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Important: As per Finance Act 2016, from 01st June 2016, due to introduction of Krishi Kalyan Cess @ 0.5%, service tax rates has been revised . Consequently, for unit linked plans, the additional service tax will be deducted in the form of units. For non-linked plans, there will be an increase in the policy premium amount.   Click here  to know more.
Before choosing a policy


10 things to know before you choose a new insurance policy
  • Calculate!Calculate!Calculate!
    How much of the family income do you provide? Does anyone else depend on you financially? How will your family pay final expenses and repay debts after your death? Based on the answers to these questions, calculate the coverage you need.

  • Decide on the kind of policy you need
    Will it be a term policy or a saving product? Or will it be an investment product or a pension policy, or a combination of all of these?

  • One big policy or many small policies
    Yes! You can choose to have several policies too! Diversify policies for goals not for spreading your premiums. It is best to consolidate death benefits and save on paper work and co-ordination.

  • How much premium should you pay?
    Only commit what you are comfortable committing on an annual basis over the long term. If this means a larger term policy and fewer savings policies, then so be it.

  • Know your goals: Don't focus only on tax savings
    Always remember the purpose of insurance is to protect your loved ones, tax saving is only incidental because the government uses it as encouragement for you to secure your family as part of its social goals.Know why you are taking insurance. It may be one of the below:
    • Expense protection: Protect your loved ones in case of your death.
    • Liability protection: Cover loans so that in case of death, these are paid off and your loved ones don't have to worry about it.
    • Goal protection: Securing children's education and marriage and your retirement come in this category.

  • Choose an insurance provider
    Don't restrict your choices. For example if Company A is good at investment products, choose A for investment products and if Company B is cheaper with term products- choose B for your term products. However,always ensure service levels are good before making a choice.

  • Providing all information
    Fill the proposal form very carefully and personally. As you are responsible for its contents, ensure that the information you give cannot be disputed during a claim. Also ensure that all questions are explained correctly to you and that you have understood them completely. You have to give a declaration to this effect in the proposal form.

  • Why a claims settlement ratio is important
    The claims settlement ratio of a company helps evaluate what percentage of claims made with an insurance provider are honored.

  • Choose offline/ online solutions
    Online is a more do-it-yourself cheaper option, while offline offers the benefit of having an advisor to guide you or support your family's claims

  • Understand your policy thoroughly
    Understand the risk factors, terms and conditions of the plan. Read the sales brochures and other promotional material carefully.
    • Check the premium type
      Your policy may offer you several modes of payment including Single or Regular Premium. A regular premium payment plan can be monthly, quarterly or annually.
    • Know the tenure and benefits
      Ensure that you are clear on the tenure/ length that the policy is active. Also understand the benefits available under the plan before and at Maturity.
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For more details on risk factors, terms and conditions please read sales brochure carefully before concluding the sale.

Trade Logo displayed above belongs to SUN LIFE ASSURANCE COMPANY OF CANADA and ADITYA BIRLA MANAGEMENT CORPORATION PRIVATE LIMITED and used by BIRLA SUN LIFE INSURANCE COMPANY LIMITED as per terms and conditions of license Agreement.

Registered Office: One Indiabulls Centre Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013. CIN: U99999MH2000PLC128110 Registration No. 109.


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