\u003Cspan>Plot No:31 & 32, Beside Union Bank Training Centre,\u003C/span>\u003Cbr />\u003Cspan>Financial District, Gachibowli,\u003C/span> \u003Cbr />\u003Cspan>Hyderabad-500032, India.\u003C/span>\u003C/p>"},{"title":"Helpline","heading":"Helpline","description":"\u003Cul>\u003Cli>\u003Ca href=\"tel:1800-103-5319\">Customer - 1800-103-6116\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"tel:1800-103-2671\">Agent - 1800-103-2671\u003C/a>\u003C/li>\u003C/ul>"}],"social_media_group":[{"title":"Follow us on","heading":"Follow us on","social_media":[{"title":"Facebook - Follow us on","icon":[{"media_img":null,"media_svg":"https://cdn.shriramlife.com/slic-kalam/files/2023-04/facebook.svg","media_svg_alt":"facebook","media_document":null}],"menu_link":{"url":"https://www.facebook.com/Shriramlife","text":"https://www.facebook.com/Shriramlife"}},{"title":"Twitter - Follow us on","icon":[{"media_img":null,"media_svg":"https://cdn.shriramlife.com/slic-kalam/files/2023-09/Twitter_X__1_%20%282%29.svg","media_svg_alt":"twitter","media_document":null}],"menu_link":{"url":"https://twitter.com/shriramlifeins","text":"https://twitter.com/shriramlifeins"}}]}],"app_group":[{"title":"Download App","heading":"Download App","Apps":[{"title":"Download App - Android","heading":"Android","icon":[{"media_img":null,"media_svg":"https://cdn.shriramlife.com/slic-kalam/files/2023-04/android.svg","media_svg_alt":"android","media_document":null}],"menu_link":{"url":"https://play.google.com/store/apps/details?id=com.svs.slic","text":"https://play.google.com/store/apps/details?id=com.svs.slic"}}]}],"copy_rights":"\u003Cp>© Shriram Life Insurance Co. Ltd. All the rights reserved. Registered with Insurance Regulatory & Development authority of India (IRDAI) as Life Insurance Company. Regn. No. 128. CIN: U66010TG2005PLC045616\u003C/p>"}],"headers":{"x-powered-by":["Express"],"access-control-allow-origin":["*"],"x-frame-options":["SAMEORIGIN"],"content-type":["text/html; charset=utf-8"],"content-length":["16109"],"etag":["W/\"3eed-8cdh7D7Xv7uQBbXaY7Wlj4POczA\""],"vary":["Accept-Encoding"],"date":["Mon, 15 Jul 2024 14:43:18 GMT"],"connection":["keep-alive"],"keep-alive":["timeout=5"]},"status":200,"statusText":"OK","url":"http://127.0.0.1:4000/api/v1/footer","responseType":"json"},"2002562214":{"body":[{"category":[{"id":1781,"name":"Super Income Plan"},{"id":1782,"name":"Others"},{"id":1930,"name":"Child Plan"},{"id":1979,"name":"Early Cash Plan"},{"id":1982,"name":"Assured Income Plan"},{"id":1984,"name":"Golden Premier Saver Plan"},{"id":1985,"name":"Premier Assured Benefit"}],"blogs":[{"title":"3 Scenarios where Premier Assured Benefit can support your family","heading":"3 Scenarios where Premier Assured Benefit can support your family","short_description":"\u003Cp>In the realm of financial planning, ensuring the well-being and security of one's family stands as a paramount objective.\u003C/p>","tile_image":[{"media_img":{"url":"https://cdn.shriramlife.com/slic-kalam/files/2024-07/5.%203%20Scenarios%20where%20Premier%20Assured%20Benefit%20can%20support%20your%20family_0.png?VersionId=Rv8gvA2RvblXiXlDJ46dgx1rfO7zXeRE","alt":"Instances PAB supports your family"},"media_svg":null,"media_svg_alt":"","media_document":null}],"posted_on":"2024-07-05T16:55:44","updated_on":false,"read_more_title":"Know More","slug":"/scenarios-where-premier-assured-benefit-can-support-your-family","field_bl_tag":"\u003Ca href=\"/blog/guides/popular\" hreflang=\"en\">Popular\u003C/a>, \u003Ca href=\"/blog/guides/savings\" hreflang=\"en\">Savings\u003C/a>","description":"\u003Cp>In the realm of financial planning, ensuring the well-being and security of one's family stands as a paramount objective. \u003Ca href=\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan\" target=\"_blank\">Premier Assured Benefit Plan\u003C/a> (PAB), offered by Shriram Life Insurance, emerges as a versatile solution designed to support families across various life stages and financial milestones. With its unique blend of protection, savings, and investment opportunities, PAB stands ready to address a myriad of financial planning goals. In this article, we explore three scenarios where Premier Assured Benefit can serve as a cornerstone in supporting your family's financial needs, encompassing child education, retirement planning, and legacy wealth creation.\u003C/p>\u003Ch2>\u003Cstrong>Scenario 1: Funding Your Child's Education\u003C/strong>\u003C/h2>\u003Cp>One of the most significant financial responsibilities for any parent is ensuring their child's education. Premier Assured Benefit offers a tailored solution to address this critical goal by providing a combination of \u003Ca href=\"https://www.shriramlife.com/blog/others/comprehensive-guide-to-choose-the-right-life-insurance\" target=\"_blank\">comprehensive protection and long-term savings\u003C/a>. Here's how PAB can support your family in funding your child's education:\u003C/p>\u003Ch3>\u003Cstrong>Financial Protection:\u003C/strong>\u003C/h3>\u003Cp>In the unfortunate event of the policyholder's demise, Premier Assured Benefit ensures that the sum assured is paid out to the beneficiaries, providing a financial safety net for the family. This ensures that your child's education expenses are covered, even in your absence, allowing them to pursue their academic aspirations without financial constraints.\u003C/p>\u003Ch3>\u003Cstrong>Savings Component:\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit includes a \u003Ca href=\"https://www.shriramlife.com/life-insurance/savings-plan-premium-components\" target=\"_blank\">savings component\u003C/a>, allowing policyholders to accumulate wealth over the policy term. By systematically investing in the plan, parents can build a corpus that can be utilized to fund their child's education expenses. Whether it's tuition fees, books, or extracurricular activities, the savings accumulated through PAB can serve as a valuable resource in meeting educational costs.\u003C/p>\u003Ch3>\u003Cstrong>Tax Benefits:\u003C/strong>\u003C/h3>\u003Cp>Additionally, Premier Assured Benefit offers attractive tax benefits, allowing parents to save on taxes while building wealth for their child's education. The premiums paid towards the policy are eligible for tax deductions under Section 80C of the Income Tax Act, providing parents with valuable tax savings. Moreover, the maturity proceeds, and death benefits received under the policy are generally tax-free under Section 10(10D), ensuring tax-efficient wealth accumulation.\u003C/p>\u003Ch2>\u003Cstrong>Scenario 2: Planning for Retirement\u003C/strong>\u003C/h2>\u003Cp>As individuals progress through their careers, \u003Ca href=\"https://www.shriramlife.com/blog/others/life-insurance-in-comprehensive-financial-planning\" target=\"_blank\">planning for retirement\u003C/a> becomes increasingly important to ensure a comfortable and financially secure future. Premier Assured Benefit offers a strategic solution to support retirement planning, providing a combination of financial protection and long-term savings. Here's how PAB can support your family in planning for retirement:\u003C/p>\u003Ch3>\u003Cstrong>Retirement Income:\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit offers flexible payout options, allowing policyholders to choose between lump-sum payments or regular income streams during retirement. By opting for regular income payments, individuals can create a steady source of income to support their lifestyle expenses during retirement, ensuring financial security and peace of mind.\u003C/p>\u003Ch3>\u003Cstrong>Wealth Accumulation:\u003C/strong>\u003C/h3>\u003Cp>The savings component of Premier Assured Benefit enables individuals to accumulate wealth over the policy term, providing an asset for retirement. By systematically investing in the plan, individuals can build a substantial corpus that can be utilized to supplement their retirement income, meet healthcare expenses, or pursue leisure activities during their golden years.\u003C/p>\u003Ch3>\u003Cstrong>Estate Planning:\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit can also be leveraged as a \u003Ca href=\"https://www.shriramlife.com/life-insurance/savings-plan-calculator\" target=\"_blank\">tool for estate planning\u003C/a>, allowing individuals to pass on their wealth to their heirs in a tax-efficient manner. By nominating beneficiaries under the policy, individuals can ensure a smooth transfer of assets and provide financial security to their loved ones even after their demise. This estate planning feature adds an additional layer of versatility to Premier Assured Benefit, making it a comprehensive solution for \u003Ca href=\"https://www.shriramlife.com/life-insurance/retirement-plan-calculator\" target=\"_blank\">retirement planning\u003C/a>.\u003C/p>\u003Ch2>\u003Cstrong>Scenario 3: Legacy Wealth Creation\u003C/strong>\u003C/h2>\u003Cp>Beyond meeting immediate financial needs, Premier Assured Benefit offers a unique opportunity for individuals to create a legacy for future generations. Whether it's leaving an inheritance for children and grandchildren or supporting charitable causes, PAB can serve as a powerful tool for legacy wealth creation. Here's how PAB can support your family in creating a legacy:\u003C/p>\u003Ch3>\u003Cstrong>Wealth Preservation:\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit ensures that the accumulated wealth is preserved over time, protecting it from market fluctuations and economic uncertainties. This wealth preservation feature ensures that individuals can pass on their assets intact to their beneficiaries, providing financial security and stability for future generations.\u003C/p>\u003Ch3>\u003Cstrong>Estate Equalization:\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit can be used to equalize inheritances among beneficiaries, ensuring fair and equitable distribution of assets. By nominating beneficiaries and specifying the sum assured, individuals can allocate their assets in a manner that reflects their wishes and values, fostering harmony and unity within the family.\u003C/p>\u003Ch3>\u003Cstrong>Charitable Giving:\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit can also be used to support charitable causes and organizations that are meaningful to the policyholder. By designating a portion of the sum assured to charity, individuals can leave a positive impact on society and contribute to causes that align with their values and beliefs.\u003C/p>\u003Ch3>\u003Cstrong>Conclusion: Securing Your Family's Future with Premier Assured Benefit\u003C/strong>\u003C/h3>\u003Cp>In conclusion, Premier Assured Benefit from Shriram Life Insurance emerges as a versatile financial tool designed to support families across various life stages and financial milestones. Whether it's funding your child's education, planning for retirement, or creating a legacy, PAB offers a tailored solution that addresses your unique financial needs and aspirations. With its combination of comprehensive protection, long-term savings, and tax benefits, Premier Assured Benefit empowers individuals to secure their family's future with confidence and peace of mind.\u003C/p>\u003Cp>Furthermore, opting for flexible plans such as Premier Assured Benefit not only provides financial security but also instils a sense of confidence and peace of mind, knowing that your family's future is safeguarded against life's uncertainties. With its flexible payout options, tax benefits, and wealth accumulation opportunities, this plan offers a holistic approach to financial planning, allowing individuals to navigate life's transitions with ease. Whether it's protecting loved ones, building wealth, or leaving a legacy, Premier Assured Benefit serves as a beacon of stability and prosperity, guiding families towards a brighter and more secure future. By choosing a savings plan with insurance coverage such as the Premier Assured Benefit from Shriram Life Insurance, you're not just investing in an insurance policy – you're investing in your family's happiness, security, and prosperity for generations to come.\u003C/p>","category":"/blog/premier-assured-benefit"},{"title":"Understanding coverage vs savings: the relationship between premium amounts and sum assured and why these matters in PAB","heading":"Understanding coverage vs savings: the relationship between premium amounts and sum assured and why these matters in PAB","short_description":"\u003Cp>In the intricate landscape of insurance planning, grasping the dynamics between coverage and savings is fundamental for making sound financial deci\u003C/p>","tile_image":[{"media_img":{"url":"https://cdn.shriramlife.com/slic-kalam/files/2024-07/4.%20Understanding%20coverage%20vs%20savings_%20the%20relationship%20betweem%20premium%20amounts%20and%20sum%20assured%20and%20why%20this%20matters%20in%20PAB_0.png?VersionId=VpTRnc1Iw61PiazmRY2CxtNkP09gojRG","alt":"Saving components of Premier Assured Benefits plan"},"media_svg":null,"media_svg_alt":"","media_document":null}],"posted_on":"2024-07-04T10:39:25","updated_on":false,"read_more_title":"Know More","slug":"/relationship-between-premium-amounts-and-sum-assured-and-why-these-matters-in-pab","field_bl_tag":"\u003Ca href=\"/blog/guides/popular\" hreflang=\"en\">Popular\u003C/a>, \u003Ca href=\"/blog/guides/savings\" hreflang=\"en\">Savings\u003C/a>","description":"\u003Cp>In the intricate landscape of insurance planning, grasping the dynamics between coverage and savings is fundamental for making sound financial decisions. \u003Ca href=\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan\" target=\"_blank\">Premier Assured Benefit\u003C/a> (PAB), an innovative offering from Shriram Life Insurance, epitomizes this delicate balance by integrating comprehensive protection with wealth accumulation opportunities. Central to understanding PAB is unravelling the relationship between premium amounts and sum assured – two pivotal \u003Ca href=\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan-premium-components\" target=\"_blank\">components that dictate the efficacy of the policy\u003C/a>. In this article, we embark on a journey to demystify this relationship, exploring why it matters and how it shapes the landscape of insurance planning, particularly within the realm of PAB.\u003C/p>\u003Ch2>\u003Cstrong>Unveiling the Basics: Coverage vs Savings\u003C/strong>\u003C/h2>\u003Cp>At its core, insurance serves a dual purpose: providing financial protection against unforeseen events and facilitating \u003Ca href=\"https://www.shriramlife.com/blog/others/life-insurance-in-comprehensive-financial-planning\" target=\"_blank\">savings for future needs\u003C/a>. Coverage, often referred to as the sum assured or death benefit, represents the amount payable to the policyholder's beneficiaries in the event of the insured individual's demise. On the other hand, savings refer to the portion of the premium allocated towards building a corpus over time, offering individuals an avenue for wealth accumulation. Understanding the intricate interplay between these two aspects is essential for optimizing the benefits of an insurance policy and aligning it with one's financial goals.\u003C/p>\u003Ch2>\u003Cstrong>The Nexus of Premium Amounts and Sum Assured\u003C/strong>\u003C/h2>\u003Cp>The relationship between premium amounts and sum assured forms the cornerstone of insurance planning, influencing the level of \u003Ca href=\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan-coverage\" target=\"_blank\">coverages and savings\u003C/a> provided by the policy. To comprehend this relationship fully, it's essential to delve into the key components involved and how they interact:\u003C/p>\u003Ch3>\u003Cstrong>1. Premium Amounts:\u003C/strong>\u003C/h3>\u003Cp>The premium amount represents the cost of insurance coverage and savings accumulation under the policy. It is determined based on various factors, including the insured individual's age, health condition, lifestyle habits, and desired level of coverage. The premium amount is divided into two components: one portion goes towards providing risk cover, while the other is allocated towards accumulating savings over the policy term.\u003C/p>\u003Ch3>\u003Cstrong>2. Risk Cover:\u003C/strong>\u003C/h3>\u003Cp>The portion of the premium allocated towards risk cover, also known as mortality charges, is used to mitigate the insurer's risk of having to pay out the sum assured in the event of the insured individual's demise. Mortality charges are calculated based on actuarial principles, considering factors such as the insured individual's age, gender, health status, and life expectancy. The risk cover ensures that the sum assured is available to the policyholder's beneficiaries in case of an unfortunate event.\u003C/p>\u003Ch3>\u003Cstrong>3. Sum Assured:\u003C/strong>\u003C/h3>\u003Cp>The sum assured represents the guaranteed amount payable to the policyholder's beneficiaries upon the insured individual's demise. It serves as the cornerstone of the policy's financial protection component, providing a safety net for the insured individual's loved ones in times of need. The sum assured is determined based on various factors, including the insured individual's income, financial obligations, outstanding debts, and desired standard of living for their beneficiaries.\u003C/p>\u003Ch3>\u003Cstrong>4. Fund Allocation\u003C/strong>:\u003C/h3>\u003Cp>The remaining portion of the premium, after deducting mortality charges for risk cover, is allocated towards building a savings corpus over the policy term. This portion of the premium is invested in various savings instruments, such as bonds, equities, or money market funds, to generate returns over time. The fund allocation strategy is determined based on factors such as the policyholder's risk tolerance, investment horizon, and financial objectives.\u003C/p>\u003Ch2>\u003Cstrong>Deciphering the Mechanism in Premier Assured Benefit\u003C/strong>\u003C/h2>\u003Cp>In Premier Assured Benefit, the relationship between premium amounts and sum assured is intricately woven into the fabric of the policy, shaping its efficacy and value proposition for policyholders. Understanding how the paid premium is split up and allocated towards providing risk cover and accumulating savings over the long term is crucial for \u003Ca href=\"https://www.shriramlife.com/blog/early-cash-plan/maximizing-returns-understanding-the-savings-component-of-early-cash-plan\" target=\"_blank\">maximizing the benefits of the policy\u003C/a>. Here's a closer look at the mechanism:\u003C/p>\u003Ch3>\u003Cstrong>1. Optimal Risk Cover:\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit ensures that the \u003Ca href=\"https://www.shriramlife.com/blog/premier-assured-benefit/maximizing-benefits-with-flexible-premium-payment\">premium amount is optimally allocated\u003C/a> towards providing adequate risk cover to the insured individual. By accurately assessing the insured individual's risk profile and mortality risk, the policy ensures that the sum assured is available to provide financial protection to the insured individual's beneficiaries in case of an unfortunate event. This optimal risk cover mechanism enhances the policy's effectiveness in safeguarding the insured individual's loved ones against financial uncertainties.\u003C/p>\u003Ch3>\u003Cstrong>2. Strategic Fund Allocation:\u003C/strong>\u003C/h3>\u003Cp>In Premier Assured Benefit, the remaining portion of the premium, after deducting mortality charges for risk cover, is strategically allocated towards building a savings corpus over the policy term. The fund allocation strategy is designed to generate optimal returns while balancing risk and liquidity considerations. By investing in a diversified portfolio of assets, the policy aims to maximize returns and ensure long-term wealth accumulation for the policyholder.\u003C/p>\u003Ch3>\u003Cstrong>3. Wealth Accumulation Opportunities:\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit offers policyholders the opportunity to accumulate wealth over the long term through systematic savings and investment. By leveraging the power of compounding returns and disciplined investment strategies, policyholders can build a substantial corpus that can be utilized to meet various financial goals, such as retirement planning, education funding, or wealth preservation. This wealth accumulation feature adds significant value to the policy, providing policyholders with a reliable avenue for achieving their long-term financial objectives.\u003C/p>\u003Ch2>\u003Cstrong>Why It Matters in Premier Assured Benefit\u003C/strong>\u003C/h2>\u003Cp>The relationship between premium amounts and sum assured in Premier Assured Benefit holds profound implications for policyholders' financial security and wealth accumulation. By understanding how premium amounts are split up and allocated towards providing risk cover and accumulating savings, policyholders can make informed decisions about their insurance planning and optimize the benefits of the policy. Here's why this relationship matters:\u003C/p>\u003Ch3>\u003Cstrong>Enhanced Financial Protection:\u003C/strong>\u003C/h3>\u003Cp>The optimal allocation of premium amounts towards risk cover ensures that policyholders receive adequate financial protection in case of an unfortunate event. This enhanced financial protection mechanism provides policyholders with peace of mind, knowing that their loved ones will be taken care of financially in times of need.\u003C/p>\u003Ch3>\u003Cstrong>Long-Term Wealth Accumulation:\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit offers policyholders the opportunity to build long-term wealth through systematic savings and investment. By allocating a portion of the premium towards accumulating savings over the policy term, policyholders can harness the power of compounding returns and disciplined investment strategies to build a substantial corpus for the future.\u003C/p>\u003Ch3>\u003Cstrong>Customized Financial Planning:\u003C/strong>\u003C/h3>\u003Cp>Understanding the relationship between premium amounts and sum assured empowers policyholders to plan according to their unique financial goals and objectives. By optimizing the allocation of premium amounts towards risk cover and savings accumulation, policyholders can align the policy with their specific needs and aspirations, thereby maximizing its value and effectiveness.\u003C/p>\u003Ch3>\u003Cstrong>Conclusion: Empowering Informed Decision-Making\u003C/strong>\u003C/h3>\u003Cp>In conclusion, understanding the relationship between premium amounts and sum assured is essential for navigating the landscape of insurance planning. By comprehending how premium amounts are split up and allocated towards providing risk cover and accumulating savings over the long term, policyholders can make informed decisions about their insurance planning and optimize the benefits of the policy. Whether it's enhancing financial protection, maximizing long-term wealth accumulation, or \u003Ca href=\"https://www.shriramlife.com/blog/others/life-insurance-in-comprehensive-financial-planning\" target=\"_blank\">customizing financial planning\u003C/a> according to specific goals and objectives, the relationship between premium amounts and sum assured in flexible savings plan such as Premier Assured Benefit offers a wealth of opportunities for policyholders to secure their financial future and achieve their aspirations.\u003C/p>","category":"/blog/premier-assured-benefit"},{"title":"5 Reasons Why Premier Assured Benefit Scores Over Normal Life Insurance","heading":"5 Reasons Why Premier Assured Benefit Scores Over Normal Life Insurance","short_description":"\u003Cp>In the realm of financial planning, choosing the right insurance plan is crucial for safeguarding one's future and achieving long-term goals.\u003C/p>","tile_image":[{"media_img":{"url":"https://cdn.shriramlife.com/slic-kalam/files/2024-07/3.%205%20Reasons%20why%20Premier%20Assured%20Benefit%20scores%20over%20normal%20life%20insurance_0.png?VersionId=2bpU7yRODvU9EwSpcSE8fYt6U2aoLXPl","alt":"Premier Assured Benefit vs life insurance"},"media_svg":null,"media_svg_alt":"","media_document":null}],"posted_on":"2024-07-04T05:30:14","updated_on":false,"read_more_title":"Know More","slug":"/reasons-why-premier-assured-benefit-scores-over-normal-life-insurance","field_bl_tag":"\u003Ca href=\"/blog/guides/savings\" hreflang=\"en\">Savings\u003C/a>, \u003Ca href=\"/blog/guides/popular\" hreflang=\"en\">Popular\u003C/a>","description":"\u003Cp>In the realm of financial planning, choosing the right insurance plan is crucial for safeguarding one's future and achieving long-term goals. While traditional life insurance policies offer essential protection, they often lack the flexibility and savings components necessary to address evolving financial needs. Enter \u003Ca href=\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan\" target=\"_blank\">Premier Assured Benefit – a modern-day insurance solution\u003C/a> that not only provides comprehensive coverage but also offers unparalleled flexibility and savings opportunities. Let's explore five compelling reasons why Premier Assured Benefit stands head and shoulders above normal life insurance plans.\u003C/p>\u003Ch2>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>1. Flexibility in Premium Payments and Coverage Terms\u003C/strong>\u003C/span>\u003Cspan> \u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Unlike conventional life insurance policies that offer limited flexibility in premium payments and coverage terms, Premier Assured Benefit provides a wide range of options to suit individual preferences and financial situations. Policyholders have the \u003C/span>\u003Ca href=\"https://www.shriramlife.com/blog/premier-assured-benefit/maximizing-benefits-with-flexible-premium-payment\">\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">flexibility to choose from various premium payment terms\u003C/span>\u003C/a>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">, including single premium, limited premium, or regular premium, allowing them to customize their payment schedule based on their cash flow and financial goals.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Additionally, Premier Assured Benefit offers flexibility in coverage terms, enabling policyholders to select the policy duration that best aligns with their needs and aspirations. Whether it's a short-term coverage for specific financial goals or a long-term plan to secure one's future, the flexibility offered by Premier Assured Benefit ensures that individuals can tailor the policy according to their unique circumstances.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>2. Comprehensive Coverage with Savings Component\u003C/strong>\u003C/span>\u003Cspan> \u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">While traditional life insurance policies primarily focus on providing death benefits, Premier Assured Benefit \u003C/span>\u003Ca href=\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan-coverage\" target=\"_blank\">\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">offers a unique blend of comprehensive coverage\u003C/span>\u003C/a>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\"> and savings component. In addition to the life cover, this plan allows policyholders to build a corpus over time through regular premium payments. The savings component of Premier Assured Benefit ensures that individuals can accumulate wealth while securing their family's financial future, making it a holistic solution for financial planning.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">By integrating protection with savings, Premier Assured Benefit addresses both short-term and long-term financial goals, providing individuals with peace of mind and financial security. Whether it's protecting loved ones in the event of an untimely demise or building wealth for retirement, Premier Assured Benefit offers a comprehensive solution that caters to diverse needs and aspirations.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>3. Guaranteed Returns and Maturity Benefits\u003C/strong>\u003C/span>\u003Cspan> \u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">One of the \u003C/span>\u003Ca href=\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan-features-and-benefits\" target=\"_blank\">\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">key advantages of Premier Assured Benefit\u003C/span>\u003C/a>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\"> over normal life insurance is its promise of guaranteed returns and maturity benefits. Unlike traditional policies where premiums are allocated towards providing a death benefit only, Premier Assured Benefit ensures that policyholders receive a predetermined sum assured along with accrued bonuses upon maturity of the policy. These guaranteed returns provide individuals with a sense of security and stability, making it easier to plan for future expenses and financial milestones.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Moreover, the maturity benefits offered by Premier Assured Benefit can be utilized to fulfil various financial goals, such as purchasing a house, funding education, or supplementing retirement income. This flexibility in utilizing maturity benefits adds significant value to the plan, making it an attractive option for individuals looking to combine protection with savings and wealth accumulation.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>4. Enhanced Financial Planning with Flexibility in Payout Options\u003C/strong>\u003C/span>\u003Cspan> \u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Premier Assured Benefit offers enhanced financial planning capabilities through flexibility in payout options. Policyholders have the flexibility to choose from various payout options, including lump sum payments, regular income streams, or a combination of both, based on their financial preferences and requirements. This flexibility ensures that individuals can tailor the plan according to their unique circumstances and goals, providing greater control over their financial future.