We have divided the insurance policies into 5 types to accommodate and meet the modern-day requirements of insurance. We have done so to simplify the concept of insurance as well as provide you with a comprehensive cover in order to protect you from any unpredictable or unforeseen events that can cause financial losses. By dividing the insurance into 5 categories instead of the common 3 categories we have made it easier for you to categorize various insurance policies as per their objectives and goals.
An insurance policy these days can do much more than providing coverage. The are various types of insurance policies that offer guaranteed and stable returns for decades. Insurance policies are one of the most preferred investment instrument as they offer guaranteed and stable returns for decades.
We Offer The Following Types Of Insurance:
Term Life Insurance:
In today’s world, our lives are full of unpredictable risks and events. We live with various risks like loss of life, loss of income, critical illness, disability, etc. on a daily basis and most of us are ill-prepared against them. It is important that we understand the value of our lives and get them insured in order to save ourselves and safeguard our families from any unpredictable event. We at Ashutosh Financial Services do insurance planning for you and figure out adequate coverage that you should have to cover all your liabilities.
We decide your cover amount or sum assured after discussing with you your goals, your lifestyle, and the number of dependents you have. We believe that every individual has a different goal and lifestyle and hence requires a different type of term plans. We offer various types of term plans to cover all your needs.
Term Plan Basic Option
Term Plan – Increasing Sum Assured Option
Term Plan – Decreasing Sum Assured Option
Term Plan – Income Option
People these days are getting more and more financially literate and are trying to have a financial plan and no financial planning is complete without a complete retirement plan. Retirement planning is the process of accumulating a sum of money that you will need to survive and live a comfortable life in your post-retirement years. This planning is done by estimating your current lifestyle expenses along with your future goals and expectation after factoring in inflation.
One should have a comprehensive retirement plan to live a comfortable and independent retired life. Since it’s a matter of your retired life, you cannot have risk. The only instrument that provides you with stable, secure, and guaranteed returns over a long period is when retirement planning is done through insurance. Insurance policies specially designed for retirement planning are the most ideal instrument for your retirement planning. Most of these insurance policies have regular and guaranteed payouts at fixed intervals and the best part is that these returns are not based on the stock market returns and hence are safe.
Investment through term life insurance is a new and modern type of insurance wherein you not only get the benefit of insurance but also get some returns from the life insurance policy. These policies are specially designed to offer both life insurance and returns from the policy in the same premium. These policies are very attractive as they offer both safe and secured returns as well as life insurance.
These policies offer stable and safe returns for decades and that ensures a steady flow of income. These types of investments are a must for diversifying your investments and ensuring that you are not too dependent on any one asset class.
Guaranteed Return Insurance Plans
Fixed Maturity Plans
Unit Linked Insurance Plans (ULIP)
Participating Plans
Employer-Employee Insurance Plans
Our Process
1
Understanding Your Insurance Needs
We begin by discussing your financial responsibilities, family needs, health considerations, and future goals. This helps us recommend suitable life insurance and health insurance solutions that provide proper protection.
2
Policy Review and Risk Assessment
Our team evaluates your current insurance coverage, financial commitments, and possible risks. This step helps us identify gaps where proper health insurance services can offer better coverage and security.
3
Selecting the Right Insurance Plan
4
Policy Assistance and Setup
5
Support and Policy Review
Why Choose Us for Insurance Services
Our work is based on a fiduciary mindset where the client’s interest is always the priority. We focus on long term relationships built on trust, transparency, and responsible financial guidance.
Experienced Financial Advisor
Our professionals work closely with clients to understand their financial goals and provide guidance as a trusted financial advisor with strong industry knowledge and practical experience.
Strategic Investment Guidance
We believe in honest communication and clear recommendations. Clients receive straightforward guidance that helps them understand financial options and make informed decisions.
Financial services require adherence to strict regulations. Our team stays updated with financial rules and compliance requirements to ensure clients receive reliable and responsible support.
Frequently Ask Question
Insurance advisory usually includes support for protection plans such as health insurance services, life coverage, travel insurance, and long term financial protection plans. These services help individuals and families manage financial risks and prepare for unexpected situations.
Life insurance helps provide financial security to family members in case of an unforeseen event. Term life Insurance services are often chosen because they offer coverage for a specific period and help protect dependents from financial hardship.
Travel insurance generally covers situations such as medical emergencies during travel, trip cancellations, lost baggage, and other unexpected travel related issues. Professional travel insurance services help individuals select policies that match their travel needs and destination.
Both policies play different roles in financial protection. Life insurance health insurance planning helps ensure that individuals have coverage for medical expenses as well as financial protection for their family in case of major life risks.
Insurance coverage is useful for working professionals, families, business owners, and individuals who want financial protection for health risks, travel related emergencies, or long term family security.
A financial advisor reviews an individual's financial goals, risk exposure, and family needs before recommending suitable insurance options. This helps ensure that the selected policy aligns with long term financial planning and protection goals.
