Life Insurance
I’m young and healthy. Why do I need life insurance now?
That’s exactly WHY you need it now! When you’re young and healthy:
- Premiums are super cheap (₹500-1000/month for ₹1 crore cover!)
- No medical issues to worry about
- You can lock in low rates for 30+ years
- If you have loans or dependents, they need protection
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What are the different types of life insurance? Which one should I choose?
Here’s the simple breakdown:
Term insurance
Pure protection, highest cover, lowest cost (BEST for most people)
Endowment plans
Insurance + guaranteed savings
ULIPs
Insurance + market investments
Whole life
Coverage until 99/100 years old
How much life insurance coverage do I actually need?
Easy formula: 10-15 times your annual income
- If you earn ₹5 lakhs/year → Get ₹50-75 lakhs cover
- Add extra for loans (home loan, car loan)
- Consider inflation and family needs
Can I save taxes with life insurance?
Absolutely! Double tax benefits:
Section 80C
Deduct premiums up to ₹1.5 lakhs from taxable income
Section 10(10D)
Death benefit is completely tax-free
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We are availing the services of AIMS for our company’s insurance needs and have found their service to be reliable and professional. Their support and responsiveness make them a trusted partner for our insurance requirements.
Maya George
I had a great experience with AIMS. The team was very easy to work with. They gave us all the information we needed to make the right choice for health insurance that suited our needs the most.
Maya Gopi
I had a great experience with the service at AIMS Thrissur branch. I have no words to express my appreciation for the staff at this branch. The entire team operates with professionalism.
Farhan
A very prompt and really helpful broking team. Their Kochi office was very helpful and supportive in all my insurance needs…I strongly recommend their service for any type of insurance needs.
Rithu
While dealing with AIMS Cochin office for the settlement of my claim, i really impressed with the service provided by the team in that office especially the staff Ms Renya who was attending my claim.