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Whether it's planning for retirement, funding children's education, or managing cash flow during emergencies, the flexibility offered by Premier Assured Benefit empowers individuals to meet their financial obligations and aspirations effectively. By providing customizable payout options, Premier Assured Benefit ensures that policyholders can adapt their financial strategy according to life's changing circumstances and evolving goals.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>5. Tax Benefits and Wealth Accumulation Opportunities\u003C/strong>\u003C/span>\u003Cspan> \u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Premier Assured Benefit offers attractive tax benefits, further enhancing its appeal as a \u003C/span>\u003Ca href=\"https://www.shriramlife.com/life-insurance/savings-plan\" target=\"_blank\">\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">comprehensive insurance and savings solution\u003C/span>\u003C/a>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">. Premiums paid towards the policy are eligible for tax deductions under Section 80C of the Income Tax Act, providing individuals with an opportunity to reduce their tax liabilities while building wealth. Moreover, the maturity proceeds and death benefits received under the policy are generally tax-free under Section 10(10D) of the Income Tax Act, ensuring tax-efficient wealth accumulation and distribution.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Furthermore, Premier Assured Benefit can be leveraged as a tool for wealth accumulation and estate planning. By providing guaranteed returns and maturity benefits, the plan facilitates long-term wealth accumulation while ensuring financial security for loved ones. Additionally, the tax benefits associated with the plan make it an attractive option for individuals seeking to maximize their savings and optimize their tax liabilities.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>Conclusion: Elevate Your Financial Security with Premier Assured Benefit\u003C/strong>\u003C/span>\u003Cspan> \u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">In conclusion, Premier Assured Benefit offers a compelling alternative to traditional life insurance policies, providing a unique blend of flexibility, coverage, and savings opportunities. Whether you're a young professional starting your career, a family-oriented individual planning for the future, or a seasoned investor seeking to diversify your portfolio, \u003C/span>\u003Ca href=\"https://www.shriramlife.com/blog/premier-assured-benefit/exploring-rider-protection-options-in-life-insurance\">\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Premier Assured Benefit offers a tailored solution\u003C/span>\u003C/a>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\"> to meet your financial needs and aspirations.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">By combining comprehensive coverage with a savings component, guaranteed returns, flexibility in payout options, and tax benefits, Premier Assured Benefit stands as a testament to Shriram Life Insurance's commitment to innovation and customer-centricity.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Moreover, the flexibility ingrained within Premier Assured Benefit extends beyond premium payments and coverage terms to encompass adaptable payout options tailored to suit evolving needs and circumstances. Whether policyholders opt for regular income streams to supplement monthly expenses or lump-sum payments to finance significant milestones, the plan provides the autonomy to align payouts with individual financial objectives. This level of flexibility empowers individuals to navigate life's transitions with ease, confidence in their ability to manage financial resources effectively.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">In essence, Premier Assured Benefit embodies a holistic approach to financial security, transcending the limitations of traditional life insurance to offer a multifaceted solution that evolves alongside policyholders' aspirations. With its unwavering commitment to innovation, customer empowerment, and financial well-being, Premier Assured Benefit epitomizes Shriram Life Insurance's dedication to delivering excellence in insurance products and services. We invite you to embark on a journey towards lasting financial prosperity and peace of mind – because your financial future deserves nothing less than the pinnacle of insurance excellence.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>","category":"/blog/premier-assured-benefit"},{"title":"Combine Protection with Planning: 3 reasons why Premier Assured Benefit is better than term insurance","heading":"Combine Protection with Planning: 3 reasons why Premier Assured Benefit is better than term insurance","short_description":"\u003Ch2>Discover the unique features of savings plans and compare benefits which regular term insurance does not typically offer (savings).\u003C/h2>\u003Cp>In the \u003C/p>","tile_image":[{"media_img":{"url":"https://cdn.shriramlife.com/slic-kalam/files/2024-07/2.%20Combine%20Protection%20with%20Planning_%203%20reasons%20why%20Premier%20Assured%20Benefit%20is%20better%20than%20term%20insurance_0.png?VersionId=Cai6Sjfl0Gs.8q_t17txl.QtPz2nQiG1","alt":"Premier Assured Benefit plan is better than Term Insurance"},"media_svg":null,"media_svg_alt":"","media_document":null}],"posted_on":"2024-07-03T10:42:13","updated_on":false,"read_more_title":"Know More","slug":"/reasons-why-premier-assured-benefit-is-better-than-term-insurance","field_bl_tag":"\u003Ca href=\"/blog/guides/popular\" hreflang=\"en\">Popular\u003C/a>, \u003Ca href=\"/blog/guides/savings\" hreflang=\"en\">Savings\u003C/a>","description":"\u003Ch2>Discover the unique features of savings plans and compare benefits which regular term insurance does not typically offer (savings).\u003C/h2>\u003Cp>In the realm of financial planning, striking a balance between protection from risk and wealth accumulation is paramount. While term insurance provides essential life cover, it does not address long-term savings goals. Shriram Life Insurance recognizes this need for comprehensive coverage coupled with wealth creation and offers the Premier Assured Benefit plan. This innovative savings plan not only provides robust protection but also offers unique features that set it apart from traditional term insurance policies. Let's delve into three compelling reasons why Savings plans such as the \u003Ca href=\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan\" target=\"_blank\">Premier Assured Benefit\u003C/a> offer benefits beyond term insurance for individuals seeking to combine protection with planning.\u003C/p>\u003Ch3>\u003Cstrong>1. Dual Benefits of Protection and Savings\u003C/strong>\u003C/h3>\u003Cp>Unlike conventional term insurance, which solely focuses on providing a death benefit to beneficiaries in the event of the policyholder's demise, Premier Assured Benefit offers a dual benefit of protection and savings. In addition to providing a life cover, this plan allows policyholders to build a corpus over time through regular premium payments. The savings \u003Ca href=\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan-premium-components\" target=\"_blank\">component of the plan\u003C/a> ensures that individuals can work towards achieving their long-term financial goals, such as purchasing a home, funding their child's education, or planning for retirement, while simultaneously securing their family's future.\u003C/p>\u003Cp>By integrating protection with savings, Premier Assured Benefit offers a holistic approach to financial planning, addressing both short-term and long-term financial needs. This unique feature distinguishes it from traditional term insurance policies, which do not provide any savings or investment component, leaving policyholders solely reliant on the death benefit for financial security.\u003C/p>\u003Ch3>\u003Cstrong>2. Guaranteed Returns and Maturity Benefits\u003C/strong>\u003C/h3>\u003Cp>One of the standouts \u003Ca href=\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan-features-and-benefits\" target=\"_blank\">features of Premier Assured Benefit\u003C/a> is its promise of guaranteed returns and maturity benefits. Unlike term insurance, where premiums are typically allocated towards providing a death benefit only, this savings plan ensures that policyholders receive a predetermined sum assured along with accrued bonuses upon maturity of the policy. These guaranteed returns provide individuals with a sense of security and predictability, making it easier to plan for future expenses and financial milestones.\u003C/p>\u003Cp>Moreover, the maturity benefits offered by Premier Assured Benefit can be utilized to fulfil various financial goals, such as purchasing a house, funding a child's wedding, or supplementing retirement income. This flexibility in utilizing maturity benefits adds significant value to the plan, making it an attractive option for individuals looking to combine protection with planning.\u003C/p>\u003Ch3>\u003Cstrong>3. Flexible Payout Options and Additional Riders\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit goes beyond traditional term insurance by offering flexible payout options and additional \u003Ca href=\"https://www.shriramlife.com/blog/premier-assured-benefit/exploring-rider-protection-options-in-life-insurance\" target=\"_blank\">riders to enhance coverage\u003C/a>. Policyholders have the flexibility to choose from various payout options, including lump sum payments, regular income streams, or a combination of both, based on their financial preferences and requirements. This flexibility ensures that individuals can tailor the plan according to their unique circumstances and goals, providing greater control over their financial future.\u003C/p>\u003Cp>Furthermore, Premier Assured Benefit offers a range of optional riders, such as accidental death benefit, critical illness rider, and disability rider, which can be added to the base plan for enhanced coverage. These riders provide additional financial protection against unforeseen events, ensuring comprehensive coverage for policyholders and their families.\u003C/p>\u003Cp>Certainly! Let's explore further into the \u003Ca href=\"https://www.shriramlife.com/blog/premier-assured-benefit/key-features-of-shriram-life-savings-plans\" target=\"_blank\">unique features of Premier Assured Benefit\u003C/a> and delve deeper into why it surpasses traditional term insurance, particularly in terms of savings and wealth accumulation.\u003C/p>\u003Ch3>\u003Cstrong>4. Wealth Accumulation through Bonuses and Compounding Returns\u003C/strong>\u003C/h3>\u003Cp>One of the key advantages of Premier Assured Benefit over term insurance lies in its ability to facilitate wealth accumulation through bonuses and compounding returns. Unlike term insurance, where premiums solely contribute towards providing a death benefit, the premiums paid towards Premier Assured Benefit are invested to generate returns over time. These returns are distributed in the form of bonuses, which are added to the policy's sum assured, thereby enhancing the overall corpus.\u003C/p>\u003Cp>By leveraging the power of compounding returns, Premier Assured Benefit allows policyholders to accumulate substantial wealth over the policy term. This wealth can serve as an asset in achieving long-term financial goals, such as retirement planning, wealth preservation, or legacy building. The ability to harness the potential of compounding returns sets Premier Assured Benefit apart from traditional term insurance, making it a preferred choice for individuals seeking to build wealth while ensuring financial protection.\u003C/p>\u003Ch3>\u003Cstrong>5. Flexibility in Premium Payment Terms and Coverage Period\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit offers greater, \u003Ca href=\"https://www.shriramlife.com/blog/premier-assured-benefit/maximizing-benefits-with-flexible-premium-payment\" target=\"_blank\">flexibility in premium payment terms\u003C/a> and coverage periods compared to traditional term insurance policies. Policyholders have the option to choose from a range of premium payment terms, allowing them to align their premium payments with their financial capabilities and goals. Whether it's opting for a single premium payment, limited premium payment, or regular premium payment, individuals can select the payment schedule that best suits their needs.\u003C/p>\u003Cp>Additionally, Premier Assured Benefit provides flexibility in the coverage period, allowing policyholders to tailor the policy duration according to their specific requirements. This flexibility ensures that individuals can customize the plan to align with their financial goals and life stage, whether it's providing protection during the working years, planning for retirement, or leaving a legacy for future generations.\u003C/p>\u003Ch3>\u003Cstrong>6. Tax Benefits and Estate Planning Opportunities\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit offers attractive tax benefits, further enhancing its appeal as a comprehensive savings and protection solution. Premiums paid towards the policy are eligible for tax deductions under Section 80C of the Income Tax Act, providing individuals with an opportunity to reduce their tax liabilities while building wealth. Moreover, the maturity proceeds, and death benefits received under the policy are generally tax-free under Section 10(10D) of the Income Tax Act, ensuring tax-efficient wealth accumulation and distribution.\u003C/p>\u003Cp>Furthermore, Premier Assured Benefit can be leveraged as a tool for estate planning, allowing individuals to pass on their wealth to their heirs in a tax-efficient manner. By nominating beneficiaries under the policy, individuals can ensure a smooth transfer of assets and provide financial security to their loved ones even after their demise. This estate planning feature adds an additional layer of versatility to Premier Assured Benefit, making it a comprehensive solution for individuals looking to protect and preserve their wealth for future generations.\u003C/p>\u003Ch3>\u003Cstrong>Conclusion: Secure Your Financial Future with Premier Assured Benefit\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit from Shriram Life Insurance stands as a testament to the company's commitment to innovation and customer-centricity. By offering a unique blend of protection, savings, and flexibility, this savings plan surpasses traditional term insurance in providing comprehensive coverage and wealth accumulation opportunities.\u003C/p>\u003Cp>Whether you're a young professional starting your career, a family-oriented individual planning for your loved ones' future, or a seasoned investor seeking to diversify your portfolio, Premier Assured Benefit offers a tailored solution to meet your financial needs and aspirations. So, if you're ready to take control of your financial future and embark on a journey towards prosperity, consider your ability to embark on a savings plan at the earliest. Your financial well-being deserves nothing but the best.\u003C/p>","category":"/blog/premier-assured-benefit"},{"title":"Supercharge your Savings: Decide How you Want to Save with this Plan Using Flexible Payouts","heading":"Supercharge your Savings: Decide How you Want to Save with this Plan Using Flexible Payouts","short_description":"\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\" lang=\"EN-GB\">In today's rapidly changing world, securing one's financial future has become more crucial than ever.\u003C/span>\u003C/p>","tile_image":[{"media_img":{"url":"https://cdn.shriramlife.com/slic-kalam/files/2024-07/1.%20Supercharge%20your%20savings_%20decide%20how%20you%20want%20to%20save%20with%20this%20plan%20using%20flexible%20payouts_0.png?VersionId=hjPGhbMitDUxZ7OxYDng4GEXRXFTyM_.","alt":"Flexible Payout Benefit"},"media_svg":null,"media_svg_alt":"","media_document":null}],"posted_on":"2024-07-03T05:41:11","updated_on":false,"read_more_title":"Know More","slug":"/how-you-want-to-save-with-this-plan-using-flexible-payouts","field_bl_tag":"\u003Ca href=\"/blog/guides/savings\" hreflang=\"en\">Savings\u003C/a>, \u003Ca href=\"/blog/guides/popular\" hreflang=\"en\">Popular\u003C/a>","description":"\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">In today's rapidly changing world, securing one's financial future has become more crucial than ever. With various investment options available, selecting the right plan that aligns with your goals and offers flexibility is paramount. Shriram Life Insurance understands the diverse needs of individuals and families when it comes to savings and offers a range of comprehensive savings plans with flexible payout options.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>Understanding the Importance of Savings\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Savings play a pivotal role in achieving financial stability and meeting long-term financial goals. Whether it's for education, retirement, emergencies, or legacy planning, having a robust savings plan is essential. However, the traditional approach of saving through fixed deposits or regular savings accounts may not always yield the desired results due to inflation and fluctuating market conditions. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>Introducing Shriram Life Insurance's Savings Plans\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Shriram Life Insurance stands out as a trusted partner in financial planning, offering a wide array of savings plans designed to cater to diverse needs and preferences. These plans not only provide financial protection but also offer the opportunity for wealth creation over time.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan>\u003Cstrong>1. \u003C/strong>\u003C/span>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>Comprehensive Coverage\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">One of the key aspects of Shriram Life Insurance's savings plans is the comprehensive coverage they provide. These plans offer life cover along with savings, ensuring that your loved ones are financially secure in case of any unfortunate event. This dual benefit makes these plans a prudent choice for individuals looking to safeguard their family's future while building wealth simultaneously.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>2. Flexible Payout Options\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">What sets Shriram Life Insurance apart is its emphasis on flexibility. The savings plans come with a range of payout options tailored to suit individual requirements. Whether you prefer regular income streams, lump sum payouts, or a combination of both, there's a plan to accommodate your preferences.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>Exploring the Savings Plans\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Let's delve into some of the standout savings plans offered by Shriram Life Insurance:\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>1. Shriram Life Assured Income Plan\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Ca href=\"https://www.shriramlife.com/life-insurance/assured-income-plan\" target=\"_blank\">\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Shriram Life Assured Income Plan\u003C/span>\u003C/a>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\"> provides guaranteed annual payouts along with life cover, ensuring a steady income stream to fulfil your financial obligations and aspirations. With flexible premium payment options and the choice to receive payouts monthly, quarterly, half-yearly, or annually, it offers unparalleled flexibility.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>2. Shriram Life Premier Assured Benefit Plan\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Ca href=\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan\" target=\"_blank\">\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Premier Assured Benefit Plan\u003C/span>\u003C/a>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\"> focuses on secure investments with the potential for significant returns over time. With a choice of premium payment terms and the flexibility to receive maturity benefits as a lump sum or regular income, it caters to varying risk appetites and financial goals.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>3. Shriram Life Wealth Plus Plan\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">For those seeking to maximize wealth accumulation, the Wealth Plus Plan is an ideal choice. It offers market-linked returns along with life cover, providing the dual benefit of protection and wealth creation. The plan allows policyholders to choose between lump sum payouts or systematic withdrawal options based on their preferences and financial goals.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>The Benefits of Flexible Payouts\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">The flexibility offered by \u003C/span>\u003Ca href=\"https://www.shriramlife.com/life-insurance/savings-plan\" target=\"_blank\">\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Shriram Life Insurance's savings plans\u003C/span>\u003C/a>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\"> extends beyond payout options. It empowers policyholders to adapt their financial strategy according to life milestones, changing circumstances, and evolving goals. Whether you're planning for retirement, funding your child's education, or pursuing your entrepreneurial dreams, having the flexibility to adjust payouts ensures that your financial plan remains aligned with your aspirations.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>1. Flexibility for Life's Milestones\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Life is unpredictable, and financial needs evolve over time. With Shriram Life Insurance's savings plans, policyholders have the flexibility to adapt to life's milestones seamlessly. Whether it's purchasing a home, funding higher education, or starting a business venture, having the option to adjust payout preferences ensures that financial resources are available when needed the most. This adaptability empowers individuals to navigate life's changes with confidence, knowing that their savings plan can accommodate their evolving aspirations and obligations.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>2. Mitigating Financial Risks\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">In today's dynamic economic environment, managing financial risks is crucial for long-term prosperity. Shriram Life Insurance's savings plans offer a blend of stability and growth potential, helping individuals mitigate financial risks effectively. By diversifying investment portfolios and providing guaranteed benefits alongside market-linked returns, these plans strike a balance between security and growth. Moreover, the flexibility to choose payout options enables policyholders to mitigate specific risks associated with market volatility, inflation, or unforeseen expenses, thereby \u003C/span>\u003Ca href=\"https://www.shriramlife.com/blog/others/life-insurance-in-comprehensive-financial-planning\">\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">enhancing financial resilience\u003C/span>\u003C/a>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>3. Tax Benefits and Wealth Accumulation\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Tax planning is an integral part of financial management, and Shriram Life Insurance's savings plans offer attractive tax benefits to policyholders. Under Section 80C of the Income Tax Act, premiums paid towards life insurance policies are eligible for tax deductions, providing an opportunity to reduce tax liabilities while building long-term wealth. Additionally, the tax-free nature of maturity benefits and death benefits further enhances the overall tax efficiency of these savings plans. By leveraging tax advantages and compounding returns over time, individuals can accelerate wealth accumulation and achieve their financial goals faster.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>4. Peace of Mind through Financial Protection\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Beyond wealth creation, Shriram Life Insurance's savings plans offer \u003C/span>\u003Ca href=\"https://www.shriramlife.com/blog/early-cash-plan/invest-in-your-peace-of-mind-the-early-cash-plan-explained\">\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">peace of mind through comprehensive financial protection\u003C/span>\u003C/a>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">. In the event of an unfortunate demise, the life cover provided by these plans ensures that loved ones are safeguarded from financial hardships. This financial safety net provides reassurance to policyholders, knowing that their family's future is secure, irrespective of unforeseen circumstances. By combining savings with protection, these plans serve as a holistic solution for financial well-being, offering a sense of security and stability to policyholders and their families.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">\u003Cstrong>5. Empowering Financial Independence\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Ultimately, the overarching goal of Shriram Life Insurance's savings plans is to empower individuals to achieve \u003C/span>\u003Ca href=\"https://www.shriramlife.com/blog/super-income-plan/financial-freedom-starts-with-shriram-life-super-income-plan\">\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">financial independence and realize their dreams\u003C/span>\u003C/a>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">. Whether it's retiring early, traveling the world, or pursuing philanthropic endeavors, having a robust savings plan in place lays the foundation for a fulfilling and prosperous life. The flexibility offered by these plans enables individuals to chart their financial course autonomously, making informed decisions that align with their values, priorities, and aspirations. By providing the tools and resources necessary for financial empowerment, Shriram Life Insurance empowers individuals to take control of their financial destinies and create a legacy of prosperity for generations to come.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">In an era of economic uncertainty and dynamic financial landscapes, having a robust savings plan is essential for achieving financial security and prosperity. Shriram Life Insurance's savings plans with flexible payout options empower individuals to supercharge their savings and tailor their financial journey according to their preferences and goals. By combining comprehensive coverage with flexibility, these plans offer a holistic approach to financial planning, ensuring peace of mind and prosperity for you and your loved ones. So why wait? Explore \u003C/span>\u003Ca href=\"https://www.shriramlife.com/life-insurance/savings-plan-features-and-benefits\" target=\"_blank\">\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\">Shriram Life Insurance's diverse savings plan features\u003C/span>\u003C/a>\u003Cspan lang=\"EN-GB\" lang=\"EN-GB\"> today and embark on a journey towards a secure and prosperous future.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>","category":"/blog/others"},{"title":"6 Things to Think Before Buying any Life Insurance plans","heading":"6 Things to Think Before Buying any Insurance Plans","short_description":"\u003Cp>Insurance savings plans are fundamental to securing a future that provides financial freedom.\u003C/p>","tile_image":[{"media_img":{"url":"https://cdn.shriramlife.com/slic-kalam/files/2024-06/17%20-%206%20Things%20to%20Think%20Before%20Buying%20any%20Life%20Insurance%20plans_0.webp?VersionId=kw57rHg9HPeosY2sLTTOb9.IsAZLmZAh","alt":"Things to note before buying any life insurance"},"media_svg":null,"media_svg_alt":"","media_document":null}],"posted_on":"2024-06-28T10:25:48","updated_on":"2024-06-28T11:21:57","read_more_title":"Know More","slug":"/things-to-think-before-buying-any-life-insurance-plans","field_bl_tag":"\u003Ca href=\"/blog/guides/popular\" hreflang=\"en\">Popular\u003C/a>, \u003Ca href=\"/blog/guides/savings\" hreflang=\"en\">Savings\u003C/a>","description":"\u003Cp>Insurance savings plans are fundamental to securing a future that provides financial freedom. It lends financial help during tough or unforeseen circumstances, thereby taking the stress away from arranging for money. Before availing an insurance savings plan, one must make an informed decision about which plan will provide the benefits aimed toward their financial status.\u003C/p>\u003Cp>This blog provides a comprehensive overview of the six main things that need to be considered before availing yourself of a plan and the advantages of making such an informed decision. It also details the benefits of using the \u003Ca href=\"https://www.shriramlife.com/life-insurance/golden-premier-saver-plan\" target=\"_blank\">Shriram Golden Premier Saver Plan\u003C/a> - an all-in-one insurance that provides long-term financial support.\u003C/p>\u003Ch3>\u003Cstrong>1. Coverage Options:\u003C/strong>\u003C/h3>\u003Cp>Having a precise idea about the coverage is paramount to knowing the plan. Each plan differs from one another. While some cater to life coverage which provides a lump sum to the beneficiaries after the demise of the policyholder, others may be more focused on providing stable income through savings or cash liquidity. Hence it is essential to understand which is a priority for you and then go for a plan that has these coverage options, or even opt for both benefits in one.