Why Life Insurance?

Life Insurance plan is the safest and the most secure way to protect your family or dependents against financial contingencies that may arise post the unfortunate event of your untimely demise. Under a Life Insurance Contract in India, the insurer assures to pay a definite sum to the policyholder’s family on his demise during the policy term.

Khushi Financial provides a variety of life insurance plans and policies to meet each individual’s insurance needs and requirements. We provide different insurance products for needs like Protection, Savings & Investments, Children education and marriage, Retirement, Health related and women specific. We help you in becoming financially independent so that you can live your life on your own terms.

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Types of Life Insurance

Health Insurance

Health Insurance is an insurance policy that ensures that you get cashless treatment or expense reimbursement, in case you fall ill. It is a contract between a general insurance company and one, which considers expenses incurred when availing treatment. However, the insurance company would pay for your treatment if the medical condition is covered by your policy.

Individual Plans Cashless Hospitalization: Medical expenses are sky-rocketing! Get health insurance for your medical outlay. With cashless facility, stay tension-free and cure yourself faster.

Health Insurance Plans :-

  • – Individual Health Plan
  • – Senior Citizen Health Plan
  • – Critical Illness Insurance
  • – Cancer Insurance Plan

Child Insurance

Child Plan is insurance cum investment plan that serves two purposes – Financially secure your child’s future & finance the turning points in his/her life such as higher education and marriage. So, like a double-edged sword, the best child plan is designed to protect the future of your child in case of your unfortunate demise and at the same time, builds a corpus over a term to be utilized to finance prime moments in his/her life.

Child Insurance Plans :-

  • – Children’s Money Back Policy
  • – Child carrier plan
  • – Vision Star Plan
  • – Metlife Smart child

Women Insurance

Women share equal amount of responsibilities as any man. Thus it becomes equally important for them as well to plan their finances and life judicially. Women life insurance plans are especially designed for taking care of women’s specific requirements and their needs. These plans not only assist women in proper planning of their finances but also helps them in securing their future and of those dependent on them. These insurance plans have been carefully made, after considering their specific financial and medical requirements at various stages of life.

Women Insurance Plans :-

  • – Retirement Insurance Plans
  • – Child Insurance Plans
  • – Health Insurance Plans

Retirements Insurance

Retirement plans are investment plans that lets you allocate a part of your savings to accumulate over a period of time and provide you with steady income after retirement. Even if a person has a good amount of savings, a retirement plan is nevertheless crucial. Savings get exhausted very fast and are sometimes used in emergencies, so selecting the best pension scheme helps you secure your cash flow for meeting basic daily needs post retirement. When you continuously invest in retirement plans, the amount grows manifold due to the compounding effect which makes a lot of difference to your final savings corpus. A right pension scheme lets you plan for retirement in a phased manner. So it is advisable to choose a best retirement plan that can act as a savior in your golden years.

Retirements Insurance Plans :-

  • – Increasing Retirement
  • – Medical Expenses
  • – Financial Independence

Rural & Social Insurance

Most employers and employees pay social insurance contributions into the national Social Insurance Fund. In general, the payment of social insurance is compulsory. The term ‘insurable employment is used to describe employment that is liable for social insurance contributions.

The Social Insurance Fund is made up of a current account and an investment account managed by the Minister for Social Protection and the Minister for Finance, respectively. The current account consists of monies collected from people in employment. This money is then used to fund social insurance payments. The investment account is a savings account that is managed by the Minister for Finance.

Social insurance systems tend to be self-financing, with contributions placed in specific funds for that purpose. Because the payment of benefits is based generally on contributions made and not on need, the necessity for a means test is removed. Benefits become a right, and any stigma attached to receiving public funds is reduced. In certain countries, social insurance programs resemble private insurance in that the required contribution levels reflect varying degrees of risk. For example, contributions to unemployment insurance programs for employers with low discharge and layoff rates may be less than for those with higher rates.

Rural & Social Insurance Plans :-

  • – Social Security
  • – Medicare
  • – Unemployment

NRI Insurance

As an NRI who is considering to invest in India, the life insurance space has a variety of products to suit all your needs – be it planning for your retirement, funding your child’s education or fulfilling similar goals. We, at khushi financial Life Insurance, are committed to bring you innovative products and solutions. You can choose from a range of plans that offer pure protection, protection and savings, income after retirement and solutions customized for your specific needs.

In addition to this, our aim is to ensure that you and your family are secure and free from worries, regardless of where you live. With Khushi financial Life Insurance, you know you have made the right choice at every step of your policy.

Our goal has always been to make the process of buying life insurance simpler and hassle-free for you, through innovation and technology.

NRI Insurance Plans :-

  • – Travel Guard Insurance for Overseas travel
  • – Student Guard plus for Student Travelling Overseas
  • – Asia Guard

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Benefit of Life Insurance

  • – Life insurance provides an infusion of cash for dealing with the adverse financial consequences of the insured’s death..
  • – Many life insurance policies are exceptionally flexible in terms of adjusting to the policyholder’s needs. The death benefit may be decreased at any time and the premiums may be easily reduced, skipped or increased.
  • – A cash value life insurance policy may be thought of as a tax-favored repository of easily accessible funds if the need arises; yet, the assets backing these funds are generally held in longer-term investments, thereby earning a higher return.
  • – Life insurance enjoys favorable tax treatment unlike any other financial instrument.


One of the most important reasons to purchase life insurance is to ensure your loved ones are provided for financially. Life insurance is also useful in helping your survivors pay bills and debts after your death, as well as for funeral expenses. It may be used for wealth accumulation and distribution as part of an overall financial strategy.

You could apply for a duplicate document from the insurance company. You will receive a duplicate policy after paying the necessary fees and executing an indemnity bond.

Typically, when you buy an insurance policy, it is a contract or an agreement that you are entering into with the insurance company. It is a fixed price that you are willing to pay in order to remain insured for the term of the policy. Thus, such a price is pre-fixed and the insurance company cannot increase the same later.

The age at which the receipt of pension starts in an insurance-cum-pension plan.

Ideally, the term of your policy should be equal to the number of years your family will be dependent on you financially. However, ensure that your insurance payment period is also equal to the number of years you plan to work.
If you are one of those gentlemen who have been lucky to have a wife that has always been a homemaker, please ensure that you have a pension policy or a whole life policy that takes care of your wife’s needs, in your absence as well.

The policy can be surrendered for cash only after the premiums have been paid for at least three years. The minimum surrender value allowed is equal to a certain percentage of the total amount of premiums paid excluding the premiums for the first year and all extra premiums or additional premiums for accident benefits that may have been paid.

The disinvestment of unit funds and reinvestment into others is called switching. It does not impact the investment allocation of your future contributions.

It implies changing of your current contribution allocation percentage into various funds from now onwards. It does not affect the allocation percentage of the contribution already invested.

Policy holders are expected to pay premium on due dates. A period is 15-30 days is allowed as grace to make payment of premium; such period is days of grace or grace period.

Period between the date of subscription to an insurance-cum-pension policy and the time at which the first installment of pension is received. Such policies generally prescribe a minimum and maximum limit on the deferment period.

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