefit: In case of the policyholder’s death during the policy term, the nominee receives the Death Sum Assured along with bonuses.
Bonus: The plan participates in LIC’s profit-sharing and is eligible for Simple Reversionary Bonuses.
Eligibility:
Minimum Age at Entry: 8 years.
Maximum Age at Entry: 59 years.
Policy Term: 16, 21, or 25 years.
Premium Payment Term: 10, 15, or 16 years, depending on the policy term.
Benefits:
Maturity Benefit: Basic Sum Assured + Accrued Bonuses paid at maturity if the policyholder survives the term.
Death Benefit: In case of death during the policy term, the nominee will receive the higher of 10 times the annual premium or the Basic Sum Assured + Bonuses.
Death Benefit Formula:
7 times Annualized Premium OR Sum Assured on Death (whichever is higher) + Bonuses.
Riders (Optional):
Accidental Death and Disability Benefit Rider.
Term Assurance Rider.
New Critical Illness Benefit Rider.
Loan Facility:
After a certain period of premium payment, policyholders can avail loans against the policy.
Tax Benefits:
Premiums paid and maturity/death benefits received are eligible for tax deductions under Sections 80C and 10(10D) of the Income Tax Act.
Ideal For:
People looking for savings-oriented insurance with a limited premium payment period.
Long-term financial planning, such as children’s education, marriage, or retirement planning.