\u003C/p>\u003Ch3>\u003Cstrong>2. Affordable Premiums:\u003C/strong>\u003C/h3>\u003Cp>Premium is the second important thing that one looks for when choosing an insurance plan. An affordable premium that matches the financial capabilities of the individual is a must. For instance, if someone is worried about losing their job and arranging for their finances, they need to think through the insurance plan before opting for one that has a high premium amount. Failing to evaluate this could even result in the cancellation of the policy.\u003C/p>\u003Cp>Having said that, high premium amounts can also result in better benefits and lower premium charges overall. Therefore, knowing whether to pay a lump sum or monthly installments is essential to making the right decision regarding premium payments.\u003C/p>\u003Ch3>\u003Cstrong>3. Flexible Maturity Payouts:\u003C/strong>\u003C/h3>\u003Cp>Monthly payouts are a given when it comes to \u003Ca href=\"https://www.shriramlife.com/life-insurance\" target=\"_blank\">life insurance savings plans\u003C/a>. It is therefore possible to choose how we want to receive those monthly payments. Some plans provide maturity benefits in a lump sum, as regular income, or as both. Do a thorough check on the various features relating to flexible premium payment and then opt for a plan.\u003C/p>\u003Cp>A flexible plan allows for fulfilling financial goals for education, retirement, and other expenses.\u003C/p>\u003Ch3>\u003Cstrong>4. Rider Benefits:\u003C/strong>\u003C/h3>\u003Cp>In addition to flexibility in premium payment frequencies, it is also possible to enhance one’s coverage. There are many rider benefits associated with different plans that facilitate financial ease and provide peace of mind.\u003C/p>\u003Cp>The \u003Ca href=\"https://www.shriramlife.com/life-insurance/golden-premier-saver-plan-premium-components\" target=\"_blank\">various riders\u003C/a> are critical illness riders, disability income riders, accidental death benefit riders, etc. These are aimed at providing benefits to both the life insured and his/her family.\u003C/p>\u003Ch3>\u003Cstrong>5. Policy Term and Renewability:\u003C/strong>\u003C/h3>\u003Cp>Having the flexibility to adjust the policy term and renew the plan ensures that your insurance coverage continues to meet your evolving needs as you progress through different life stages.\u003C/p>\u003Cp>Policy terms and renewability options are crucial aspects that need to be considered alongside the points listed above. Look for the maturity age and other flexibility in policy terms that allow one to choose the tenure of the policy. Some rider options give the flexibility to even extend the policy term. This way, you can be sure of what you want and how the plan is trying to meet those goals, rather than functioning as a policy that is set in stone.\u003C/p>\u003Ch3>\u003Cstrong>6. Reputation of the Insurance Provider:\u003C/strong>\u003C/h3>\u003Cp>The reputation of the insurance provider decides the credibility of the policy. While doing research, look for points that talk about aspects such as financial security, claim settlement track record, and the quality of service. These factors decide how the policy is going to turn out, the openness with which flexibility is provided, and the return on investment.\u003C/p>\u003Ch2>\u003Cstrong>Key Features of Shriram Life Golden Premier Plan\u003C/strong>\u003C/h2>\u003Cp>The Shriram Life Golden Premier Saver Plan is an Insurance Savings Plan that allows coverage up to 25 years, for which the premium to pay is for five years less than the policy term. If the life insured passes away during the policy term, the death benefit is given to the family members. Whereas, if the insured is alive at the time of the maturation of the policy, either a lump sum or a mix of lump sum and installments are given to the insured. It is also possible to add multiple rider options that provide the necessary coverage.\u003C/p>\u003Ch3>\u003Cstrong>Low Premium\u003C/strong>\u003C/h3>\u003Cp>There is a huge amount of scope when it comes to paying the premium. You can get your hands on affordable premiums that start from ₹10,296 and can then stay insured throughout your chosen policy term.\u003C/p>\u003Ch3>\u003Cstrong>Limited Premium Paying Term\u003C/strong>\u003C/h3>\u003Cp>Flexibility in premium payment frequencies allow for paying premium for a limited period and then enjoying the benefits of long-term coverage.\u003C/p>\u003Ch3>\u003Cstrong>Premium Installments\u003C/strong>\u003C/h3>\u003Cp>Choose to pay the premium annually, semi-annually, quarterly or monthly, according to your needs, and suitability.\u003C/p>\u003Ch3>\u003Cstrong>Coverage Options\u003C/strong>\u003C/h3>\u003Cp>You can choose to increase the coverage for up to 80 years of age for longer protection.\u003C/p>\u003Cp>This way, you can get protection for a longer period and simultaneously get increased benefits.\u003C/p>\u003Ch3>\u003Cstrong>Bonus\u003C/strong>\u003C/h3>\u003Cp>Bonus additions give extra benefits, and thereby enhance your corpus. You can get a bonus of 4 percent in the first five policy years, along with the monthly payouts.\u003C/p>\u003Ch3>\u003Cstrong>Flexible Maturity Benefit Payout\u003C/strong>\u003C/h3>\u003Cp>You can choose to get the maturity benefit either as a lump sum or as installments based on whichever works best for you.\u003C/p>\u003Cp>Explore the online, live \u003Ca href=\"https://www.shriramlife.com/life-insurance/golden-premier-saver-plan-calculator\" target=\"_blank\">Golden Premier Saver calculators\u003C/a> to understand how the plan would work for you with your personalized information such as age, policy term choice and opted riders.\u003C/p>\u003Cp>To conclude, purchasing an insurance savings plan is a significant financial decision that requires thought and consideration. By looking at various factors such as payment flexibility, rider options and other such benefits, it is possible to make an effective and long-lasting decision that will be beneficial in the long run. If one is not able to narrow down on an insurance savings plan, they can consult financial advisors whose job it is to provide the right direction. With a Shriram savings plan, you can secure your present and the future without much of a hassle.\u003C/p>\u003Cp>You can visit \u003Ca href=\"https://www.shriramlife.com/\" target=\"_blank\">Shriram Life Insurance\u003C/a> to \u003Ca href=\"https://www.shriramlife.com/life-insurance/golden-premier-saver-plan-features-and-benefits\" target=\"_blank\">learn more about our Saver plan\u003C/a> and the customizable options.\u003C/p>","category":"/blog/golden-premier-saver-plan"},{"title":"Main Features to Look for While Choosing a Life Insurance Savings Plans","heading":"Main Features to Look for While Choosing a Life Insurance Savings Plans","short_description":"\u003Cp>\u003Cspan lang=\"EN-US\" lang=\"EN-US\" lang=\"EN-US\">When it comes to financial planning, life insurance plays a pivotal role in securing one’s future and providing\u003C/span>\u003C/p>","tile_image":[{"media_img":{"url":"https://cdn.shriramlife.com/slic-kalam/files/2024-06/Main%20features%20to%20look%20for%20while%20choosing%20a%20life%20insurance%20savings%20plans_0.png?VersionId=_sdVXkAg4XeoxNYcPnquB51YWc8XKyQj","alt":"features to look for while choosing a life insurance"},"media_svg":null,"media_svg_alt":"","media_document":null}],"posted_on":"2024-06-28T06:58:24","updated_on":"2024-06-28T11:57:32","read_more_title":"Know More","slug":"/features-to-look-for-while-choosing-a-life-insurance-savings-plans","field_bl_tag":"\u003Ca href=\"/blog/guides/savings\" hreflang=\"en\">Savings\u003C/a>, \u003Ca href=\"/blog/guides/popular\" hreflang=\"en\">Popular\u003C/a>","description":"\u003Cp>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">When it comes to financial planning, life insurance plays a pivotal role in securing one’s future and providing for their loved ones. People opt for insurance for many purposes such as for car, home, health, etc. In that, a life insurance savings plan is a versatile and sophisticated insurance policy that provides long-term financial coverage while also giving income in the form of savings that satisfy short term financial goals.\u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">If you are someone who is looking to opt for one such policy and want to know the \u003C/span>\u003Ca href=\"https://www.shriramlife.com/life-insurance/savings-plan-features-and-benefits\" target=\"_blank\">\u003Cspan lang=\"EN-US\" lang=\"EN-US\">life insurance savings plan features\u003C/span>\u003C/a>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">, then you need to do research to compare various plans and how they provide financial benefits, and then decide a plan based on the information you have. Read this blog further to understand the features of life insurance savings plans and how they provide you financial coverage for the most part of your life.\u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>Features\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> of \u003C/strong>\u003C/span>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>Life Insurance Savings Plan\u003C/strong>\u003C/span>\u003C/h2>\u003Ch3>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>1. Flexibility in Premium Payments\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN\" lang=\"EN\">Many times, we are confronted with unforeseen circumstances in our lives, one such example being the recent Pandemic. Such events sometimes take a toll on our physical property, money being one of them. Having the \u003C/span>\u003Ca href=\"https://www.shriramlife.com/blog/premier-assured-benefit/maximizing-benefits-with-flexible-premium-payment\">\u003Cspan lang=\"EN\" lang=\"EN\">flexibility in choosing the premium amount\u003C/span>\u003C/a>\u003Cspan lang=\"EN\" lang=\"EN\"> to be paid in the life insurance policy that one chooses, will provide a cushion during such times.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>2. Investment Options\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">A crucial component of a \u003C/span>\u003Ca href=\"https://www.shriramlife.com/life-insurance/savings-plan\" target=\"_blank\">\u003Cspan lang=\"EN-US\" lang=\"EN-US\">life insurance savings plan\u003C/span>\u003C/a>\u003Cspan lang=\"EN-US\" lang=\"EN-US\"> is the investment option. It falls on us to analyze the various investment options available and then choose a plan based on the options that are suitable to us. The various investment options could be stocks, bonds, mutual funds, etc. to have various options, and then choose the one that gives the best returns.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>3. Guaranteed Returns or Bonuses\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN\" lang=\"EN\">Guaranteed returns and bonuses are interesting features that pave the way for some amount of certainty in a market that is fluctuating. Look out for plans that provide these features, and then enhance the policy to provide a safe net for your loved ones.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>4. Tax Benefits\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Ca href=\"https://www.shriramlife.com/blog/premier-assured-benefit/key-features-of-shriram-life-savings-plans\">\u003Cspan lang=\"EN\" lang=\"EN\">Life insurance savings plans features are many\u003C/span>\u003C/a>\u003Cspan lang=\"EN\" lang=\"EN\">, and the one that provides the most advantage is tax. One should thoroughly learn about the tax benefits that the plan gives. These could be tax-free withdrawals or even tax exemptions once the tax matures. This can positively affect the way we manage our finances and ensure that we spend our money only on aspects that are of top priority.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>5. Coverage and Riders\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">While getting life insurance coverage, do a thorough study on the policy and its offers. These are called the rider benefits that enable one to alter the plan if required, based on their needs and goals. \u003C/span>\u003Ca href=\"https://www.shriramlife.com/blog/premier-assured-benefit/exploring-rider-protection-options-in-life-insurance\">\u003Cspan lang=\"EN-US\" lang=\"EN-US\">Rider benefits vary from one policy to another\u003C/span>\u003C/a>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">, therefore compare and analyze how the points presented in the policy can actually help you achieve your financial goals. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>6. Policy Term and Maturity Benefits\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Ca href=\"https://www.shriramlife.com/blog/others/comprehensive-guide-to-choose-the-right-life-insurance\">\u003Cspan lang=\"EN-US\" lang=\"EN-US\">Choosing the right features in life insurance\u003C/span>\u003C/a>\u003Cspan lang=\"EN-US\" lang=\"EN-US\"> requires that one examine the policy term and maturity benefits thoroughly. Some plans provide the flexibility to choose the duration for the policy the way we want, and others may not necessarily provide that benefit. Therefore, it is essential to see whether the plan you opt for has that flexibility that you seek.\u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>Features of Insurance Savings Plan: A Detailed Breakdown\u003C/strong>\u003C/span>\u003C/h2>\u003Ch3>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>1. Cash Value Accumulation\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">Savings plans generally provide a lot of cash over a period of time. This value is nothing but the savings component that is provided in the policy. It can be accessed through withdrawals and loans, and thereby serves as a financial net during times of emergencies.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>2. Death Benefits\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN\" lang=\"EN\">Death benefits are offered in the savings plan. If the policyholder dies during the policy tenure, then their beneficiaries are suitable for receiving financial benefits. This benefit is a predetermined sum that helps the family financially. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>3. Bonus Declarations\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN\" lang=\"EN\">While not all plans have this feature, some plans come with a bonus. Based on the performance of the company, the insurer gives money to the policyholder. This enhances the sum assured that is to be given to the policyholder. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>4. Surrender Value\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN\" lang=\"EN\">Surrender value is the money available to the policyholder when they surrender the policy before its time of maturity. Those plans which have a high surrender value will result in high benefits. It also offers more flexibility and cash liquidity. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>5. Free-look period\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN\" lang=\"EN\">A free-look period is a time duration of 15 days during which if the policyholder is not happy with the policy and is looking to change it, they can do so after issuance.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>6. Grace Period\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">If the insurer is unable to pay the premium within the prescribed date, then they can do so within the grace period which is for 30 days. For monthly payouts, they can make use of the same within 15 days during which the policy does not get lapsed.\u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>Conclusion\u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">Choosing the right life insurance savings plan features require proper research, \u003C/span>\u003Ca href=\"https://www.shriramlife.com/blog/others/life-insurance-in-comprehensive-financial-planning\">\u003Cspan lang=\"EN-US\" lang=\"EN-US\">planning and consideration of the financial goals\u003C/span>\u003C/a>\u003Cspan lang=\"EN-US\" lang=\"EN-US\"> that an individual has. Some of the important points to consider here are risk tolerance, and future needs. It's essential that one thoroughly evaluates and compares different plans, and then focus on those features that align with the objectives of the individual. A well-structured life insurance savings plan not only provides financial security but also serves as a tool for savings and wealth accumulation.\u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\"EN\" lang=\"EN\">Investing time in understanding the nuances of these features ensures that you make an informed decision, setting a solid foundation for a secure financial future. Among all the key considerations for selecting a savings plan it is important to remember that the plan is meant not only to safeguard but also empower you to achieve your financial aspirations.\u003C/span>\u003C/p>","category":"/blog/others"},{"title":"Securing Your Future: The Crucial Role of Life Insurance in Comprehensive Financial Planning","heading":"Securing Your Future: The Crucial Role of Life Insurance in Comprehensive Financial Planning","short_description":"\u003Cp>In the intricate tapestry of financial planning, individuals strive to weave a future that is both secure and prosperous.\u003C/p>","tile_image":[{"media_img":{"url":"https://cdn.shriramlife.com/slic-kalam/files/2024-06/14%20-%20Securing%20Your%20Future_%20The%20Importance%20of%20Life%20Insurance%20in%20Financial%20Planning_0.webp?VersionId=.Mee3BUdkJvQphlMj59rvXjV9Abv4INe","alt":"Securing future with Life insurance"},"media_svg":null,"media_svg_alt":"","media_document":null}],"posted_on":"2024-06-27T10:06:16","updated_on":"2024-06-27T10:57:30","read_more_title":"Know More","slug":"/life-insurance-in-comprehensive-financial-planning","field_bl_tag":"\u003Ca href=\"/blog/guides/popular\" hreflang=\"en\">Popular\u003C/a>, \u003Ca href=\"/blog/guides/savings\" hreflang=\"en\">Savings\u003C/a>, \u003Ca href=\"/blog/guides/retirement\" hreflang=\"en\">Retirement\u003C/a>, \u003Ca href=\"/blog/guides/child\" hreflang=\"en\">Child\u003C/a>","description":"\u003Cp>In the intricate tapestry of financial planning, individuals strive to weave a future that is both secure and prosperous. At the core of this endeavor lies a powerful and versatile tool: life insurance. This blog delves into the importance of life insurance in the realm of financial planning, emphasizing its pivotal role in ensuring \u003Ca href=\"https://www.shriramlife.com/blog/early-cash-plan/securing-your-future-the-benefits-of-the-early-cash-plan\" target=\"_blank\">future financial security\u003C/a>, particularly for families.\u003C/p>\u003Cp>From addressing immediate protection needs to contributing to long-term financial stability and retirement planning, life insurance proves to be an indispensable component of a well-rounded financial strategy.\u003C/p>\u003Ch2>\u003Cstrong>Financial Planning: A Strategic Journey\u003C/strong>\u003C/h2>\u003Cp>Financial planning is a strategic journey that individuals undertake to achieve specific life goals and secure their financial future. It involves a meticulous assessment of current financial status, the setting of realistic objectives, and the implementation of a well-thought-out strategy.\u003C/p>\u003Cp>At the heart of this strategy lies the importance of life insurance, a financial instrument that transcends its traditional role as a protective measure.\u003C/p>\u003Cp>Life insurance is not merely a policy; it is a dynamic element that adapts to the changing needs and goals of individuals and families. Understanding its multifaceted benefits is key to crafting a resilient and adaptable financial plan.\u003C/p>\u003Ch2>\u003Cstrong>Importance of Life Insurance: A Shield for Future Financial Security\u003C/strong>\u003C/h2>\u003Cp>The primary role of life insurance is to act as a shield, providing a safety net for loved ones in the face of life's uncertainties. The importance of life insurance becomes particularly evident when considering future financial security. In the event of the policyholder's demise, life insurance ensures that dependents are not only emotionally supported but also financially secure.\u003C/p>\u003Cp>\u003Ca href=\"https://www.shriramlife.com/blog/early-cash-plan/why-does-every-family-need-a-life-insurance-savings-plan\" target=\"_blank\">Life insurance for families\u003C/a> goes beyond the emotional reassurance it provides. It becomes a tailored solution that covers specific needs, from educational expenses to outstanding debts and mortgage payments. This aspect of life insurance is instrumental in maintaining a family's lifestyle and ensuring that they can navigate the financial challenges that accompany loss.\u003C/p>\u003Ch2>\u003Cstrong>Retirement Planning with Insurance: A Crucial Component\u003C/strong>\u003C/h2>\u003Cp>As individuals plan for their future, retirement often takes center stage. \u003Ca href=\"https://www.shriramlife.com/life-insurance/retirement-plan\" target=\"_blank\">Retirement planning with insurance\u003C/a> introduces a crucial component that enhances financial independence during the post-working years. Annuities, a form of life insurance, offer a guaranteed income stream, providing a reliable source of funds that complements other retirement savings.\u003C/p>\u003Cp>The cash value component of permanent life insurance further contributes to retirement planning. It can be strategically leveraged to supplement retirement income or serve as an emergency fund. The adaptability of life insurance products ensures a diversified retirement portfolio, reinforcing the long-term financial stability individuals seek during their golden years.\u003C/p>\u003Ch3>\u003Cstrong>Life Insurance for Families: Tailoring Protection to Specific Needs\u003C/strong>\u003C/h3>\u003Cp>Families are the bedrock of our lives and securing their well-being is a top priority. Life insurance for families is not a one-size-fits-all solution; it is a customizable tool that addresses specific needs.\u003C/p>\u003Cp>From \u003Ca href=\"https://www.shriramlife.com/blog/others/term-life-insurance\" target=\"_blank\">term life insurance\u003C/a> providing cost-effective coverage during critical years to whole life or permanent life insurance offering protection and wealth-building components, families can tailor their life insurance to suit their unique circumstances.\u003C/p>\u003Cp>Beyond immediate needs, life insurance facilitates legacy planning, allowing individuals to pass down their wealth to future generations in a tax-efficient manner. By structuring beneficiaries and distribution plans, policyholders can create a lasting financial legacy that extends beyond their lifetime.\u003C/p>\u003Ch3>\u003Cstrong>Long-Term Financial Stability: Building Wealth and Leaving a Legacy\u003C/strong>\u003C/h3>\u003Cp>Life insurance plays a pivotal role in contributing to long-term financial stability. Whole life and permanent life insurance policies accumulate a cash value over time, creating a financial asset that policyholders can access or borrow against. This \u003Ca href=\"https://www.shriramlife.com/blog/golden-premier-saver-plan/best-insurance-plans-with-increased-liquidity-over-lifetime\" target=\"_blank\">cash value component offers liquidity\u003C/a> and flexibility, contributing to a more robust and diversified financial portfolio.\u003C/p>\u003Cp>The importance of life insurance in legacy planning cannot be overstated. By strategically designating beneficiaries and outlining how the death benefit is distributed, individuals can ensure that their wealth is passed down efficiently. This approach aligns with the broader goals of long-term financial planning and wealth preservation.\u003C/p>\u003Ch3>\u003Cstrong>Adaptability for Changing Needs\u003C/strong>\u003C/h3>\u003Cp>One of the key strengths of \u003Ca href=\"https://www.shriramlife.com/blog/super-income-plan/financial-freedom-starts-with-shriram-life-super-income-plan\" target=\"_blank\">life insurance in financial planning\u003C/a> is its adaptability. As life circumstances change, insurance policies can be adjusted to meet evolving needs. For instance, a young professional may opt for term life insurance for cost-effective coverage, while someone shifting focus towards building wealth and leaving a legacy may transition to permanent life insurance products.\u003C/p>\u003Cp>This adaptability ensures that life insurance remains a dynamic and relevant tool throughout different life stages, aligning with the evolving priorities and goals of individuals and families.\u003C/p>\u003Ch3>\u003Cstrong>Life Insurance for Everybody\u003C/strong>\u003C/h3>\u003Cp>In conclusion, life insurance emerges as a linchpin in the landscape of comprehensive financial planning, offering a dynamic and multifaceted solution. Its importance extends beyond immediate protection needs, encompassing retirement planning, long-term financial stability, and legacy building. Life insurance isn't a mere policy; it is a commitment to securing a future that is both stable and prosperous.\u003C/p>\u003Cp>As individuals embark on their financial journey, recognizing the importance of life insurance becomes paramount. It plays a strategic role in not only safeguarding the financial well-being of loved ones but also in building a legacy that transcends generations. Life insurance is the thread that weaves together the fabric of financial security, ensuring that the tapestry of our future is resilient, adaptable, and prosperous.\u003C/p>\u003Cp>At Shriram Life Insurance, our unwavering commitment revolves around crafting \u003Ca href=\"https://www.shriramlife.com/life-insurance\" target=\"_blank\">life insurance products\u003C/a> that go beyond mere financial protection – we aim to create comprehensive solutions that truly enhance the lives of our policyholders. It is these powerful life insurance products that enable families to continue having total financial protection in the wake of an unfortunate event while allowing wealth to build up over time.\u003C/p>\u003Cp>Shriram Life Insurance priorities clear communication and transparency ensuring that policyholders can grasp policy terms and tailor a policy that best fits their financial needs and their financial goals for the future.\u003C/p>\u003Cp>Shriram Life Insurance remains dedicated to empowering individuals and families with \u003Ca href=\"https://www.shriramlife.com/calculators\" target=\"_blank\">financial planning tools\u003C/a> that not only protect but also propel them towards their aspirations, ensuring peace of mind and a resilient financial foundation for generations to come.\u003C/p>\u003Cp>Get in touch with us and explore the various financial planning instruments that we have on offer!\u003C/p>\u003Cp> \u003C/p>\u003Cp>\u003Cstrong>For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale.\u003C/strong>\u003C/p>\u003Cp>IRDAI Regn No: 128\u003C/p>\u003Cp>CIN No.. of the Company\u003C/p>\u003Cp>The Trade Logo displayed above belongs to Shriram Value Services Limited (“SVS”) and used by Shriram Life Insurance Company Limited under a License agreement.”\u003C/p>\u003Cp>\u003Cstrong>BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS/FRADULENT OFFERS\u003C/strong>\u003C/p>\u003Cp>IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.\u003C/p>","category":"/blog/others"},{"title":"Choosing the Right Life Insurance: A Comprehensive Guide","heading":"Choosing the Right Life Insurance: A Comprehensive Guide","short_description":"\u003Cp>\u003Cspan lang=\"EN-US\" lang=\"EN-US\" lang=\"EN-US\">Selecting the right life insurance that is custom made for you and your family is no easy matter.\u003C/span>\u003C/p>","tile_image":[{"media_img":{"url":"https://cdn.shriramlife.com/slic-kalam/files/2024-06/Choosing%20the%20Right%20Life%20Insurance%20A%20Comprehensive%20Guide_0.png?VersionId=HReDUs_O5CzsJBhb1PDJTzAydQEHpQ6C","alt":"Guide to Choose the Right Life Insurance"},"media_svg":null,"media_svg_alt":"","media_document":null}],"posted_on":"2024-06-27T05:40:07","updated_on":"2024-06-27T12:02:22","read_more_title":"Know More","slug":"/comprehensive-guide-to-choose-the-right-life-insurance","field_bl_tag":"\u003Ca href=\"/blog/guides/savings\" hreflang=\"en\">Savings\u003C/a>, \u003Ca href=\"/blog/guides/popular\" hreflang=\"en\">Popular\u003C/a>","description":"\u003Cp>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">Selecting the right life insurance that is custom made for you and your family is no easy matter. It is an important decision that requires careful consideration and a thorough understanding of your current financial goals and needs. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">With this comprehensive insurance guide, you will be able to understand the intricacies of life insurance selection easily. We aim to provide you with insurance comparison tips, valuable insider insights and give you well-thought out policy selection criteria that will help you make informed policy choices. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">Perhaps this is your very first experience of life insurance selection. Or perhaps, you have purchased life insurance policies before and are looking to reassess your existing life insurance plans. Either way, this comprehensive insurance guide from Shriram Life Insurance will give you everything that you need to make the process of life insurance selection an easier process. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>Simplifying the Insurance Market \u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">Before deep diving into the nitty-gritty of life insurance selection, it is a good idea to get a quick overview of the current life insurance market. This will help you make a smart and informed decision regarding various \u003C/span>\u003Ca href=\"https://www.shriramlife.com/life-insurance\">\u003Cspan lang=\"EN-US\" lang=\"EN-US\">life insurance plans\u003C/span>\u003C/a>\u003Cspan lang=\"EN-US\" lang=\"EN-US\"> based on your own unique requirements. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">Life insurance plans come in various forms, each catering to a segment of people with specific goals and needs. Here’s a quick overview of the various types of life insurance plans.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>Term Life Insurance\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Ca href=\"https://www.shriramlife.com/blog/others/everything-you-must-know-about-term-insurance-plan\">\u003Cspan lang=\"EN-US\" lang=\"EN-US\">Term Life Insurance plan\u003C/span>\u003C/a>\u003Cspan lang=\"EN-US\" lang=\"EN-US\"> is perhaps the simplest and straightforward life insurance plan to exist in the market. It is made for policyholders who are seeking affordable coverage for a specific period. This type of life insurance plans provides death benefits alone without any accumulation of wealth.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>Whole Life Insurance \u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">This type of life insurance plan provides the policyholder with lifelong coverage. It also has a cash value component that grows over time providing the policyholder with a wealth creation opportunity. So one of our insurance comparison tips is to understand your final goal. Are you looking for coverage alone or coverage with wealth creation? \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>Universal Life Insurance \u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">When you are in the process of life insurance selection, you will come across Universal Life Insurance policies. These life insurance policies combine flexibility with lifelong coverage. They allow policyholders to adjust premium payments and death benefits according to their changing needs and requirements. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\"EN\" lang=\"EN\">Now that you have understood the major types of life insurance policies, it is important to factor these when it comes to your policy selection criteria. \u003C/span>\u003C/p>\u003Ch2>\u003Cspan>\u003Cstrong>Essential Factors for Insurance Selection:\u003C/strong>\u003C/span>\u003C/h2>\u003Ch3>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>Insurance Comparison Tips\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">When navigating the insurance market and when faced with plenty of options, it is important to make effective comparisons that will help you decide on the policy that’s most suitable for your goals. With this comprehensive insurance guide, you can now learn insider insurance comparison tips and make your process of finding a life insurance policy for yourself an easy task.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>Evaluate your requirements \u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">Before venturing into the insurance market to a buy a policy, conduct a thorough \u003C/span>\u003Ca href=\"https://www.shriramlife.com/blog/others/tips-buying-life-insurance-plan\">\u003Cspan lang=\"EN-US\" lang=\"EN-US\">assessment of your specific needs and financial goals\u003C/span>\u003C/a>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">. Factor in your current debts, future expenses and the financial well-being of your family. Remember, the best insurance policy is the policy that suits your unique goals. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>Compare Premiums and Coverage\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">While most people looking to finalize a life insurance policy look at affordable premiums, it is important to remember to take into account the actual coverage offered. Cost is a critical factor no doubt, but do not make it the sole factor in your policy selection criteria. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>Know Policy Terms \u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">While it might be a tad bit difficult to go through the policy terms and conditions in detail, do remember that this comprehensive insurance guide urges you to scrutinize the terms of every policy that you are considering in detail. Pay extra attention to exclusions, limitations and factor in additional features that may be provided. When you focus on the details, the process of life insurance selection will be easier for you. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>Understand Cash Value Components\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">For those life insurance plans that offer a cash value component, it is imperative that you understand fully well how the cash component works. You must also evaluate the growth potential of this feature and understand how it will help you grow your wealth. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>Focus on Company Credibility\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">Give company reputation a top spot in your policy selection criteria. Spend time researching and assessing the companies in your shortlist. Pick a company with a strong financial standing and positive reviews. Consider going through testimonials from existing policyholders.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\"EN\" lang=\"EN\">Now, it is time to understand how to make an informed choice based on the information provided.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>Policy Selection Criteria:\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">In order to make a complete assessment of the life insurance plan of your choice and your own financial needs and goals, it is important to draft your policy selection criteria. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">\u003Cstrong>Coverage Amount \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">Ascertain the coverage amount that will work for you based on your financial goals and future needs. Take into consideration loans, future expenses, education costs and more. Choose a coverage amount that provides a sage financial net for your loved ones.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>Duration of Policy \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN\" lang=\"EN\">While analyzing life insurance plans, keep in mind to select a policy that aligns with your specific needs. \u003C/span>\u003Ca href=\"https://www.shriramlife.com/blog/others/term-insurance-plan-and-how-choose-the-best-one\">\u003Cspan lang=\"EN\" lang=\"EN\">Pick term life insurance\u003C/span>\u003C/a>\u003Cspan lang=\"EN\" lang=\"EN\"> if you are looking at a shorter duration. If you seek lifelong coverage opt for whole life insurance. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">\u003Cstrong>Premium Affordability \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Ca href=\"https://www.shriramlife.com/blog/others/choose-suitable-life-insurance-plan-not-cheapest\">\u003Cspan lang=\"EN-US\" lang=\"EN-US\">Evaluate your budget and choose a premium\u003C/span>\u003C/a>\u003Cspan lang=\"EN-US\" lang=\"EN-US\"> that suits your financial situation over the long term. Be mindful of potential premium increases for adjustable policies. The affordability of premiums is important to maintaining the life insurance policy over time. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>Additional Riders \u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">Riders provide extra coverage or additional benefits that will enhance your financial protection. If you are looking for specific riders make sure that the life insurance policy you choose offers you the choice of opting for that specific rider. Common riders include critical illness rider, disability rider and accidental death rider. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>Conversion Options\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">In case you are opting for a term insurance for the time being and are open to a permanent policy later on, ensure that your policy has the option to convert to a whole life policy at any stage. This can be very useful as you can base your financial decisions on your evolving needs.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\"EN\" lang=\"EN\">\u003Cstrong>Are you ready to buy your policy?\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">With our comprehensive insurance guide, you are now at a great place to start exploring various life insurance plans. Keep in mind that \u003C/span>\u003Ca href=\"https://www.shriramlife.com/blog/others/mistakes-to-avoid-when-buying-online-life-insurance-policy\">\u003Cspan lang=\"EN-US\" lang=\"EN-US\">choosing the right insurance plan\u003C/span>\u003C/a>\u003Cspan lang=\"EN-US\" lang=\"EN-US\"> is a nuanced and multi-layered process that requires your time and effort. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\"EN\" lang=\"EN\">This comprehensive insurance guide has provided you with valuable insights into the landscape of life insurance, insurance comparison tips and policy selection criteria. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\"EN-US\" lang=\"EN-US\">Life insurance is not a one-size-fits-all solution but with proper information you can pick a policy that ensures a secure and financially sound future. To know more about Shriram Life Insurance Policies, do connect with us. We will be happy to guide you better on choosing the plan that works for you.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cstrong>For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale.\u003C/strong>\u003C/p>\u003Cp>IRDAI Regn No: 128\u003C/p>\u003Cp>CIN No.. of the Company\u003C/p>\u003Cp>The Trade Logo displayed above belongs to Shriram Value Services Limited (“SVS”) and used by Shriram Life Insurance Company Limited under a License agreement.”\u003C/p>\u003Cp>\u003Cstrong>BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS/FRADULENT OFFERS\u003C/strong>\u003C/p>\u003Cp>IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.\u003C/p>","category":"/blog/others"}],"blog_count":[{"count":66,"counts":66}],"nothing":"all","nothing_1":317}],"headers":{"x-powered-by":["Express"],"access-control-allow-origin":["*"],"x-frame-options":["SAMEORIGIN"],"content-type":["text/html; charset=utf-8"],"content-length":["117789"],"etag":["W/\"1cc1d-ndEERk0bDeRCsiQiwQdYEZWgRSI\""],"vary":["Accept-Encoding"],"date":["Mon, 15 Jul 2024 14:43:18 GMT"],"connection":["keep-alive"],"keep-alive":["timeout=5"]},"status":200,"statusText":"OK","url":"http://127.0.0.1:4000/api/v1/tagged-blogs/317/all","responseType":"json"},"2489646597":{"body":[{"title":"Api - Header","top_nav":[{"title":"Header - Top nav Test","menu_group":[{"title":"Initiate Claim","heading":"Initiate Claim","menu_link":{"url":"https://myaccount.shriramlife.com/CustomerPortal/ClaimIntimation","text":"Initiate Claim"},"sub_menu":[],"classes":"link","menu_style":"Normal"},{"title":"New Policy Payment","heading":"New Policy Payment","menu_link":{"url":"https://shriramlife.in/SLP/PaymentProcess","text":"https://shriramlife.in/SLP/PaymentProcess"},"sub_menu":[],"classes":"link","menu_style":"Normal"},{"title":"Top Nav - Become an agent","heading":"Become an agent","menu_link":{"url":"/legal/become-an-advisor","text":"Became an Agent"},"sub_menu":[],"classes":"link","menu_style":"Normal"},{"title":"Top Nav - Quick Pay","heading":"Quick Pay","menu_link":{"url":"https://shriramlife.in/SLP/Digital/SLICInstaRenew.aspx","text":"Quick Pay"},"sub_menu":[],"classes":"btn","menu_style":"Normal"},{"title":"Resume Journey","heading":"Resume Journey","menu_link":{"url":"https://buy.shriramlife.com/OnlineInsurance/Resume-Application","text":"Resume Application"},"sub_menu":[],"classes":"outline-btn","menu_style":"Normal"},{"title":"Top Nav - Login","heading":"Login","menu_link":{"url":"https://myaccount.shriramlife.com/CustomerPortal/login","text":"Login"},"sub_menu":[],"classes":"Login","menu_style":0}],"classes":0,"menu_style":0}],"menu":[{"title":"Header Menu","menu_group":[{"title":"Header Menu - Life Insurance Plans","heading":"Life Insurance Plans","menu_link":{"url":"","text":""},"sub_menu":[{"title":"Savings Plans ","heading":"Savings Plans","menu_link":{"url":"/life-insurance/savings-plan","text":"/life-insurance/savings-plan"},"sub_menu":[{"title":"Shriram Life Assured Income Plan Test","heading":"Shriram Life Assured Income Plan","menu_link":{"url":"/life-insurance/assured-income-plan","text":"/life-insurance/assured-income-plan"},"sub_menu":[],"classes":0,"menu_style":0,"cta":null},{"title":"Shriram Life Golden Premier Saver Plan","heading":"Shriram Life Golden Premier Saver 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Dive into articles covering insurance tips, financial advice, industry trends, and updates for informed decisions.\",\"twitter_image\":[],\"twitter_title\":\"Blogs on Savings, Investment & Life Insurance - Shriram Life\",\"twitter_url\":\"\"}]","api/v1/disclaimer/blog":"[]","http://127.0.0.1:4000/api/v1/disclaimer/blog":"[]","api/v1/tagged-blogs/317/all":"[{\"category\":[{\"id\":1781,\"name\":\"Super Income Plan\"},{\"id\":1782,\"name\":\"Others\"},{\"id\":1930,\"name\":\"Child Plan\"},{\"id\":1979,\"name\":\"Early Cash Plan\"},{\"id\":1982,\"name\":\"Assured Income Plan\"},{\"id\":1984,\"name\":\"Golden Premier Saver Plan\"},{\"id\":1985,\"name\":\"Premier Assured Benefit\"}],\"blogs\":[{\"title\":\"3 Scenarios where Premier Assured Benefit can support your family\",\"heading\":\"3 Scenarios where Premier Assured Benefit can support your family\",\"short_description\":\"\u003Cp>In the realm of financial planning, ensuring the well-being and security of one's family stands as a paramount objective.\u003C/p>\",\"tile_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-07/5.%203%20Scenarios%20where%20Premier%20Assured%20Benefit%20can%20support%20your%20family_0.png?VersionId=Rv8gvA2RvblXiXlDJ46dgx1rfO7zXeRE\",\"alt\":\"Instances PAB supports your family\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"posted_on\":\"2024-07-05T16:55:44\",\"updated_on\":false,\"read_more_title\":\"Know More\",\"slug\":\"/scenarios-where-premier-assured-benefit-can-support-your-family\",\"field_bl_tag\":\"\u003Ca href=\\\"/blog/guides/popular\\\" hreflang=\\\"en\\\">Popular\u003C/a>, \u003Ca href=\\\"/blog/guides/savings\\\" hreflang=\\\"en\\\">Savings\u003C/a>\",\"description\":\"\u003Cp>In the realm of financial planning, ensuring the well-being and security of one's family stands as a paramount objective. \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan\\\" target=\\\"_blank\\\">Premier Assured Benefit Plan\u003C/a> (PAB), offered by Shriram Life Insurance, emerges as a versatile solution designed to support families across various life stages and financial milestones. With its unique blend of protection, savings, and investment opportunities, PAB stands ready to address a myriad of financial planning goals. In this article, we explore three scenarios where Premier Assured Benefit can serve as a cornerstone in supporting your family's financial needs, encompassing child education, retirement planning, and legacy wealth creation.\u003C/p>\u003Ch2>\u003Cstrong>Scenario 1: Funding Your Child's Education\u003C/strong>\u003C/h2>\u003Cp>One of the most significant financial responsibilities for any parent is ensuring their child's education. Premier Assured Benefit offers a tailored solution to address this critical goal by providing a combination of \u003Ca href=\\\"https://www.shriramlife.com/blog/others/comprehensive-guide-to-choose-the-right-life-insurance\\\" target=\\\"_blank\\\">comprehensive protection and long-term savings\u003C/a>. Here's how PAB can support your family in funding your child's education:\u003C/p>\u003Ch3>\u003Cstrong>Financial Protection:\u003C/strong>\u003C/h3>\u003Cp>In the unfortunate event of the policyholder's demise, Premier Assured Benefit ensures that the sum assured is paid out to the beneficiaries, providing a financial safety net for the family. This ensures that your child's education expenses are covered, even in your absence, allowing them to pursue their academic aspirations without financial constraints.\u003C/p>\u003Ch3>\u003Cstrong>Savings Component:\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit includes a \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/savings-plan-premium-components\\\" target=\\\"_blank\\\">savings component\u003C/a>, allowing policyholders to accumulate wealth over the policy term. By systematically investing in the plan, parents can build a corpus that can be utilized to fund their child's education expenses. Whether it's tuition fees, books, or extracurricular activities, the savings accumulated through PAB can serve as a valuable resource in meeting educational costs.\u003C/p>\u003Ch3>\u003Cstrong>Tax Benefits:\u003C/strong>\u003C/h3>\u003Cp>Additionally, Premier Assured Benefit offers attractive tax benefits, allowing parents to save on taxes while building wealth for their child's education. The premiums paid towards the policy are eligible for tax deductions under Section 80C of the Income Tax Act, providing parents with valuable tax savings. Moreover, the maturity proceeds, and death benefits received under the policy are generally tax-free under Section 10(10D), ensuring tax-efficient wealth accumulation.\u003C/p>\u003Ch2>\u003Cstrong>Scenario 2: Planning for Retirement\u003C/strong>\u003C/h2>\u003Cp>As individuals progress through their careers, \u003Ca href=\\\"https://www.shriramlife.com/blog/others/life-insurance-in-comprehensive-financial-planning\\\" target=\\\"_blank\\\">planning for retirement\u003C/a> becomes increasingly important to ensure a comfortable and financially secure future. Premier Assured Benefit offers a strategic solution to support retirement planning, providing a combination of financial protection and long-term savings. Here's how PAB can support your family in planning for retirement:\u003C/p>\u003Ch3>\u003Cstrong>Retirement Income:\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit offers flexible payout options, allowing policyholders to choose between lump-sum payments or regular income streams during retirement. By opting for regular income payments, individuals can create a steady source of income to support their lifestyle expenses during retirement, ensuring financial security and peace of mind.\u003C/p>\u003Ch3>\u003Cstrong>Wealth Accumulation:\u003C/strong>\u003C/h3>\u003Cp>The savings component of Premier Assured Benefit enables individuals to accumulate wealth over the policy term, providing an asset for retirement. By systematically investing in the plan, individuals can build a substantial corpus that can be utilized to supplement their retirement income, meet healthcare expenses, or pursue leisure activities during their golden years.\u003C/p>\u003Ch3>\u003Cstrong>Estate Planning:\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit can also be leveraged as a \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/savings-plan-calculator\\\" target=\\\"_blank\\\">tool for estate planning\u003C/a>, allowing individuals to pass on their wealth to their heirs in a tax-efficient manner. By nominating beneficiaries under the policy, individuals can ensure a smooth transfer of assets and provide financial security to their loved ones even after their demise. This estate planning feature adds an additional layer of versatility to Premier Assured Benefit, making it a comprehensive solution for \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/retirement-plan-calculator\\\" target=\\\"_blank\\\">retirement planning\u003C/a>.\u003C/p>\u003Ch2>\u003Cstrong>Scenario 3: Legacy Wealth Creation\u003C/strong>\u003C/h2>\u003Cp>Beyond meeting immediate financial needs, Premier Assured Benefit offers a unique opportunity for individuals to create a legacy for future generations. Whether it's leaving an inheritance for children and grandchildren or supporting charitable causes, PAB can serve as a powerful tool for legacy wealth creation. Here's how PAB can support your family in creating a legacy:\u003C/p>\u003Ch3>\u003Cstrong>Wealth Preservation:\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit ensures that the accumulated wealth is preserved over time, protecting it from market fluctuations and economic uncertainties. This wealth preservation feature ensures that individuals can pass on their assets intact to their beneficiaries, providing financial security and stability for future generations.\u003C/p>\u003Ch3>\u003Cstrong>Estate Equalization:\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit can be used to equalize inheritances among beneficiaries, ensuring fair and equitable distribution of assets. By nominating beneficiaries and specifying the sum assured, individuals can allocate their assets in a manner that reflects their wishes and values, fostering harmony and unity within the family.\u003C/p>\u003Ch3>\u003Cstrong>Charitable Giving:\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit can also be used to support charitable causes and organizations that are meaningful to the policyholder. By designating a portion of the sum assured to charity, individuals can leave a positive impact on society and contribute to causes that align with their values and beliefs.\u003C/p>\u003Ch3>\u003Cstrong>Conclusion: Securing Your Family's Future with Premier Assured Benefit\u003C/strong>\u003C/h3>\u003Cp>In conclusion, Premier Assured Benefit from Shriram Life Insurance emerges as a versatile financial tool designed to support families across various life stages and financial milestones. Whether it's funding your child's education, planning for retirement, or creating a legacy, PAB offers a tailored solution that addresses your unique financial needs and aspirations. With its combination of comprehensive protection, long-term savings, and tax benefits, Premier Assured Benefit empowers individuals to secure their family's future with confidence and peace of mind.\u003C/p>\u003Cp>Furthermore, opting for flexible plans such as Premier Assured Benefit not only provides financial security but also instils a sense of confidence and peace of mind, knowing that your family's future is safeguarded against life's uncertainties. With its flexible payout options, tax benefits, and wealth accumulation opportunities, this plan offers a holistic approach to financial planning, allowing individuals to navigate life's transitions with ease. Whether it's protecting loved ones, building wealth, or leaving a legacy, Premier Assured Benefit serves as a beacon of stability and prosperity, guiding families towards a brighter and more secure future. By choosing a savings plan with insurance coverage such as the Premier Assured Benefit from Shriram Life Insurance, you're not just investing in an insurance policy – you're investing in your family's happiness, security, and prosperity for generations to come.\u003C/p>\",\"category\":\"/blog/premier-assured-benefit\"},{\"title\":\"Understanding coverage vs savings: the relationship between premium amounts and sum assured and why these matters in PAB\",\"heading\":\"Understanding coverage vs savings: the relationship between premium amounts and sum assured and why these matters in PAB\",\"short_description\":\"\u003Cp>In the intricate landscape of insurance planning, grasping the dynamics between coverage and savings is fundamental for making sound financial deci\u003C/p>\",\"tile_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-07/4.%20Understanding%20coverage%20vs%20savings_%20the%20relationship%20betweem%20premium%20amounts%20and%20sum%20assured%20and%20why%20this%20matters%20in%20PAB_0.png?VersionId=VpTRnc1Iw61PiazmRY2CxtNkP09gojRG\",\"alt\":\"Saving components of Premier Assured Benefits plan\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"posted_on\":\"2024-07-04T10:39:25\",\"updated_on\":false,\"read_more_title\":\"Know More\",\"slug\":\"/relationship-between-premium-amounts-and-sum-assured-and-why-these-matters-in-pab\",\"field_bl_tag\":\"\u003Ca href=\\\"/blog/guides/popular\\\" hreflang=\\\"en\\\">Popular\u003C/a>, \u003Ca href=\\\"/blog/guides/savings\\\" hreflang=\\\"en\\\">Savings\u003C/a>\",\"description\":\"\u003Cp>In the intricate landscape of insurance planning, grasping the dynamics between coverage and savings is fundamental for making sound financial decisions. \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan\\\" target=\\\"_blank\\\">Premier Assured Benefit\u003C/a> (PAB), an innovative offering from Shriram Life Insurance, epitomizes this delicate balance by integrating comprehensive protection with wealth accumulation opportunities. Central to understanding PAB is unravelling the relationship between premium amounts and sum assured – two pivotal \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan-premium-components\\\" target=\\\"_blank\\\">components that dictate the efficacy of the policy\u003C/a>. In this article, we embark on a journey to demystify this relationship, exploring why it matters and how it shapes the landscape of insurance planning, particularly within the realm of PAB.\u003C/p>\u003Ch2>\u003Cstrong>Unveiling the Basics: Coverage vs Savings\u003C/strong>\u003C/h2>\u003Cp>At its core, insurance serves a dual purpose: providing financial protection against unforeseen events and facilitating \u003Ca href=\\\"https://www.shriramlife.com/blog/others/life-insurance-in-comprehensive-financial-planning\\\" target=\\\"_blank\\\">savings for future needs\u003C/a>. Coverage, often referred to as the sum assured or death benefit, represents the amount payable to the policyholder's beneficiaries in the event of the insured individual's demise. On the other hand, savings refer to the portion of the premium allocated towards building a corpus over time, offering individuals an avenue for wealth accumulation. Understanding the intricate interplay between these two aspects is essential for optimizing the benefits of an insurance policy and aligning it with one's financial goals.\u003C/p>\u003Ch2>\u003Cstrong>The Nexus of Premium Amounts and Sum Assured\u003C/strong>\u003C/h2>\u003Cp>The relationship between premium amounts and sum assured forms the cornerstone of insurance planning, influencing the level of \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan-coverage\\\" target=\\\"_blank\\\">coverages and savings\u003C/a> provided by the policy. To comprehend this relationship fully, it's essential to delve into the key components involved and how they interact:\u003C/p>\u003Ch3>\u003Cstrong>1. Premium Amounts:\u003C/strong>\u003C/h3>\u003Cp>The premium amount represents the cost of insurance coverage and savings accumulation under the policy. It is determined based on various factors, including the insured individual's age, health condition, lifestyle habits, and desired level of coverage. The premium amount is divided into two components: one portion goes towards providing risk cover, while the other is allocated towards accumulating savings over the policy term.\u003C/p>\u003Ch3>\u003Cstrong>2. Risk Cover:\u003C/strong>\u003C/h3>\u003Cp>The portion of the premium allocated towards risk cover, also known as mortality charges, is used to mitigate the insurer's risk of having to pay out the sum assured in the event of the insured individual's demise. Mortality charges are calculated based on actuarial principles, considering factors such as the insured individual's age, gender, health status, and life expectancy. The risk cover ensures that the sum assured is available to the policyholder's beneficiaries in case of an unfortunate event.\u003C/p>\u003Ch3>\u003Cstrong>3. Sum Assured:\u003C/strong>\u003C/h3>\u003Cp>The sum assured represents the guaranteed amount payable to the policyholder's beneficiaries upon the insured individual's demise. It serves as the cornerstone of the policy's financial protection component, providing a safety net for the insured individual's loved ones in times of need. The sum assured is determined based on various factors, including the insured individual's income, financial obligations, outstanding debts, and desired standard of living for their beneficiaries.\u003C/p>\u003Ch3>\u003Cstrong>4. Fund Allocation\u003C/strong>:\u003C/h3>\u003Cp>The remaining portion of the premium, after deducting mortality charges for risk cover, is allocated towards building a savings corpus over the policy term. This portion of the premium is invested in various savings instruments, such as bonds, equities, or money market funds, to generate returns over time. The fund allocation strategy is determined based on factors such as the policyholder's risk tolerance, investment horizon, and financial objectives.\u003C/p>\u003Ch2>\u003Cstrong>Deciphering the Mechanism in Premier Assured Benefit\u003C/strong>\u003C/h2>\u003Cp>In Premier Assured Benefit, the relationship between premium amounts and sum assured is intricately woven into the fabric of the policy, shaping its efficacy and value proposition for policyholders. Understanding how the paid premium is split up and allocated towards providing risk cover and accumulating savings over the long term is crucial for \u003Ca href=\\\"https://www.shriramlife.com/blog/early-cash-plan/maximizing-returns-understanding-the-savings-component-of-early-cash-plan\\\" target=\\\"_blank\\\">maximizing the benefits of the policy\u003C/a>. Here's a closer look at the mechanism:\u003C/p>\u003Ch3>\u003Cstrong>1. Optimal Risk Cover:\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit ensures that the \u003Ca href=\\\"https://www.shriramlife.com/blog/premier-assured-benefit/maximizing-benefits-with-flexible-premium-payment\\\">premium amount is optimally allocated\u003C/a> towards providing adequate risk cover to the insured individual. By accurately assessing the insured individual's risk profile and mortality risk, the policy ensures that the sum assured is available to provide financial protection to the insured individual's beneficiaries in case of an unfortunate event. This optimal risk cover mechanism enhances the policy's effectiveness in safeguarding the insured individual's loved ones against financial uncertainties.\u003C/p>\u003Ch3>\u003Cstrong>2. Strategic Fund Allocation:\u003C/strong>\u003C/h3>\u003Cp>In Premier Assured Benefit, the remaining portion of the premium, after deducting mortality charges for risk cover, is strategically allocated towards building a savings corpus over the policy term. The fund allocation strategy is designed to generate optimal returns while balancing risk and liquidity considerations. By investing in a diversified portfolio of assets, the policy aims to maximize returns and ensure long-term wealth accumulation for the policyholder.\u003C/p>\u003Ch3>\u003Cstrong>3. Wealth Accumulation Opportunities:\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit offers policyholders the opportunity to accumulate wealth over the long term through systematic savings and investment. By leveraging the power of compounding returns and disciplined investment strategies, policyholders can build a substantial corpus that can be utilized to meet various financial goals, such as retirement planning, education funding, or wealth preservation. This wealth accumulation feature adds significant value to the policy, providing policyholders with a reliable avenue for achieving their long-term financial objectives.\u003C/p>\u003Ch2>\u003Cstrong>Why It Matters in Premier Assured Benefit\u003C/strong>\u003C/h2>\u003Cp>The relationship between premium amounts and sum assured in Premier Assured Benefit holds profound implications for policyholders' financial security and wealth accumulation. By understanding how premium amounts are split up and allocated towards providing risk cover and accumulating savings, policyholders can make informed decisions about their insurance planning and optimize the benefits of the policy. Here's why this relationship matters:\u003C/p>\u003Ch3>\u003Cstrong>Enhanced Financial Protection:\u003C/strong>\u003C/h3>\u003Cp>The optimal allocation of premium amounts towards risk cover ensures that policyholders receive adequate financial protection in case of an unfortunate event. This enhanced financial protection mechanism provides policyholders with peace of mind, knowing that their loved ones will be taken care of financially in times of need.\u003C/p>\u003Ch3>\u003Cstrong>Long-Term Wealth Accumulation:\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit offers policyholders the opportunity to build long-term wealth through systematic savings and investment. By allocating a portion of the premium towards accumulating savings over the policy term, policyholders can harness the power of compounding returns and disciplined investment strategies to build a substantial corpus for the future.\u003C/p>\u003Ch3>\u003Cstrong>Customized Financial Planning:\u003C/strong>\u003C/h3>\u003Cp>Understanding the relationship between premium amounts and sum assured empowers policyholders to plan according to their unique financial goals and objectives. By optimizing the allocation of premium amounts towards risk cover and savings accumulation, policyholders can align the policy with their specific needs and aspirations, thereby maximizing its value and effectiveness.\u003C/p>\u003Ch3>\u003Cstrong>Conclusion: Empowering Informed Decision-Making\u003C/strong>\u003C/h3>\u003Cp>In conclusion, understanding the relationship between premium amounts and sum assured is essential for navigating the landscape of insurance planning. By comprehending how premium amounts are split up and allocated towards providing risk cover and accumulating savings over the long term, policyholders can make informed decisions about their insurance planning and optimize the benefits of the policy. Whether it's enhancing financial protection, maximizing long-term wealth accumulation, or \u003Ca href=\\\"https://www.shriramlife.com/blog/others/life-insurance-in-comprehensive-financial-planning\\\" target=\\\"_blank\\\">customizing financial planning\u003C/a> according to specific goals and objectives, the relationship between premium amounts and sum assured in flexible savings plan such as Premier Assured Benefit offers a wealth of opportunities for policyholders to secure their financial future and achieve their aspirations.\u003C/p>\",\"category\":\"/blog/premier-assured-benefit\"},{\"title\":\"5 Reasons Why Premier Assured Benefit Scores Over Normal Life Insurance\",\"heading\":\"5 Reasons Why Premier Assured Benefit Scores Over Normal Life Insurance\",\"short_description\":\"\u003Cp>In the realm of financial planning, choosing the right insurance plan is crucial for safeguarding one's future and achieving long-term goals.\u003C/p>\",\"tile_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-07/3.%205%20Reasons%20why%20Premier%20Assured%20Benefit%20scores%20over%20normal%20life%20insurance_0.png?VersionId=2bpU7yRODvU9EwSpcSE8fYt6U2aoLXPl\",\"alt\":\"Premier Assured Benefit vs life insurance\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"posted_on\":\"2024-07-04T05:30:14\",\"updated_on\":false,\"read_more_title\":\"Know More\",\"slug\":\"/reasons-why-premier-assured-benefit-scores-over-normal-life-insurance\",\"field_bl_tag\":\"\u003Ca href=\\\"/blog/guides/savings\\\" hreflang=\\\"en\\\">Savings\u003C/a>, \u003Ca href=\\\"/blog/guides/popular\\\" hreflang=\\\"en\\\">Popular\u003C/a>\",\"description\":\"\u003Cp>In the realm of financial planning, choosing the right insurance plan is crucial for safeguarding one's future and achieving long-term goals. While traditional life insurance policies offer essential protection, they often lack the flexibility and savings components necessary to address evolving financial needs. Enter \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan\\\" target=\\\"_blank\\\">Premier Assured Benefit – a modern-day insurance solution\u003C/a> that not only provides comprehensive coverage but also offers unparalleled flexibility and savings opportunities. Let's explore five compelling reasons why Premier Assured Benefit stands head and shoulders above normal life insurance plans.\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>1. Flexibility in Premium Payments and Coverage Terms\u003C/strong>\u003C/span>\u003Cspan> \u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Unlike conventional life insurance policies that offer limited flexibility in premium payments and coverage terms, Premier Assured Benefit provides a wide range of options to suit individual preferences and financial situations. Policyholders have the \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/blog/premier-assured-benefit/maximizing-benefits-with-flexible-premium-payment\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">flexibility to choose from various premium payment terms\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">, including single premium, limited premium, or regular premium, allowing them to customize their payment schedule based on their cash flow and financial goals.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Additionally, Premier Assured Benefit offers flexibility in coverage terms, enabling policyholders to select the policy duration that best aligns with their needs and aspirations. Whether it's a short-term coverage for specific financial goals or a long-term plan to secure one's future, the flexibility offered by Premier Assured Benefit ensures that individuals can tailor the policy according to their unique circumstances.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>2. Comprehensive Coverage with Savings Component\u003C/strong>\u003C/span>\u003Cspan> \u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">While traditional life insurance policies primarily focus on providing death benefits, Premier Assured Benefit \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan-coverage\\\" target=\\\"_blank\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">offers a unique blend of comprehensive coverage\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\"> and savings component. In addition to the life cover, this plan allows policyholders to build a corpus over time through regular premium payments. The savings component of Premier Assured Benefit ensures that individuals can accumulate wealth while securing their family's financial future, making it a holistic solution for financial planning.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">By integrating protection with savings, Premier Assured Benefit addresses both short-term and long-term financial goals, providing individuals with peace of mind and financial security. Whether it's protecting loved ones in the event of an untimely demise or building wealth for retirement, Premier Assured Benefit offers a comprehensive solution that caters to diverse needs and aspirations.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>3. Guaranteed Returns and Maturity Benefits\u003C/strong>\u003C/span>\u003Cspan> \u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">One of the \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan-features-and-benefits\\\" target=\\\"_blank\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">key advantages of Premier Assured Benefit\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\"> over normal life insurance is its promise of guaranteed returns and maturity benefits. Unlike traditional policies where premiums are allocated towards providing a death benefit only, Premier Assured Benefit ensures that policyholders receive a predetermined sum assured along with accrued bonuses upon maturity of the policy. These guaranteed returns provide individuals with a sense of security and stability, making it easier to plan for future expenses and financial milestones.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Moreover, the maturity benefits offered by Premier Assured Benefit can be utilized to fulfil various financial goals, such as purchasing a house, funding education, or supplementing retirement income. This flexibility in utilizing maturity benefits adds significant value to the plan, making it an attractive option for individuals looking to combine protection with savings and wealth accumulation.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>4. Enhanced Financial Planning with Flexibility in Payout Options\u003C/strong>\u003C/span>\u003Cspan> \u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Premier Assured Benefit offers enhanced financial planning capabilities through flexibility in payout options. Policyholders have the flexibility to choose from various payout options, including lump sum payments, regular income streams, or a combination of both, based on their financial preferences and requirements. This flexibility ensures that individuals can tailor the plan according to their unique circumstances and goals, providing greater control over their financial future.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Whether it's planning for retirement, funding children's education, or managing cash flow during emergencies, the flexibility offered by Premier Assured Benefit empowers individuals to meet their financial obligations and aspirations effectively. By providing customizable payout options, Premier Assured Benefit ensures that policyholders can adapt their financial strategy according to life's changing circumstances and evolving goals.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>5. Tax Benefits and Wealth Accumulation Opportunities\u003C/strong>\u003C/span>\u003Cspan> \u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Premier Assured Benefit offers attractive tax benefits, further enhancing its appeal as a \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/life-insurance/savings-plan\\\" target=\\\"_blank\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">comprehensive insurance and savings solution\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">. Premiums paid towards the policy are eligible for tax deductions under Section 80C of the Income Tax Act, providing individuals with an opportunity to reduce their tax liabilities while building wealth. Moreover, the maturity proceeds and death benefits received under the policy are generally tax-free under Section 10(10D) of the Income Tax Act, ensuring tax-efficient wealth accumulation and distribution.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Furthermore, Premier Assured Benefit can be leveraged as a tool for wealth accumulation and estate planning. By providing guaranteed returns and maturity benefits, the plan facilitates long-term wealth accumulation while ensuring financial security for loved ones. Additionally, the tax benefits associated with the plan make it an attractive option for individuals seeking to maximize their savings and optimize their tax liabilities.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>Conclusion: Elevate Your Financial Security with Premier Assured Benefit\u003C/strong>\u003C/span>\u003Cspan> \u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">In conclusion, Premier Assured Benefit offers a compelling alternative to traditional life insurance policies, providing a unique blend of flexibility, coverage, and savings opportunities. Whether you're a young professional starting your career, a family-oriented individual planning for the future, or a seasoned investor seeking to diversify your portfolio, \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/blog/premier-assured-benefit/exploring-rider-protection-options-in-life-insurance\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Premier Assured Benefit offers a tailored solution\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\"> to meet your financial needs and aspirations.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">By combining comprehensive coverage with a savings component, guaranteed returns, flexibility in payout options, and tax benefits, Premier Assured Benefit stands as a testament to Shriram Life Insurance's commitment to innovation and customer-centricity.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Moreover, the flexibility ingrained within Premier Assured Benefit extends beyond premium payments and coverage terms to encompass adaptable payout options tailored to suit evolving needs and circumstances. Whether policyholders opt for regular income streams to supplement monthly expenses or lump-sum payments to finance significant milestones, the plan provides the autonomy to align payouts with individual financial objectives. This level of flexibility empowers individuals to navigate life's transitions with ease, confidence in their ability to manage financial resources effectively.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">In essence, Premier Assured Benefit embodies a holistic approach to financial security, transcending the limitations of traditional life insurance to offer a multifaceted solution that evolves alongside policyholders' aspirations. With its unwavering commitment to innovation, customer empowerment, and financial well-being, Premier Assured Benefit epitomizes Shriram Life Insurance's dedication to delivering excellence in insurance products and services. We invite you to embark on a journey towards lasting financial prosperity and peace of mind – because your financial future deserves nothing less than the pinnacle of insurance excellence.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\",\"category\":\"/blog/premier-assured-benefit\"},{\"title\":\"Combine Protection with Planning: 3 reasons why Premier Assured Benefit is better than term insurance\",\"heading\":\"Combine Protection with Planning: 3 reasons why Premier Assured Benefit is better than term insurance\",\"short_description\":\"\u003Ch2>Discover the unique features of savings plans and compare benefits which regular term insurance does not typically offer (savings).\u003C/h2>\u003Cp>In the \u003C/p>\",\"tile_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-07/2.%20Combine%20Protection%20with%20Planning_%203%20reasons%20why%20Premier%20Assured%20Benefit%20is%20better%20than%20term%20insurance_0.png?VersionId=Cai6Sjfl0Gs.8q_t17txl.QtPz2nQiG1\",\"alt\":\"Premier Assured Benefit plan is better than Term Insurance\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"posted_on\":\"2024-07-03T10:42:13\",\"updated_on\":false,\"read_more_title\":\"Know More\",\"slug\":\"/reasons-why-premier-assured-benefit-is-better-than-term-insurance\",\"field_bl_tag\":\"\u003Ca href=\\\"/blog/guides/popular\\\" hreflang=\\\"en\\\">Popular\u003C/a>, \u003Ca href=\\\"/blog/guides/savings\\\" hreflang=\\\"en\\\">Savings\u003C/a>\",\"description\":\"\u003Ch2>Discover the unique features of savings plans and compare benefits which regular term insurance does not typically offer (savings).\u003C/h2>\u003Cp>In the realm of financial planning, striking a balance between protection from risk and wealth accumulation is paramount. While term insurance provides essential life cover, it does not address long-term savings goals. Shriram Life Insurance recognizes this need for comprehensive coverage coupled with wealth creation and offers the Premier Assured Benefit plan. This innovative savings plan not only provides robust protection but also offers unique features that set it apart from traditional term insurance policies. Let's delve into three compelling reasons why Savings plans such as the \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan\\\" target=\\\"_blank\\\">Premier Assured Benefit\u003C/a> offer benefits beyond term insurance for individuals seeking to combine protection with planning.\u003C/p>\u003Ch3>\u003Cstrong>1. Dual Benefits of Protection and Savings\u003C/strong>\u003C/h3>\u003Cp>Unlike conventional term insurance, which solely focuses on providing a death benefit to beneficiaries in the event of the policyholder's demise, Premier Assured Benefit offers a dual benefit of protection and savings. In addition to providing a life cover, this plan allows policyholders to build a corpus over time through regular premium payments. The savings \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan-premium-components\\\" target=\\\"_blank\\\">component of the plan\u003C/a> ensures that individuals can work towards achieving their long-term financial goals, such as purchasing a home, funding their child's education, or planning for retirement, while simultaneously securing their family's future.\u003C/p>\u003Cp>By integrating protection with savings, Premier Assured Benefit offers a holistic approach to financial planning, addressing both short-term and long-term financial needs. This unique feature distinguishes it from traditional term insurance policies, which do not provide any savings or investment component, leaving policyholders solely reliant on the death benefit for financial security.\u003C/p>\u003Ch3>\u003Cstrong>2. Guaranteed Returns and Maturity Benefits\u003C/strong>\u003C/h3>\u003Cp>One of the standouts \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan-features-and-benefits\\\" target=\\\"_blank\\\">features of Premier Assured Benefit\u003C/a> is its promise of guaranteed returns and maturity benefits. Unlike term insurance, where premiums are typically allocated towards providing a death benefit only, this savings plan ensures that policyholders receive a predetermined sum assured along with accrued bonuses upon maturity of the policy. These guaranteed returns provide individuals with a sense of security and predictability, making it easier to plan for future expenses and financial milestones.\u003C/p>\u003Cp>Moreover, the maturity benefits offered by Premier Assured Benefit can be utilized to fulfil various financial goals, such as purchasing a house, funding a child's wedding, or supplementing retirement income. This flexibility in utilizing maturity benefits adds significant value to the plan, making it an attractive option for individuals looking to combine protection with planning.\u003C/p>\u003Ch3>\u003Cstrong>3. Flexible Payout Options and Additional Riders\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit goes beyond traditional term insurance by offering flexible payout options and additional \u003Ca href=\\\"https://www.shriramlife.com/blog/premier-assured-benefit/exploring-rider-protection-options-in-life-insurance\\\" target=\\\"_blank\\\">riders to enhance coverage\u003C/a>. Policyholders have the flexibility to choose from various payout options, including lump sum payments, regular income streams, or a combination of both, based on their financial preferences and requirements. This flexibility ensures that individuals can tailor the plan according to their unique circumstances and goals, providing greater control over their financial future.\u003C/p>\u003Cp>Furthermore, Premier Assured Benefit offers a range of optional riders, such as accidental death benefit, critical illness rider, and disability rider, which can be added to the base plan for enhanced coverage. These riders provide additional financial protection against unforeseen events, ensuring comprehensive coverage for policyholders and their families.\u003C/p>\u003Cp>Certainly! Let's explore further into the \u003Ca href=\\\"https://www.shriramlife.com/blog/premier-assured-benefit/key-features-of-shriram-life-savings-plans\\\" target=\\\"_blank\\\">unique features of Premier Assured Benefit\u003C/a> and delve deeper into why it surpasses traditional term insurance, particularly in terms of savings and wealth accumulation.\u003C/p>\u003Ch3>\u003Cstrong>4. Wealth Accumulation through Bonuses and Compounding Returns\u003C/strong>\u003C/h3>\u003Cp>One of the key advantages of Premier Assured Benefit over term insurance lies in its ability to facilitate wealth accumulation through bonuses and compounding returns. Unlike term insurance, where premiums solely contribute towards providing a death benefit, the premiums paid towards Premier Assured Benefit are invested to generate returns over time. These returns are distributed in the form of bonuses, which are added to the policy's sum assured, thereby enhancing the overall corpus.\u003C/p>\u003Cp>By leveraging the power of compounding returns, Premier Assured Benefit allows policyholders to accumulate substantial wealth over the policy term. This wealth can serve as an asset in achieving long-term financial goals, such as retirement planning, wealth preservation, or legacy building. The ability to harness the potential of compounding returns sets Premier Assured Benefit apart from traditional term insurance, making it a preferred choice for individuals seeking to build wealth while ensuring financial protection.\u003C/p>\u003Ch3>\u003Cstrong>5. Flexibility in Premium Payment Terms and Coverage Period\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit offers greater, \u003Ca href=\\\"https://www.shriramlife.com/blog/premier-assured-benefit/maximizing-benefits-with-flexible-premium-payment\\\" target=\\\"_blank\\\">flexibility in premium payment terms\u003C/a> and coverage periods compared to traditional term insurance policies. Policyholders have the option to choose from a range of premium payment terms, allowing them to align their premium payments with their financial capabilities and goals. Whether it's opting for a single premium payment, limited premium payment, or regular premium payment, individuals can select the payment schedule that best suits their needs.\u003C/p>\u003Cp>Additionally, Premier Assured Benefit provides flexibility in the coverage period, allowing policyholders to tailor the policy duration according to their specific requirements. This flexibility ensures that individuals can customize the plan to align with their financial goals and life stage, whether it's providing protection during the working years, planning for retirement, or leaving a legacy for future generations.\u003C/p>\u003Ch3>\u003Cstrong>6. Tax Benefits and Estate Planning Opportunities\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit offers attractive tax benefits, further enhancing its appeal as a comprehensive savings and protection solution. Premiums paid towards the policy are eligible for tax deductions under Section 80C of the Income Tax Act, providing individuals with an opportunity to reduce their tax liabilities while building wealth. Moreover, the maturity proceeds, and death benefits received under the policy are generally tax-free under Section 10(10D) of the Income Tax Act, ensuring tax-efficient wealth accumulation and distribution.\u003C/p>\u003Cp>Furthermore, Premier Assured Benefit can be leveraged as a tool for estate planning, allowing individuals to pass on their wealth to their heirs in a tax-efficient manner. By nominating beneficiaries under the policy, individuals can ensure a smooth transfer of assets and provide financial security to their loved ones even after their demise. This estate planning feature adds an additional layer of versatility to Premier Assured Benefit, making it a comprehensive solution for individuals looking to protect and preserve their wealth for future generations.\u003C/p>\u003Ch3>\u003Cstrong>Conclusion: Secure Your Financial Future with Premier Assured Benefit\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit from Shriram Life Insurance stands as a testament to the company's commitment to innovation and customer-centricity. By offering a unique blend of protection, savings, and flexibility, this savings plan surpasses traditional term insurance in providing comprehensive coverage and wealth accumulation opportunities.\u003C/p>\u003Cp>Whether you're a young professional starting your career, a family-oriented individual planning for your loved ones' future, or a seasoned investor seeking to diversify your portfolio, Premier Assured Benefit offers a tailored solution to meet your financial needs and aspirations. So, if you're ready to take control of your financial future and embark on a journey towards prosperity, consider your ability to embark on a savings plan at the earliest. Your financial well-being deserves nothing but the best.\u003C/p>\",\"category\":\"/blog/premier-assured-benefit\"},{\"title\":\"Supercharge your Savings: Decide How you Want to Save with this Plan Using Flexible Payouts\",\"heading\":\"Supercharge your Savings: Decide How you Want to Save with this Plan Using Flexible Payouts\",\"short_description\":\"\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">In today's rapidly changing world, securing one's financial future has become more crucial than ever.\u003C/span>\u003C/p>\",\"tile_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-07/1.%20Supercharge%20your%20savings_%20decide%20how%20you%20want%20to%20save%20with%20this%20plan%20using%20flexible%20payouts_0.png?VersionId=hjPGhbMitDUxZ7OxYDng4GEXRXFTyM_.\",\"alt\":\"Flexible Payout Benefit\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"posted_on\":\"2024-07-03T05:41:11\",\"updated_on\":false,\"read_more_title\":\"Know More\",\"slug\":\"/how-you-want-to-save-with-this-plan-using-flexible-payouts\",\"field_bl_tag\":\"\u003Ca href=\\\"/blog/guides/savings\\\" hreflang=\\\"en\\\">Savings\u003C/a>, \u003Ca href=\\\"/blog/guides/popular\\\" hreflang=\\\"en\\\">Popular\u003C/a>\",\"description\":\"\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">In today's rapidly changing world, securing one's financial future has become more crucial than ever. With various investment options available, selecting the right plan that aligns with your goals and offers flexibility is paramount. Shriram Life Insurance understands the diverse needs of individuals and families when it comes to savings and offers a range of comprehensive savings plans with flexible payout options.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>Understanding the Importance of Savings\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Savings play a pivotal role in achieving financial stability and meeting long-term financial goals. Whether it's for education, retirement, emergencies, or legacy planning, having a robust savings plan is essential. However, the traditional approach of saving through fixed deposits or regular savings accounts may not always yield the desired results due to inflation and fluctuating market conditions. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>Introducing Shriram Life Insurance's Savings Plans\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Shriram Life Insurance stands out as a trusted partner in financial planning, offering a wide array of savings plans designed to cater to diverse needs and preferences. These plans not only provide financial protection but also offer the opportunity for wealth creation over time.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan>\u003Cstrong>1. \u003C/strong>\u003C/span>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>Comprehensive Coverage\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">One of the key aspects of Shriram Life Insurance's savings plans is the comprehensive coverage they provide. These plans offer life cover along with savings, ensuring that your loved ones are financially secure in case of any unfortunate event. This dual benefit makes these plans a prudent choice for individuals looking to safeguard their family's future while building wealth simultaneously.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>2. Flexible Payout Options\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">What sets Shriram Life Insurance apart is its emphasis on flexibility. The savings plans come with a range of payout options tailored to suit individual requirements. Whether you prefer regular income streams, lump sum payouts, or a combination of both, there's a plan to accommodate your preferences.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>Exploring the Savings Plans\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Let's delve into some of the standout savings plans offered by Shriram Life Insurance:\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>1. Shriram Life Assured Income Plan\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Ca href=\\\"https://www.shriramlife.com/life-insurance/assured-income-plan\\\" target=\\\"_blank\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Shriram Life Assured Income Plan\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\"> provides guaranteed annual payouts along with life cover, ensuring a steady income stream to fulfil your financial obligations and aspirations. With flexible premium payment options and the choice to receive payouts monthly, quarterly, half-yearly, or annually, it offers unparalleled flexibility.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>2. Shriram Life Premier Assured Benefit Plan\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Ca href=\\\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan\\\" target=\\\"_blank\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Premier Assured Benefit Plan\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\"> focuses on secure investments with the potential for significant returns over time. With a choice of premium payment terms and the flexibility to receive maturity benefits as a lump sum or regular income, it caters to varying risk appetites and financial goals.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>3. Shriram Life Wealth Plus Plan\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">For those seeking to maximize wealth accumulation, the Wealth Plus Plan is an ideal choice. It offers market-linked returns along with life cover, providing the dual benefit of protection and wealth creation. The plan allows policyholders to choose between lump sum payouts or systematic withdrawal options based on their preferences and financial goals.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>The Benefits of Flexible Payouts\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">The flexibility offered by \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/life-insurance/savings-plan\\\" target=\\\"_blank\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Shriram Life Insurance's savings plans\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\"> extends beyond payout options. It empowers policyholders to adapt their financial strategy according to life milestones, changing circumstances, and evolving goals. Whether you're planning for retirement, funding your child's education, or pursuing your entrepreneurial dreams, having the flexibility to adjust payouts ensures that your financial plan remains aligned with your aspirations.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>1. Flexibility for Life's Milestones\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Life is unpredictable, and financial needs evolve over time. With Shriram Life Insurance's savings plans, policyholders have the flexibility to adapt to life's milestones seamlessly. Whether it's purchasing a home, funding higher education, or starting a business venture, having the option to adjust payout preferences ensures that financial resources are available when needed the most. This adaptability empowers individuals to navigate life's changes with confidence, knowing that their savings plan can accommodate their evolving aspirations and obligations.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>2. Mitigating Financial Risks\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">In today's dynamic economic environment, managing financial risks is crucial for long-term prosperity. Shriram Life Insurance's savings plans offer a blend of stability and growth potential, helping individuals mitigate financial risks effectively. By diversifying investment portfolios and providing guaranteed benefits alongside market-linked returns, these plans strike a balance between security and growth. Moreover, the flexibility to choose payout options enables policyholders to mitigate specific risks associated with market volatility, inflation, or unforeseen expenses, thereby \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/blog/others/life-insurance-in-comprehensive-financial-planning\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">enhancing financial resilience\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>3. Tax Benefits and Wealth Accumulation\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Tax planning is an integral part of financial management, and Shriram Life Insurance's savings plans offer attractive tax benefits to policyholders. Under Section 80C of the Income Tax Act, premiums paid towards life insurance policies are eligible for tax deductions, providing an opportunity to reduce tax liabilities while building long-term wealth. Additionally, the tax-free nature of maturity benefits and death benefits further enhances the overall tax efficiency of these savings plans. By leveraging tax advantages and compounding returns over time, individuals can accelerate wealth accumulation and achieve their financial goals faster.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>4. Peace of Mind through Financial Protection\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Beyond wealth creation, Shriram Life Insurance's savings plans offer \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/blog/early-cash-plan/invest-in-your-peace-of-mind-the-early-cash-plan-explained\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">peace of mind through comprehensive financial protection\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">. In the event of an unfortunate demise, the life cover provided by these plans ensures that loved ones are safeguarded from financial hardships. This financial safety net provides reassurance to policyholders, knowing that their family's future is secure, irrespective of unforeseen circumstances. By combining savings with protection, these plans serve as a holistic solution for financial well-being, offering a sense of security and stability to policyholders and their families.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>5. Empowering Financial Independence\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Ultimately, the overarching goal of Shriram Life Insurance's savings plans is to empower individuals to achieve \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/blog/super-income-plan/financial-freedom-starts-with-shriram-life-super-income-plan\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">financial independence and realize their dreams\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">. Whether it's retiring early, traveling the world, or pursuing philanthropic endeavors, having a robust savings plan in place lays the foundation for a fulfilling and prosperous life. The flexibility offered by these plans enables individuals to chart their financial course autonomously, making informed decisions that align with their values, priorities, and aspirations. By providing the tools and resources necessary for financial empowerment, Shriram Life Insurance empowers individuals to take control of their financial destinies and create a legacy of prosperity for generations to come.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">In an era of economic uncertainty and dynamic financial landscapes, having a robust savings plan is essential for achieving financial security and prosperity. Shriram Life Insurance's savings plans with flexible payout options empower individuals to supercharge their savings and tailor their financial journey according to their preferences and goals. By combining comprehensive coverage with flexibility, these plans offer a holistic approach to financial planning, ensuring peace of mind and prosperity for you and your loved ones. So why wait? Explore \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/life-insurance/savings-plan-features-and-benefits\\\" target=\\\"_blank\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Shriram Life Insurance's diverse savings plan features\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\"> today and embark on a journey towards a secure and prosperous future.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\",\"category\":\"/blog/others\"},{\"title\":\"6 Things to Think Before Buying any Life Insurance plans\",\"heading\":\"6 Things to Think Before Buying any Insurance Plans\",\"short_description\":\"\u003Cp>Insurance savings plans are fundamental to securing a future that provides financial freedom.\u003C/p>\",\"tile_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-06/17%20-%206%20Things%20to%20Think%20Before%20Buying%20any%20Life%20Insurance%20plans_0.webp?VersionId=kw57rHg9HPeosY2sLTTOb9.IsAZLmZAh\",\"alt\":\"Things to note before buying any life insurance\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"posted_on\":\"2024-06-28T10:25:48\",\"updated_on\":\"2024-06-28T11:21:57\",\"read_more_title\":\"Know More\",\"slug\":\"/things-to-think-before-buying-any-life-insurance-plans\",\"field_bl_tag\":\"\u003Ca href=\\\"/blog/guides/popular\\\" hreflang=\\\"en\\\">Popular\u003C/a>, \u003Ca href=\\\"/blog/guides/savings\\\" hreflang=\\\"en\\\">Savings\u003C/a>\",\"description\":\"\u003Cp>Insurance savings plans are fundamental to securing a future that provides financial freedom. It lends financial help during tough or unforeseen circumstances, thereby taking the stress away from arranging for money. Before availing an insurance savings plan, one must make an informed decision about which plan will provide the benefits aimed toward their financial status.\u003C/p>\u003Cp>This blog provides a comprehensive overview of the six main things that need to be considered before availing yourself of a plan and the advantages of making such an informed decision. It also details the benefits of using the \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/golden-premier-saver-plan\\\" target=\\\"_blank\\\">Shriram Golden Premier Saver Plan\u003C/a> - an all-in-one insurance that provides long-term financial support.\u003C/p>\u003Ch3>\u003Cstrong>1. Coverage Options:\u003C/strong>\u003C/h3>\u003Cp>Having a precise idea about the coverage is paramount to knowing the plan. Each plan differs from one another. While some cater to life coverage which provides a lump sum to the beneficiaries after the demise of the policyholder, others may be more focused on providing stable income through savings or cash liquidity. Hence it is essential to understand which is a priority for you and then go for a plan that has these coverage options, or even opt for both benefits in one.\u003C/p>\u003Ch3>\u003Cstrong>2. Affordable Premiums:\u003C/strong>\u003C/h3>\u003Cp>Premium is the second important thing that one looks for when choosing an insurance plan. An affordable premium that matches the financial capabilities of the individual is a must. For instance, if someone is worried about losing their job and arranging for their finances, they need to think through the insurance plan before opting for one that has a high premium amount. Failing to evaluate this could even result in the cancellation of the policy.\u003C/p>\u003Cp>Having said that, high premium amounts can also result in better benefits and lower premium charges overall. Therefore, knowing whether to pay a lump sum or monthly installments is essential to making the right decision regarding premium payments.\u003C/p>\u003Ch3>\u003Cstrong>3. Flexible Maturity Payouts:\u003C/strong>\u003C/h3>\u003Cp>Monthly payouts are a given when it comes to \u003Ca href=\\\"https://www.shriramlife.com/life-insurance\\\" target=\\\"_blank\\\">life insurance savings plans\u003C/a>. It is therefore possible to choose how we want to receive those monthly payments. Some plans provide maturity benefits in a lump sum, as regular income, or as both. Do a thorough check on the various features relating to flexible premium payment and then opt for a plan.\u003C/p>\u003Cp>A flexible plan allows for fulfilling financial goals for education, retirement, and other expenses.\u003C/p>\u003Ch3>\u003Cstrong>4. Rider Benefits:\u003C/strong>\u003C/h3>\u003Cp>In addition to flexibility in premium payment frequencies, it is also possible to enhance one’s coverage. There are many rider benefits associated with different plans that facilitate financial ease and provide peace of mind.\u003C/p>\u003Cp>The \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/golden-premier-saver-plan-premium-components\\\" target=\\\"_blank\\\">various riders\u003C/a> are critical illness riders, disability income riders, accidental death benefit riders, etc. These are aimed at providing benefits to both the life insured and his/her family.\u003C/p>\u003Ch3>\u003Cstrong>5. Policy Term and Renewability:\u003C/strong>\u003C/h3>\u003Cp>Having the flexibility to adjust the policy term and renew the plan ensures that your insurance coverage continues to meet your evolving needs as you progress through different life stages.\u003C/p>\u003Cp>Policy terms and renewability options are crucial aspects that need to be considered alongside the points listed above. Look for the maturity age and other flexibility in policy terms that allow one to choose the tenure of the policy. Some rider options give the flexibility to even extend the policy term. This way, you can be sure of what you want and how the plan is trying to meet those goals, rather than functioning as a policy that is set in stone.\u003C/p>\u003Ch3>\u003Cstrong>6. Reputation of the Insurance Provider:\u003C/strong>\u003C/h3>\u003Cp>The reputation of the insurance provider decides the credibility of the policy. While doing research, look for points that talk about aspects such as financial security, claim settlement track record, and the quality of service. These factors decide how the policy is going to turn out, the openness with which flexibility is provided, and the return on investment.\u003C/p>\u003Ch2>\u003Cstrong>Key Features of Shriram Life Golden Premier Plan\u003C/strong>\u003C/h2>\u003Cp>The Shriram Life Golden Premier Saver Plan is an Insurance Savings Plan that allows coverage up to 25 years, for which the premium to pay is for five years less than the policy term. If the life insured passes away during the policy term, the death benefit is given to the family members. Whereas, if the insured is alive at the time of the maturation of the policy, either a lump sum or a mix of lump sum and installments are given to the insured. It is also possible to add multiple rider options that provide the necessary coverage.\u003C/p>\u003Ch3>\u003Cstrong>Low Premium\u003C/strong>\u003C/h3>\u003Cp>There is a huge amount of scope when it comes to paying the premium. You can get your hands on affordable premiums that start from ₹10,296 and can then stay insured throughout your chosen policy term.\u003C/p>\u003Ch3>\u003Cstrong>Limited Premium Paying Term\u003C/strong>\u003C/h3>\u003Cp>Flexibility in premium payment frequencies allow for paying premium for a limited period and then enjoying the benefits of long-term coverage.\u003C/p>\u003Ch3>\u003Cstrong>Premium Installments\u003C/strong>\u003C/h3>\u003Cp>Choose to pay the premium annually, semi-annually, quarterly or monthly, according to your needs, and suitability.\u003C/p>\u003Ch3>\u003Cstrong>Coverage Options\u003C/strong>\u003C/h3>\u003Cp>You can choose to increase the coverage for up to 80 years of age for longer protection.\u003C/p>\u003Cp>This way, you can get protection for a longer period and simultaneously get increased benefits.\u003C/p>\u003Ch3>\u003Cstrong>Bonus\u003C/strong>\u003C/h3>\u003Cp>Bonus additions give extra benefits, and thereby enhance your corpus. You can get a bonus of 4 percent in the first five policy years, along with the monthly payouts.\u003C/p>\u003Ch3>\u003Cstrong>Flexible Maturity Benefit Payout\u003C/strong>\u003C/h3>\u003Cp>You can choose to get the maturity benefit either as a lump sum or as installments based on whichever works best for you.\u003C/p>\u003Cp>Explore the online, live \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/golden-premier-saver-plan-calculator\\\" target=\\\"_blank\\\">Golden Premier Saver calculators\u003C/a> to understand how the plan would work for you with your personalized information such as age, policy term choice and opted riders.\u003C/p>\u003Cp>To conclude, purchasing an insurance savings plan is a significant financial decision that requires thought and consideration. By looking at various factors such as payment flexibility, rider options and other such benefits, it is possible to make an effective and long-lasting decision that will be beneficial in the long run. If one is not able to narrow down on an insurance savings plan, they can consult financial advisors whose job it is to provide the right direction. With a Shriram savings plan, you can secure your present and the future without much of a hassle.\u003C/p>\u003Cp>You can visit \u003Ca href=\\\"https://www.shriramlife.com/\\\" target=\\\"_blank\\\">Shriram Life Insurance\u003C/a> to \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/golden-premier-saver-plan-features-and-benefits\\\" target=\\\"_blank\\\">learn more about our Saver plan\u003C/a> and the customizable options.\u003C/p>\",\"category\":\"/blog/golden-premier-saver-plan\"},{\"title\":\"Main Features to Look for While Choosing a Life Insurance Savings Plans\",\"heading\":\"Main Features to Look for While Choosing a Life Insurance Savings Plans\",\"short_description\":\"\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">When it comes to financial planning, life insurance plays a pivotal role in securing one’s future and providing\u003C/span>\u003C/p>\",\"tile_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-06/Main%20features%20to%20look%20for%20while%20choosing%20a%20life%20insurance%20savings%20plans_0.png?VersionId=_sdVXkAg4XeoxNYcPnquB51YWc8XKyQj\",\"alt\":\"features to look for while choosing a life insurance\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"posted_on\":\"2024-06-28T06:58:24\",\"updated_on\":\"2024-06-28T11:57:32\",\"read_more_title\":\"Know More\",\"slug\":\"/features-to-look-for-while-choosing-a-life-insurance-savings-plans\",\"field_bl_tag\":\"\u003Ca href=\\\"/blog/guides/savings\\\" hreflang=\\\"en\\\">Savings\u003C/a>, \u003Ca href=\\\"/blog/guides/popular\\\" hreflang=\\\"en\\\">Popular\u003C/a>\",\"description\":\"\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">When it comes to financial planning, life insurance plays a pivotal role in securing one’s future and providing for their loved ones. People opt for insurance for many purposes such as for car, home, health, etc. In that, a life insurance savings plan is a versatile and sophisticated insurance policy that provides long-term financial coverage while also giving income in the form of savings that satisfy short term financial goals.\u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">If you are someone who is looking to opt for one such policy and want to know the \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/life-insurance/savings-plan-features-and-benefits\\\" target=\\\"_blank\\\">\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">life insurance savings plan features\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">, then you need to do research to compare various plans and how they provide financial benefits, and then decide a plan based on the information you have. Read this blog further to understand the features of life insurance savings plans and how they provide you financial coverage for the most part of your life.\u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Features\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> of \u003C/strong>\u003C/span>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Life Insurance Savings Plan\u003C/strong>\u003C/span>\u003C/h2>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>1. Flexibility in Premium Payments\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">Many times, we are confronted with unforeseen circumstances in our lives, one such example being the recent Pandemic. Such events sometimes take a toll on our physical property, money being one of them. Having the \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/blog/premier-assured-benefit/maximizing-benefits-with-flexible-premium-payment\\\">\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">flexibility in choosing the premium amount\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\"> to be paid in the life insurance policy that one chooses, will provide a cushion during such times.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>2. Investment Options\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">A crucial component of a \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/life-insurance/savings-plan\\\" target=\\\"_blank\\\">\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">life insurance savings plan\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\"> is the investment option. It falls on us to analyze the various investment options available and then choose a plan based on the options that are suitable to us. The various investment options could be stocks, bonds, mutual funds, etc. to have various options, and then choose the one that gives the best returns.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>3. Guaranteed Returns or Bonuses\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">Guaranteed returns and bonuses are interesting features that pave the way for some amount of certainty in a market that is fluctuating. Look out for plans that provide these features, and then enhance the policy to provide a safe net for your loved ones.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>4. Tax Benefits\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Ca href=\\\"https://www.shriramlife.com/blog/premier-assured-benefit/key-features-of-shriram-life-savings-plans\\\">\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">Life insurance savings plans features are many\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">, and the one that provides the most advantage is tax. One should thoroughly learn about the tax benefits that the plan gives. These could be tax-free withdrawals or even tax exemptions once the tax matures. This can positively affect the way we manage our finances and ensure that we spend our money only on aspects that are of top priority.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>5. Coverage and Riders\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">While getting life insurance coverage, do a thorough study on the policy and its offers. These are called the rider benefits that enable one to alter the plan if required, based on their needs and goals. \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/blog/premier-assured-benefit/exploring-rider-protection-options-in-life-insurance\\\">\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Rider benefits vary from one policy to another\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">, therefore compare and analyze how the points presented in the policy can actually help you achieve your financial goals. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>6. Policy Term and Maturity Benefits\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Ca href=\\\"https://www.shriramlife.com/blog/others/comprehensive-guide-to-choose-the-right-life-insurance\\\">\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Choosing the right features in life insurance\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\"> requires that one examine the policy term and maturity benefits thoroughly. Some plans provide the flexibility to choose the duration for the policy the way we want, and others may not necessarily provide that benefit. Therefore, it is essential to see whether the plan you opt for has that flexibility that you seek.\u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Features of Insurance Savings Plan: A Detailed Breakdown\u003C/strong>\u003C/span>\u003C/h2>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>1. Cash Value Accumulation\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Savings plans generally provide a lot of cash over a period of time. This value is nothing but the savings component that is provided in the policy. It can be accessed through withdrawals and loans, and thereby serves as a financial net during times of emergencies.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>2. Death Benefits\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">Death benefits are offered in the savings plan. If the policyholder dies during the policy tenure, then their beneficiaries are suitable for receiving financial benefits. This benefit is a predetermined sum that helps the family financially. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>3. Bonus Declarations\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">While not all plans have this feature, some plans come with a bonus. Based on the performance of the company, the insurer gives money to the policyholder. This enhances the sum assured that is to be given to the policyholder. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>4. Surrender Value\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">Surrender value is the money available to the policyholder when they surrender the policy before its time of maturity. Those plans which have a high surrender value will result in high benefits. It also offers more flexibility and cash liquidity. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>5. Free-look period\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">A free-look period is a time duration of 15 days during which if the policyholder is not happy with the policy and is looking to change it, they can do so after issuance.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>6. Grace Period\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">If the insurer is unable to pay the premium within the prescribed date, then they can do so within the grace period which is for 30 days. For monthly payouts, they can make use of the same within 15 days during which the policy does not get lapsed.\u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Conclusion\u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Choosing the right life insurance savings plan features require proper research, \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/blog/others/life-insurance-in-comprehensive-financial-planning\\\">\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">planning and consideration of the financial goals\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\"> that an individual has. Some of the important points to consider here are risk tolerance, and future needs. It's essential that one thoroughly evaluates and compares different plans, and then focus on those features that align with the objectives of the individual. A well-structured life insurance savings plan not only provides financial security but also serves as a tool for savings and wealth accumulation.\u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">Investing time in understanding the nuances of these features ensures that you make an informed decision, setting a solid foundation for a secure financial future. Among all the key considerations for selecting a savings plan it is important to remember that the plan is meant not only to safeguard but also empower you to achieve your financial aspirations.\u003C/span>\u003C/p>\",\"category\":\"/blog/others\"},{\"title\":\"Securing Your Future: The Crucial Role of Life Insurance in Comprehensive Financial Planning\",\"heading\":\"Securing Your Future: The Crucial Role of Life Insurance in Comprehensive Financial Planning\",\"short_description\":\"\u003Cp>In the intricate tapestry of financial planning, individuals strive to weave a future that is both secure and prosperous.\u003C/p>\",\"tile_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-06/14%20-%20Securing%20Your%20Future_%20The%20Importance%20of%20Life%20Insurance%20in%20Financial%20Planning_0.webp?VersionId=.Mee3BUdkJvQphlMj59rvXjV9Abv4INe\",\"alt\":\"Securing future with Life insurance\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"posted_on\":\"2024-06-27T10:06:16\",\"updated_on\":\"2024-06-27T10:57:30\",\"read_more_title\":\"Know More\",\"slug\":\"/life-insurance-in-comprehensive-financial-planning\",\"field_bl_tag\":\"\u003Ca href=\\\"/blog/guides/popular\\\" hreflang=\\\"en\\\">Popular\u003C/a>, \u003Ca href=\\\"/blog/guides/savings\\\" hreflang=\\\"en\\\">Savings\u003C/a>, \u003Ca href=\\\"/blog/guides/retirement\\\" hreflang=\\\"en\\\">Retirement\u003C/a>, \u003Ca href=\\\"/blog/guides/child\\\" hreflang=\\\"en\\\">Child\u003C/a>\",\"description\":\"\u003Cp>In the intricate tapestry of financial planning, individuals strive to weave a future that is both secure and prosperous. At the core of this endeavor lies a powerful and versatile tool: life insurance. This blog delves into the importance of life insurance in the realm of financial planning, emphasizing its pivotal role in ensuring \u003Ca href=\\\"https://www.shriramlife.com/blog/early-cash-plan/securing-your-future-the-benefits-of-the-early-cash-plan\\\" target=\\\"_blank\\\">future financial security\u003C/a>, particularly for families.\u003C/p>\u003Cp>From addressing immediate protection needs to contributing to long-term financial stability and retirement planning, life insurance proves to be an indispensable component of a well-rounded financial strategy.\u003C/p>\u003Ch2>\u003Cstrong>Financial Planning: A Strategic Journey\u003C/strong>\u003C/h2>\u003Cp>Financial planning is a strategic journey that individuals undertake to achieve specific life goals and secure their financial future. It involves a meticulous assessment of current financial status, the setting of realistic objectives, and the implementation of a well-thought-out strategy.\u003C/p>\u003Cp>At the heart of this strategy lies the importance of life insurance, a financial instrument that transcends its traditional role as a protective measure.\u003C/p>\u003Cp>Life insurance is not merely a policy; it is a dynamic element that adapts to the changing needs and goals of individuals and families. Understanding its multifaceted benefits is key to crafting a resilient and adaptable financial plan.\u003C/p>\u003Ch2>\u003Cstrong>Importance of Life Insurance: A Shield for Future Financial Security\u003C/strong>\u003C/h2>\u003Cp>The primary role of life insurance is to act as a shield, providing a safety net for loved ones in the face of life's uncertainties. The importance of life insurance becomes particularly evident when considering future financial security. In the event of the policyholder's demise, life insurance ensures that dependents are not only emotionally supported but also financially secure.\u003C/p>\u003Cp>\u003Ca href=\\\"https://www.shriramlife.com/blog/early-cash-plan/why-does-every-family-need-a-life-insurance-savings-plan\\\" target=\\\"_blank\\\">Life insurance for families\u003C/a> goes beyond the emotional reassurance it provides. It becomes a tailored solution that covers specific needs, from educational expenses to outstanding debts and mortgage payments. This aspect of life insurance is instrumental in maintaining a family's lifestyle and ensuring that they can navigate the financial challenges that accompany loss.\u003C/p>\u003Ch2>\u003Cstrong>Retirement Planning with Insurance: A Crucial Component\u003C/strong>\u003C/h2>\u003Cp>As individuals plan for their future, retirement often takes center stage. \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/retirement-plan\\\" target=\\\"_blank\\\">Retirement planning with insurance\u003C/a> introduces a crucial component that enhances financial independence during the post-working years. Annuities, a form of life insurance, offer a guaranteed income stream, providing a reliable source of funds that complements other retirement savings.\u003C/p>\u003Cp>The cash value component of permanent life insurance further contributes to retirement planning. It can be strategically leveraged to supplement retirement income or serve as an emergency fund. The adaptability of life insurance products ensures a diversified retirement portfolio, reinforcing the long-term financial stability individuals seek during their golden years.\u003C/p>\u003Ch3>\u003Cstrong>Life Insurance for Families: Tailoring Protection to Specific Needs\u003C/strong>\u003C/h3>\u003Cp>Families are the bedrock of our lives and securing their well-being is a top priority. Life insurance for families is not a one-size-fits-all solution; it is a customizable tool that addresses specific needs.\u003C/p>\u003Cp>From \u003Ca href=\\\"https://www.shriramlife.com/blog/others/term-life-insurance\\\" target=\\\"_blank\\\">term life insurance\u003C/a> providing cost-effective coverage during critical years to whole life or permanent life insurance offering protection and wealth-building components, families can tailor their life insurance to suit their unique circumstances.\u003C/p>\u003Cp>Beyond immediate needs, life insurance facilitates legacy planning, allowing individuals to pass down their wealth to future generations in a tax-efficient manner. By structuring beneficiaries and distribution plans, policyholders can create a lasting financial legacy that extends beyond their lifetime.\u003C/p>\u003Ch3>\u003Cstrong>Long-Term Financial Stability: Building Wealth and Leaving a Legacy\u003C/strong>\u003C/h3>\u003Cp>Life insurance plays a pivotal role in contributing to long-term financial stability. Whole life and permanent life insurance policies accumulate a cash value over time, creating a financial asset that policyholders can access or borrow against. This \u003Ca href=\\\"https://www.shriramlife.com/blog/golden-premier-saver-plan/best-insurance-plans-with-increased-liquidity-over-lifetime\\\" target=\\\"_blank\\\">cash value component offers liquidity\u003C/a> and flexibility, contributing to a more robust and diversified financial portfolio.\u003C/p>\u003Cp>The importance of life insurance in legacy planning cannot be overstated. By strategically designating beneficiaries and outlining how the death benefit is distributed, individuals can ensure that their wealth is passed down efficiently. This approach aligns with the broader goals of long-term financial planning and wealth preservation.\u003C/p>\u003Ch3>\u003Cstrong>Adaptability for Changing Needs\u003C/strong>\u003C/h3>\u003Cp>One of the key strengths of \u003Ca href=\\\"https://www.shriramlife.com/blog/super-income-plan/financial-freedom-starts-with-shriram-life-super-income-plan\\\" target=\\\"_blank\\\">life insurance in financial planning\u003C/a> is its adaptability. As life circumstances change, insurance policies can be adjusted to meet evolving needs. For instance, a young professional may opt for term life insurance for cost-effective coverage, while someone shifting focus towards building wealth and leaving a legacy may transition to permanent life insurance products.\u003C/p>\u003Cp>This adaptability ensures that life insurance remains a dynamic and relevant tool throughout different life stages, aligning with the evolving priorities and goals of individuals and families.\u003C/p>\u003Ch3>\u003Cstrong>Life Insurance for Everybody\u003C/strong>\u003C/h3>\u003Cp>In conclusion, life insurance emerges as a linchpin in the landscape of comprehensive financial planning, offering a dynamic and multifaceted solution. Its importance extends beyond immediate protection needs, encompassing retirement planning, long-term financial stability, and legacy building. Life insurance isn't a mere policy; it is a commitment to securing a future that is both stable and prosperous.\u003C/p>\u003Cp>As individuals embark on their financial journey, recognizing the importance of life insurance becomes paramount. It plays a strategic role in not only safeguarding the financial well-being of loved ones but also in building a legacy that transcends generations. Life insurance is the thread that weaves together the fabric of financial security, ensuring that the tapestry of our future is resilient, adaptable, and prosperous.\u003C/p>\u003Cp>At Shriram Life Insurance, our unwavering commitment revolves around crafting \u003Ca href=\\\"https://www.shriramlife.com/life-insurance\\\" target=\\\"_blank\\\">life insurance products\u003C/a> that go beyond mere financial protection – we aim to create comprehensive solutions that truly enhance the lives of our policyholders. It is these powerful life insurance products that enable families to continue having total financial protection in the wake of an unfortunate event while allowing wealth to build up over time.\u003C/p>\u003Cp>Shriram Life Insurance priorities clear communication and transparency ensuring that policyholders can grasp policy terms and tailor a policy that best fits their financial needs and their financial goals for the future.\u003C/p>\u003Cp>Shriram Life Insurance remains dedicated to empowering individuals and families with \u003Ca href=\\\"https://www.shriramlife.com/calculators\\\" target=\\\"_blank\\\">financial planning tools\u003C/a> that not only protect but also propel them towards their aspirations, ensuring peace of mind and a resilient financial foundation for generations to come.\u003C/p>\u003Cp>Get in touch with us and explore the various financial planning instruments that we have on offer!\u003C/p>\u003Cp> \u003C/p>\u003Cp>\u003Cstrong>For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale.\u003C/strong>\u003C/p>\u003Cp>IRDAI Regn No: 128\u003C/p>\u003Cp>CIN No.. of the Company\u003C/p>\u003Cp>The Trade Logo displayed above belongs to Shriram Value Services Limited (“SVS”) and used by Shriram Life Insurance Company Limited under a License agreement.”\u003C/p>\u003Cp>\u003Cstrong>BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS/FRADULENT OFFERS\u003C/strong>\u003C/p>\u003Cp>IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.\u003C/p>\",\"category\":\"/blog/others\"},{\"title\":\"Choosing the Right Life Insurance: A Comprehensive Guide\",\"heading\":\"Choosing the Right Life Insurance: A Comprehensive Guide\",\"short_description\":\"\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Selecting the right life insurance that is custom made for you and your family is no easy matter.\u003C/span>\u003C/p>\",\"tile_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-06/Choosing%20the%20Right%20Life%20Insurance%20A%20Comprehensive%20Guide_0.png?VersionId=HReDUs_O5CzsJBhb1PDJTzAydQEHpQ6C\",\"alt\":\"Guide to Choose the Right Life Insurance\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"posted_on\":\"2024-06-27T05:40:07\",\"updated_on\":\"2024-06-27T12:02:22\",\"read_more_title\":\"Know More\",\"slug\":\"/comprehensive-guide-to-choose-the-right-life-insurance\",\"field_bl_tag\":\"\u003Ca href=\\\"/blog/guides/savings\\\" hreflang=\\\"en\\\">Savings\u003C/a>, \u003Ca href=\\\"/blog/guides/popular\\\" hreflang=\\\"en\\\">Popular\u003C/a>\",\"description\":\"\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Selecting the right life insurance that is custom made for you and your family is no easy matter. It is an important decision that requires careful consideration and a thorough understanding of your current financial goals and needs. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">With this comprehensive insurance guide, you will be able to understand the intricacies of life insurance selection easily. We aim to provide you with insurance comparison tips, valuable insider insights and give you well-thought out policy selection criteria that will help you make informed policy choices. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Perhaps this is your very first experience of life insurance selection. Or perhaps, you have purchased life insurance policies before and are looking to reassess your existing life insurance plans. Either way, this comprehensive insurance guide from Shriram Life Insurance will give you everything that you need to make the process of life insurance selection an easier process. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Simplifying the Insurance Market \u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Before deep diving into the nitty-gritty of life insurance selection, it is a good idea to get a quick overview of the current life insurance market. This will help you make a smart and informed decision regarding various \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/life-insurance\\\">\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">life insurance plans\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\"> based on your own unique requirements. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Life insurance plans come in various forms, each catering to a segment of people with specific goals and needs. Here’s a quick overview of the various types of life insurance plans.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Term Life Insurance\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Ca href=\\\"https://www.shriramlife.com/blog/others/everything-you-must-know-about-term-insurance-plan\\\">\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Term Life Insurance plan\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\"> is perhaps the simplest and straightforward life insurance plan to exist in the market. It is made for policyholders who are seeking affordable coverage for a specific period. This type of life insurance plans provides death benefits alone without any accumulation of wealth.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Whole Life Insurance \u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">This type of life insurance plan provides the policyholder with lifelong coverage. It also has a cash value component that grows over time providing the policyholder with a wealth creation opportunity. So one of our insurance comparison tips is to understand your final goal. Are you looking for coverage alone or coverage with wealth creation? \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Universal Life Insurance \u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">When you are in the process of life insurance selection, you will come across Universal Life Insurance policies. These life insurance policies combine flexibility with lifelong coverage. They allow policyholders to adjust premium payments and death benefits according to their changing needs and requirements. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">Now that you have understood the major types of life insurance policies, it is important to factor these when it comes to your policy selection criteria. \u003C/span>\u003C/p>\u003Ch2>\u003Cspan>\u003Cstrong>Essential Factors for Insurance Selection:\u003C/strong>\u003C/span>\u003C/h2>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Insurance Comparison Tips\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">When navigating the insurance market and when faced with plenty of options, it is important to make effective comparisons that will help you decide on the policy that’s most suitable for your goals. With this comprehensive insurance guide, you can now learn insider insurance comparison tips and make your process of finding a life insurance policy for yourself an easy task.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Evaluate your requirements \u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Before venturing into the insurance market to a buy a policy, conduct a thorough \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/blog/others/tips-buying-life-insurance-plan\\\">\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">assessment of your specific needs and financial goals\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">. Factor in your current debts, future expenses and the financial well-being of your family. Remember, the best insurance policy is the policy that suits your unique goals. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Compare Premiums and Coverage\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">While most people looking to finalize a life insurance policy look at affordable premiums, it is important to remember to take into account the actual coverage offered. Cost is a critical factor no doubt, but do not make it the sole factor in your policy selection criteria. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Know Policy Terms \u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">While it might be a tad bit difficult to go through the policy terms and conditions in detail, do remember that this comprehensive insurance guide urges you to scrutinize the terms of every policy that you are considering in detail. Pay extra attention to exclusions, limitations and factor in additional features that may be provided. When you focus on the details, the process of life insurance selection will be easier for you. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Understand Cash Value Components\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">For those life insurance plans that offer a cash value component, it is imperative that you understand fully well how the cash component works. You must also evaluate the growth potential of this feature and understand how it will help you grow your wealth. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Focus on Company Credibility\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Give company reputation a top spot in your policy selection criteria. Spend time researching and assessing the companies in your shortlist. Pick a company with a strong financial standing and positive reviews. Consider going through testimonials from existing policyholders.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">Now, it is time to understand how to make an informed choice based on the information provided.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Policy Selection Criteria:\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">In order to make a complete assessment of the life insurance plan of your choice and your own financial needs and goals, it is important to draft your policy selection criteria. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">\u003Cstrong>Coverage Amount \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Ascertain the coverage amount that will work for you based on your financial goals and future needs. Take into consideration loans, future expenses, education costs and more. Choose a coverage amount that provides a sage financial net for your loved ones.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Duration of Policy \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">While analyzing life insurance plans, keep in mind to select a policy that aligns with your specific needs. \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/blog/others/term-insurance-plan-and-how-choose-the-best-one\\\">\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">Pick term life insurance\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\"> if you are looking at a shorter duration. If you seek lifelong coverage opt for whole life insurance. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">\u003Cstrong>Premium Affordability \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Ca href=\\\"https://www.shriramlife.com/blog/others/choose-suitable-life-insurance-plan-not-cheapest\\\">\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Evaluate your budget and choose a premium\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\"> that suits your financial situation over the long term. Be mindful of potential premium increases for adjustable policies. The affordability of premiums is important to maintaining the life insurance policy over time. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Additional Riders \u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Riders provide extra coverage or additional benefits that will enhance your financial protection. If you are looking for specific riders make sure that the life insurance policy you choose offers you the choice of opting for that specific rider. Common riders include critical illness rider, disability rider and accidental death rider. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Conversion Options\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">In case you are opting for a term insurance for the time being and are open to a permanent policy later on, ensure that your policy has the option to convert to a whole life policy at any stage. This can be very useful as you can base your financial decisions on your evolving needs.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Are you ready to buy your policy?\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">With our comprehensive insurance guide, you are now at a great place to start exploring various life insurance plans. Keep in mind that \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/blog/others/mistakes-to-avoid-when-buying-online-life-insurance-policy\\\">\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">choosing the right insurance plan\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\"> is a nuanced and multi-layered process that requires your time and effort. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">This comprehensive insurance guide has provided you with valuable insights into the landscape of life insurance, insurance comparison tips and policy selection criteria. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Life insurance is not a one-size-fits-all solution but with proper information you can pick a policy that ensures a secure and financially sound future. To know more about Shriram Life Insurance Policies, do connect with us. We will be happy to guide you better on choosing the plan that works for you.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cstrong>For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale.\u003C/strong>\u003C/p>\u003Cp>IRDAI Regn No: 128\u003C/p>\u003Cp>CIN No.. of the Company\u003C/p>\u003Cp>The Trade Logo displayed above belongs to Shriram Value Services Limited (“SVS”) and used by Shriram Life Insurance Company Limited under a License agreement.”\u003C/p>\u003Cp>\u003Cstrong>BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS/FRADULENT OFFERS\u003C/strong>\u003C/p>\u003Cp>IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.\u003C/p>\",\"category\":\"/blog/others\"}],\"blog_count\":[{\"count\":66,\"counts\":66}],\"nothing\":\"all\",\"nothing_1\":317}]","http://127.0.0.1:4000/api/v1/tagged-blogs/317/all":"[{\"category\":[{\"id\":1781,\"name\":\"Super Income Plan\"},{\"id\":1782,\"name\":\"Others\"},{\"id\":1930,\"name\":\"Child Plan\"},{\"id\":1979,\"name\":\"Early Cash Plan\"},{\"id\":1982,\"name\":\"Assured Income Plan\"},{\"id\":1984,\"name\":\"Golden Premier Saver Plan\"},{\"id\":1985,\"name\":\"Premier Assured Benefit\"}],\"blogs\":[{\"title\":\"3 Scenarios where Premier Assured Benefit can support your family\",\"heading\":\"3 Scenarios where Premier Assured Benefit can support your family\",\"short_description\":\"\u003Cp>In the realm of financial planning, ensuring the well-being and security of one's family stands as a paramount objective.\u003C/p>\",\"tile_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-07/5.%203%20Scenarios%20where%20Premier%20Assured%20Benefit%20can%20support%20your%20family_0.png?VersionId=Rv8gvA2RvblXiXlDJ46dgx1rfO7zXeRE\",\"alt\":\"Instances PAB supports your family\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"posted_on\":\"2024-07-05T16:55:44\",\"updated_on\":false,\"read_more_title\":\"Know More\",\"slug\":\"/scenarios-where-premier-assured-benefit-can-support-your-family\",\"field_bl_tag\":\"\u003Ca href=\\\"/blog/guides/popular\\\" hreflang=\\\"en\\\">Popular\u003C/a>, \u003Ca href=\\\"/blog/guides/savings\\\" hreflang=\\\"en\\\">Savings\u003C/a>\",\"description\":\"\u003Cp>In the realm of financial planning, ensuring the well-being and security of one's family stands as a paramount objective. \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan\\\" target=\\\"_blank\\\">Premier Assured Benefit Plan\u003C/a> (PAB), offered by Shriram Life Insurance, emerges as a versatile solution designed to support families across various life stages and financial milestones. With its unique blend of protection, savings, and investment opportunities, PAB stands ready to address a myriad of financial planning goals. In this article, we explore three scenarios where Premier Assured Benefit can serve as a cornerstone in supporting your family's financial needs, encompassing child education, retirement planning, and legacy wealth creation.\u003C/p>\u003Ch2>\u003Cstrong>Scenario 1: Funding Your Child's Education\u003C/strong>\u003C/h2>\u003Cp>One of the most significant financial responsibilities for any parent is ensuring their child's education. Premier Assured Benefit offers a tailored solution to address this critical goal by providing a combination of \u003Ca href=\\\"https://www.shriramlife.com/blog/others/comprehensive-guide-to-choose-the-right-life-insurance\\\" target=\\\"_blank\\\">comprehensive protection and long-term savings\u003C/a>. Here's how PAB can support your family in funding your child's education:\u003C/p>\u003Ch3>\u003Cstrong>Financial Protection:\u003C/strong>\u003C/h3>\u003Cp>In the unfortunate event of the policyholder's demise, Premier Assured Benefit ensures that the sum assured is paid out to the beneficiaries, providing a financial safety net for the family. This ensures that your child's education expenses are covered, even in your absence, allowing them to pursue their academic aspirations without financial constraints.\u003C/p>\u003Ch3>\u003Cstrong>Savings Component:\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit includes a \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/savings-plan-premium-components\\\" target=\\\"_blank\\\">savings component\u003C/a>, allowing policyholders to accumulate wealth over the policy term. By systematically investing in the plan, parents can build a corpus that can be utilized to fund their child's education expenses. Whether it's tuition fees, books, or extracurricular activities, the savings accumulated through PAB can serve as a valuable resource in meeting educational costs.\u003C/p>\u003Ch3>\u003Cstrong>Tax Benefits:\u003C/strong>\u003C/h3>\u003Cp>Additionally, Premier Assured Benefit offers attractive tax benefits, allowing parents to save on taxes while building wealth for their child's education. The premiums paid towards the policy are eligible for tax deductions under Section 80C of the Income Tax Act, providing parents with valuable tax savings. Moreover, the maturity proceeds, and death benefits received under the policy are generally tax-free under Section 10(10D), ensuring tax-efficient wealth accumulation.\u003C/p>\u003Ch2>\u003Cstrong>Scenario 2: Planning for Retirement\u003C/strong>\u003C/h2>\u003Cp>As individuals progress through their careers, \u003Ca href=\\\"https://www.shriramlife.com/blog/others/life-insurance-in-comprehensive-financial-planning\\\" target=\\\"_blank\\\">planning for retirement\u003C/a> becomes increasingly important to ensure a comfortable and financially secure future. Premier Assured Benefit offers a strategic solution to support retirement planning, providing a combination of financial protection and long-term savings. Here's how PAB can support your family in planning for retirement:\u003C/p>\u003Ch3>\u003Cstrong>Retirement Income:\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit offers flexible payout options, allowing policyholders to choose between lump-sum payments or regular income streams during retirement. By opting for regular income payments, individuals can create a steady source of income to support their lifestyle expenses during retirement, ensuring financial security and peace of mind.\u003C/p>\u003Ch3>\u003Cstrong>Wealth Accumulation:\u003C/strong>\u003C/h3>\u003Cp>The savings component of Premier Assured Benefit enables individuals to accumulate wealth over the policy term, providing an asset for retirement. By systematically investing in the plan, individuals can build a substantial corpus that can be utilized to supplement their retirement income, meet healthcare expenses, or pursue leisure activities during their golden years.\u003C/p>\u003Ch3>\u003Cstrong>Estate Planning:\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit can also be leveraged as a \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/savings-plan-calculator\\\" target=\\\"_blank\\\">tool for estate planning\u003C/a>, allowing individuals to pass on their wealth to their heirs in a tax-efficient manner. By nominating beneficiaries under the policy, individuals can ensure a smooth transfer of assets and provide financial security to their loved ones even after their demise. This estate planning feature adds an additional layer of versatility to Premier Assured Benefit, making it a comprehensive solution for \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/retirement-plan-calculator\\\" target=\\\"_blank\\\">retirement planning\u003C/a>.\u003C/p>\u003Ch2>\u003Cstrong>Scenario 3: Legacy Wealth Creation\u003C/strong>\u003C/h2>\u003Cp>Beyond meeting immediate financial needs, Premier Assured Benefit offers a unique opportunity for individuals to create a legacy for future generations. Whether it's leaving an inheritance for children and grandchildren or supporting charitable causes, PAB can serve as a powerful tool for legacy wealth creation. Here's how PAB can support your family in creating a legacy:\u003C/p>\u003Ch3>\u003Cstrong>Wealth Preservation:\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit ensures that the accumulated wealth is preserved over time, protecting it from market fluctuations and economic uncertainties. This wealth preservation feature ensures that individuals can pass on their assets intact to their beneficiaries, providing financial security and stability for future generations.\u003C/p>\u003Ch3>\u003Cstrong>Estate Equalization:\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit can be used to equalize inheritances among beneficiaries, ensuring fair and equitable distribution of assets. By nominating beneficiaries and specifying the sum assured, individuals can allocate their assets in a manner that reflects their wishes and values, fostering harmony and unity within the family.\u003C/p>\u003Ch3>\u003Cstrong>Charitable Giving:\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit can also be used to support charitable causes and organizations that are meaningful to the policyholder. By designating a portion of the sum assured to charity, individuals can leave a positive impact on society and contribute to causes that align with their values and beliefs.\u003C/p>\u003Ch3>\u003Cstrong>Conclusion: Securing Your Family's Future with Premier Assured Benefit\u003C/strong>\u003C/h3>\u003Cp>In conclusion, Premier Assured Benefit from Shriram Life Insurance emerges as a versatile financial tool designed to support families across various life stages and financial milestones. Whether it's funding your child's education, planning for retirement, or creating a legacy, PAB offers a tailored solution that addresses your unique financial needs and aspirations. With its combination of comprehensive protection, long-term savings, and tax benefits, Premier Assured Benefit empowers individuals to secure their family's future with confidence and peace of mind.\u003C/p>\u003Cp>Furthermore, opting for flexible plans such as Premier Assured Benefit not only provides financial security but also instils a sense of confidence and peace of mind, knowing that your family's future is safeguarded against life's uncertainties. With its flexible payout options, tax benefits, and wealth accumulation opportunities, this plan offers a holistic approach to financial planning, allowing individuals to navigate life's transitions with ease. Whether it's protecting loved ones, building wealth, or leaving a legacy, Premier Assured Benefit serves as a beacon of stability and prosperity, guiding families towards a brighter and more secure future. By choosing a savings plan with insurance coverage such as the Premier Assured Benefit from Shriram Life Insurance, you're not just investing in an insurance policy – you're investing in your family's happiness, security, and prosperity for generations to come.\u003C/p>\",\"category\":\"/blog/premier-assured-benefit\"},{\"title\":\"Understanding coverage vs savings: the relationship between premium amounts and sum assured and why these matters in PAB\",\"heading\":\"Understanding coverage vs savings: the relationship between premium amounts and sum assured and why these matters in PAB\",\"short_description\":\"\u003Cp>In the intricate landscape of insurance planning, grasping the dynamics between coverage and savings is fundamental for making sound financial deci\u003C/p>\",\"tile_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-07/4.%20Understanding%20coverage%20vs%20savings_%20the%20relationship%20betweem%20premium%20amounts%20and%20sum%20assured%20and%20why%20this%20matters%20in%20PAB_0.png?VersionId=VpTRnc1Iw61PiazmRY2CxtNkP09gojRG\",\"alt\":\"Saving components of Premier Assured Benefits plan\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"posted_on\":\"2024-07-04T10:39:25\",\"updated_on\":false,\"read_more_title\":\"Know More\",\"slug\":\"/relationship-between-premium-amounts-and-sum-assured-and-why-these-matters-in-pab\",\"field_bl_tag\":\"\u003Ca href=\\\"/blog/guides/popular\\\" hreflang=\\\"en\\\">Popular\u003C/a>, \u003Ca href=\\\"/blog/guides/savings\\\" hreflang=\\\"en\\\">Savings\u003C/a>\",\"description\":\"\u003Cp>In the intricate landscape of insurance planning, grasping the dynamics between coverage and savings is fundamental for making sound financial decisions. \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan\\\" target=\\\"_blank\\\">Premier Assured Benefit\u003C/a> (PAB), an innovative offering from Shriram Life Insurance, epitomizes this delicate balance by integrating comprehensive protection with wealth accumulation opportunities. Central to understanding PAB is unravelling the relationship between premium amounts and sum assured – two pivotal \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan-premium-components\\\" target=\\\"_blank\\\">components that dictate the efficacy of the policy\u003C/a>. In this article, we embark on a journey to demystify this relationship, exploring why it matters and how it shapes the landscape of insurance planning, particularly within the realm of PAB.\u003C/p>\u003Ch2>\u003Cstrong>Unveiling the Basics: Coverage vs Savings\u003C/strong>\u003C/h2>\u003Cp>At its core, insurance serves a dual purpose: providing financial protection against unforeseen events and facilitating \u003Ca href=\\\"https://www.shriramlife.com/blog/others/life-insurance-in-comprehensive-financial-planning\\\" target=\\\"_blank\\\">savings for future needs\u003C/a>. Coverage, often referred to as the sum assured or death benefit, represents the amount payable to the policyholder's beneficiaries in the event of the insured individual's demise. On the other hand, savings refer to the portion of the premium allocated towards building a corpus over time, offering individuals an avenue for wealth accumulation. Understanding the intricate interplay between these two aspects is essential for optimizing the benefits of an insurance policy and aligning it with one's financial goals.\u003C/p>\u003Ch2>\u003Cstrong>The Nexus of Premium Amounts and Sum Assured\u003C/strong>\u003C/h2>\u003Cp>The relationship between premium amounts and sum assured forms the cornerstone of insurance planning, influencing the level of \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan-coverage\\\" target=\\\"_blank\\\">coverages and savings\u003C/a> provided by the policy. To comprehend this relationship fully, it's essential to delve into the key components involved and how they interact:\u003C/p>\u003Ch3>\u003Cstrong>1. Premium Amounts:\u003C/strong>\u003C/h3>\u003Cp>The premium amount represents the cost of insurance coverage and savings accumulation under the policy. It is determined based on various factors, including the insured individual's age, health condition, lifestyle habits, and desired level of coverage. The premium amount is divided into two components: one portion goes towards providing risk cover, while the other is allocated towards accumulating savings over the policy term.\u003C/p>\u003Ch3>\u003Cstrong>2. Risk Cover:\u003C/strong>\u003C/h3>\u003Cp>The portion of the premium allocated towards risk cover, also known as mortality charges, is used to mitigate the insurer's risk of having to pay out the sum assured in the event of the insured individual's demise. Mortality charges are calculated based on actuarial principles, considering factors such as the insured individual's age, gender, health status, and life expectancy. The risk cover ensures that the sum assured is available to the policyholder's beneficiaries in case of an unfortunate event.\u003C/p>\u003Ch3>\u003Cstrong>3. Sum Assured:\u003C/strong>\u003C/h3>\u003Cp>The sum assured represents the guaranteed amount payable to the policyholder's beneficiaries upon the insured individual's demise. It serves as the cornerstone of the policy's financial protection component, providing a safety net for the insured individual's loved ones in times of need. The sum assured is determined based on various factors, including the insured individual's income, financial obligations, outstanding debts, and desired standard of living for their beneficiaries.\u003C/p>\u003Ch3>\u003Cstrong>4. Fund Allocation\u003C/strong>:\u003C/h3>\u003Cp>The remaining portion of the premium, after deducting mortality charges for risk cover, is allocated towards building a savings corpus over the policy term. This portion of the premium is invested in various savings instruments, such as bonds, equities, or money market funds, to generate returns over time. The fund allocation strategy is determined based on factors such as the policyholder's risk tolerance, investment horizon, and financial objectives.\u003C/p>\u003Ch2>\u003Cstrong>Deciphering the Mechanism in Premier Assured Benefit\u003C/strong>\u003C/h2>\u003Cp>In Premier Assured Benefit, the relationship between premium amounts and sum assured is intricately woven into the fabric of the policy, shaping its efficacy and value proposition for policyholders. Understanding how the paid premium is split up and allocated towards providing risk cover and accumulating savings over the long term is crucial for \u003Ca href=\\\"https://www.shriramlife.com/blog/early-cash-plan/maximizing-returns-understanding-the-savings-component-of-early-cash-plan\\\" target=\\\"_blank\\\">maximizing the benefits of the policy\u003C/a>. Here's a closer look at the mechanism:\u003C/p>\u003Ch3>\u003Cstrong>1. Optimal Risk Cover:\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit ensures that the \u003Ca href=\\\"https://www.shriramlife.com/blog/premier-assured-benefit/maximizing-benefits-with-flexible-premium-payment\\\">premium amount is optimally allocated\u003C/a> towards providing adequate risk cover to the insured individual. By accurately assessing the insured individual's risk profile and mortality risk, the policy ensures that the sum assured is available to provide financial protection to the insured individual's beneficiaries in case of an unfortunate event. This optimal risk cover mechanism enhances the policy's effectiveness in safeguarding the insured individual's loved ones against financial uncertainties.\u003C/p>\u003Ch3>\u003Cstrong>2. Strategic Fund Allocation:\u003C/strong>\u003C/h3>\u003Cp>In Premier Assured Benefit, the remaining portion of the premium, after deducting mortality charges for risk cover, is strategically allocated towards building a savings corpus over the policy term. The fund allocation strategy is designed to generate optimal returns while balancing risk and liquidity considerations. By investing in a diversified portfolio of assets, the policy aims to maximize returns and ensure long-term wealth accumulation for the policyholder.\u003C/p>\u003Ch3>\u003Cstrong>3. Wealth Accumulation Opportunities:\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit offers policyholders the opportunity to accumulate wealth over the long term through systematic savings and investment. By leveraging the power of compounding returns and disciplined investment strategies, policyholders can build a substantial corpus that can be utilized to meet various financial goals, such as retirement planning, education funding, or wealth preservation. This wealth accumulation feature adds significant value to the policy, providing policyholders with a reliable avenue for achieving their long-term financial objectives.\u003C/p>\u003Ch2>\u003Cstrong>Why It Matters in Premier Assured Benefit\u003C/strong>\u003C/h2>\u003Cp>The relationship between premium amounts and sum assured in Premier Assured Benefit holds profound implications for policyholders' financial security and wealth accumulation. By understanding how premium amounts are split up and allocated towards providing risk cover and accumulating savings, policyholders can make informed decisions about their insurance planning and optimize the benefits of the policy. Here's why this relationship matters:\u003C/p>\u003Ch3>\u003Cstrong>Enhanced Financial Protection:\u003C/strong>\u003C/h3>\u003Cp>The optimal allocation of premium amounts towards risk cover ensures that policyholders receive adequate financial protection in case of an unfortunate event. This enhanced financial protection mechanism provides policyholders with peace of mind, knowing that their loved ones will be taken care of financially in times of need.\u003C/p>\u003Ch3>\u003Cstrong>Long-Term Wealth Accumulation:\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit offers policyholders the opportunity to build long-term wealth through systematic savings and investment. By allocating a portion of the premium towards accumulating savings over the policy term, policyholders can harness the power of compounding returns and disciplined investment strategies to build a substantial corpus for the future.\u003C/p>\u003Ch3>\u003Cstrong>Customized Financial Planning:\u003C/strong>\u003C/h3>\u003Cp>Understanding the relationship between premium amounts and sum assured empowers policyholders to plan according to their unique financial goals and objectives. By optimizing the allocation of premium amounts towards risk cover and savings accumulation, policyholders can align the policy with their specific needs and aspirations, thereby maximizing its value and effectiveness.\u003C/p>\u003Ch3>\u003Cstrong>Conclusion: Empowering Informed Decision-Making\u003C/strong>\u003C/h3>\u003Cp>In conclusion, understanding the relationship between premium amounts and sum assured is essential for navigating the landscape of insurance planning. By comprehending how premium amounts are split up and allocated towards providing risk cover and accumulating savings over the long term, policyholders can make informed decisions about their insurance planning and optimize the benefits of the policy. Whether it's enhancing financial protection, maximizing long-term wealth accumulation, or \u003Ca href=\\\"https://www.shriramlife.com/blog/others/life-insurance-in-comprehensive-financial-planning\\\" target=\\\"_blank\\\">customizing financial planning\u003C/a> according to specific goals and objectives, the relationship between premium amounts and sum assured in flexible savings plan such as Premier Assured Benefit offers a wealth of opportunities for policyholders to secure their financial future and achieve their aspirations.\u003C/p>\",\"category\":\"/blog/premier-assured-benefit\"},{\"title\":\"5 Reasons Why Premier Assured Benefit Scores Over Normal Life Insurance\",\"heading\":\"5 Reasons Why Premier Assured Benefit Scores Over Normal Life Insurance\",\"short_description\":\"\u003Cp>In the realm of financial planning, choosing the right insurance plan is crucial for safeguarding one's future and achieving long-term goals.\u003C/p>\",\"tile_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-07/3.%205%20Reasons%20why%20Premier%20Assured%20Benefit%20scores%20over%20normal%20life%20insurance_0.png?VersionId=2bpU7yRODvU9EwSpcSE8fYt6U2aoLXPl\",\"alt\":\"Premier Assured Benefit vs life insurance\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"posted_on\":\"2024-07-04T05:30:14\",\"updated_on\":false,\"read_more_title\":\"Know More\",\"slug\":\"/reasons-why-premier-assured-benefit-scores-over-normal-life-insurance\",\"field_bl_tag\":\"\u003Ca href=\\\"/blog/guides/savings\\\" hreflang=\\\"en\\\">Savings\u003C/a>, \u003Ca href=\\\"/blog/guides/popular\\\" hreflang=\\\"en\\\">Popular\u003C/a>\",\"description\":\"\u003Cp>In the realm of financial planning, choosing the right insurance plan is crucial for safeguarding one's future and achieving long-term goals. While traditional life insurance policies offer essential protection, they often lack the flexibility and savings components necessary to address evolving financial needs. Enter \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan\\\" target=\\\"_blank\\\">Premier Assured Benefit – a modern-day insurance solution\u003C/a> that not only provides comprehensive coverage but also offers unparalleled flexibility and savings opportunities. Let's explore five compelling reasons why Premier Assured Benefit stands head and shoulders above normal life insurance plans.\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>1. Flexibility in Premium Payments and Coverage Terms\u003C/strong>\u003C/span>\u003Cspan> \u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Unlike conventional life insurance policies that offer limited flexibility in premium payments and coverage terms, Premier Assured Benefit provides a wide range of options to suit individual preferences and financial situations. Policyholders have the \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/blog/premier-assured-benefit/maximizing-benefits-with-flexible-premium-payment\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">flexibility to choose from various premium payment terms\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">, including single premium, limited premium, or regular premium, allowing them to customize their payment schedule based on their cash flow and financial goals.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Additionally, Premier Assured Benefit offers flexibility in coverage terms, enabling policyholders to select the policy duration that best aligns with their needs and aspirations. Whether it's a short-term coverage for specific financial goals or a long-term plan to secure one's future, the flexibility offered by Premier Assured Benefit ensures that individuals can tailor the policy according to their unique circumstances.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>2. Comprehensive Coverage with Savings Component\u003C/strong>\u003C/span>\u003Cspan> \u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">While traditional life insurance policies primarily focus on providing death benefits, Premier Assured Benefit \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan-coverage\\\" target=\\\"_blank\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">offers a unique blend of comprehensive coverage\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\"> and savings component. In addition to the life cover, this plan allows policyholders to build a corpus over time through regular premium payments. The savings component of Premier Assured Benefit ensures that individuals can accumulate wealth while securing their family's financial future, making it a holistic solution for financial planning.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">By integrating protection with savings, Premier Assured Benefit addresses both short-term and long-term financial goals, providing individuals with peace of mind and financial security. Whether it's protecting loved ones in the event of an untimely demise or building wealth for retirement, Premier Assured Benefit offers a comprehensive solution that caters to diverse needs and aspirations.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>3. Guaranteed Returns and Maturity Benefits\u003C/strong>\u003C/span>\u003Cspan> \u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">One of the \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan-features-and-benefits\\\" target=\\\"_blank\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">key advantages of Premier Assured Benefit\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\"> over normal life insurance is its promise of guaranteed returns and maturity benefits. Unlike traditional policies where premiums are allocated towards providing a death benefit only, Premier Assured Benefit ensures that policyholders receive a predetermined sum assured along with accrued bonuses upon maturity of the policy. These guaranteed returns provide individuals with a sense of security and stability, making it easier to plan for future expenses and financial milestones.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Moreover, the maturity benefits offered by Premier Assured Benefit can be utilized to fulfil various financial goals, such as purchasing a house, funding education, or supplementing retirement income. This flexibility in utilizing maturity benefits adds significant value to the plan, making it an attractive option for individuals looking to combine protection with savings and wealth accumulation.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>4. Enhanced Financial Planning with Flexibility in Payout Options\u003C/strong>\u003C/span>\u003Cspan> \u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Premier Assured Benefit offers enhanced financial planning capabilities through flexibility in payout options. Policyholders have the flexibility to choose from various payout options, including lump sum payments, regular income streams, or a combination of both, based on their financial preferences and requirements. This flexibility ensures that individuals can tailor the plan according to their unique circumstances and goals, providing greater control over their financial future.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Whether it's planning for retirement, funding children's education, or managing cash flow during emergencies, the flexibility offered by Premier Assured Benefit empowers individuals to meet their financial obligations and aspirations effectively. By providing customizable payout options, Premier Assured Benefit ensures that policyholders can adapt their financial strategy according to life's changing circumstances and evolving goals.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>5. Tax Benefits and Wealth Accumulation Opportunities\u003C/strong>\u003C/span>\u003Cspan> \u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Premier Assured Benefit offers attractive tax benefits, further enhancing its appeal as a \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/life-insurance/savings-plan\\\" target=\\\"_blank\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">comprehensive insurance and savings solution\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">. Premiums paid towards the policy are eligible for tax deductions under Section 80C of the Income Tax Act, providing individuals with an opportunity to reduce their tax liabilities while building wealth. Moreover, the maturity proceeds and death benefits received under the policy are generally tax-free under Section 10(10D) of the Income Tax Act, ensuring tax-efficient wealth accumulation and distribution.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Furthermore, Premier Assured Benefit can be leveraged as a tool for wealth accumulation and estate planning. By providing guaranteed returns and maturity benefits, the plan facilitates long-term wealth accumulation while ensuring financial security for loved ones. Additionally, the tax benefits associated with the plan make it an attractive option for individuals seeking to maximize their savings and optimize their tax liabilities.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>Conclusion: Elevate Your Financial Security with Premier Assured Benefit\u003C/strong>\u003C/span>\u003Cspan> \u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">In conclusion, Premier Assured Benefit offers a compelling alternative to traditional life insurance policies, providing a unique blend of flexibility, coverage, and savings opportunities. Whether you're a young professional starting your career, a family-oriented individual planning for the future, or a seasoned investor seeking to diversify your portfolio, \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/blog/premier-assured-benefit/exploring-rider-protection-options-in-life-insurance\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Premier Assured Benefit offers a tailored solution\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\"> to meet your financial needs and aspirations.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">By combining comprehensive coverage with a savings component, guaranteed returns, flexibility in payout options, and tax benefits, Premier Assured Benefit stands as a testament to Shriram Life Insurance's commitment to innovation and customer-centricity.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Moreover, the flexibility ingrained within Premier Assured Benefit extends beyond premium payments and coverage terms to encompass adaptable payout options tailored to suit evolving needs and circumstances. Whether policyholders opt for regular income streams to supplement monthly expenses or lump-sum payments to finance significant milestones, the plan provides the autonomy to align payouts with individual financial objectives. This level of flexibility empowers individuals to navigate life's transitions with ease, confidence in their ability to manage financial resources effectively.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">In essence, Premier Assured Benefit embodies a holistic approach to financial security, transcending the limitations of traditional life insurance to offer a multifaceted solution that evolves alongside policyholders' aspirations. With its unwavering commitment to innovation, customer empowerment, and financial well-being, Premier Assured Benefit epitomizes Shriram Life Insurance's dedication to delivering excellence in insurance products and services. We invite you to embark on a journey towards lasting financial prosperity and peace of mind – because your financial future deserves nothing less than the pinnacle of insurance excellence.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\",\"category\":\"/blog/premier-assured-benefit\"},{\"title\":\"Combine Protection with Planning: 3 reasons why Premier Assured Benefit is better than term insurance\",\"heading\":\"Combine Protection with Planning: 3 reasons why Premier Assured Benefit is better than term insurance\",\"short_description\":\"\u003Ch2>Discover the unique features of savings plans and compare benefits which regular term insurance does not typically offer (savings).\u003C/h2>\u003Cp>In the \u003C/p>\",\"tile_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-07/2.%20Combine%20Protection%20with%20Planning_%203%20reasons%20why%20Premier%20Assured%20Benefit%20is%20better%20than%20term%20insurance_0.png?VersionId=Cai6Sjfl0Gs.8q_t17txl.QtPz2nQiG1\",\"alt\":\"Premier Assured Benefit plan is better than Term Insurance\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"posted_on\":\"2024-07-03T10:42:13\",\"updated_on\":false,\"read_more_title\":\"Know More\",\"slug\":\"/reasons-why-premier-assured-benefit-is-better-than-term-insurance\",\"field_bl_tag\":\"\u003Ca href=\\\"/blog/guides/popular\\\" hreflang=\\\"en\\\">Popular\u003C/a>, \u003Ca href=\\\"/blog/guides/savings\\\" hreflang=\\\"en\\\">Savings\u003C/a>\",\"description\":\"\u003Ch2>Discover the unique features of savings plans and compare benefits which regular term insurance does not typically offer (savings).\u003C/h2>\u003Cp>In the realm of financial planning, striking a balance between protection from risk and wealth accumulation is paramount. While term insurance provides essential life cover, it does not address long-term savings goals. Shriram Life Insurance recognizes this need for comprehensive coverage coupled with wealth creation and offers the Premier Assured Benefit plan. This innovative savings plan not only provides robust protection but also offers unique features that set it apart from traditional term insurance policies. Let's delve into three compelling reasons why Savings plans such as the \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan\\\" target=\\\"_blank\\\">Premier Assured Benefit\u003C/a> offer benefits beyond term insurance for individuals seeking to combine protection with planning.\u003C/p>\u003Ch3>\u003Cstrong>1. Dual Benefits of Protection and Savings\u003C/strong>\u003C/h3>\u003Cp>Unlike conventional term insurance, which solely focuses on providing a death benefit to beneficiaries in the event of the policyholder's demise, Premier Assured Benefit offers a dual benefit of protection and savings. In addition to providing a life cover, this plan allows policyholders to build a corpus over time through regular premium payments. The savings \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan-premium-components\\\" target=\\\"_blank\\\">component of the plan\u003C/a> ensures that individuals can work towards achieving their long-term financial goals, such as purchasing a home, funding their child's education, or planning for retirement, while simultaneously securing their family's future.\u003C/p>\u003Cp>By integrating protection with savings, Premier Assured Benefit offers a holistic approach to financial planning, addressing both short-term and long-term financial needs. This unique feature distinguishes it from traditional term insurance policies, which do not provide any savings or investment component, leaving policyholders solely reliant on the death benefit for financial security.\u003C/p>\u003Ch3>\u003Cstrong>2. Guaranteed Returns and Maturity Benefits\u003C/strong>\u003C/h3>\u003Cp>One of the standouts \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan-features-and-benefits\\\" target=\\\"_blank\\\">features of Premier Assured Benefit\u003C/a> is its promise of guaranteed returns and maturity benefits. Unlike term insurance, where premiums are typically allocated towards providing a death benefit only, this savings plan ensures that policyholders receive a predetermined sum assured along with accrued bonuses upon maturity of the policy. These guaranteed returns provide individuals with a sense of security and predictability, making it easier to plan for future expenses and financial milestones.\u003C/p>\u003Cp>Moreover, the maturity benefits offered by Premier Assured Benefit can be utilized to fulfil various financial goals, such as purchasing a house, funding a child's wedding, or supplementing retirement income. This flexibility in utilizing maturity benefits adds significant value to the plan, making it an attractive option for individuals looking to combine protection with planning.\u003C/p>\u003Ch3>\u003Cstrong>3. Flexible Payout Options and Additional Riders\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit goes beyond traditional term insurance by offering flexible payout options and additional \u003Ca href=\\\"https://www.shriramlife.com/blog/premier-assured-benefit/exploring-rider-protection-options-in-life-insurance\\\" target=\\\"_blank\\\">riders to enhance coverage\u003C/a>. Policyholders have the flexibility to choose from various payout options, including lump sum payments, regular income streams, or a combination of both, based on their financial preferences and requirements. This flexibility ensures that individuals can tailor the plan according to their unique circumstances and goals, providing greater control over their financial future.\u003C/p>\u003Cp>Furthermore, Premier Assured Benefit offers a range of optional riders, such as accidental death benefit, critical illness rider, and disability rider, which can be added to the base plan for enhanced coverage. These riders provide additional financial protection against unforeseen events, ensuring comprehensive coverage for policyholders and their families.\u003C/p>\u003Cp>Certainly! Let's explore further into the \u003Ca href=\\\"https://www.shriramlife.com/blog/premier-assured-benefit/key-features-of-shriram-life-savings-plans\\\" target=\\\"_blank\\\">unique features of Premier Assured Benefit\u003C/a> and delve deeper into why it surpasses traditional term insurance, particularly in terms of savings and wealth accumulation.\u003C/p>\u003Ch3>\u003Cstrong>4. Wealth Accumulation through Bonuses and Compounding Returns\u003C/strong>\u003C/h3>\u003Cp>One of the key advantages of Premier Assured Benefit over term insurance lies in its ability to facilitate wealth accumulation through bonuses and compounding returns. Unlike term insurance, where premiums solely contribute towards providing a death benefit, the premiums paid towards Premier Assured Benefit are invested to generate returns over time. These returns are distributed in the form of bonuses, which are added to the policy's sum assured, thereby enhancing the overall corpus.\u003C/p>\u003Cp>By leveraging the power of compounding returns, Premier Assured Benefit allows policyholders to accumulate substantial wealth over the policy term. This wealth can serve as an asset in achieving long-term financial goals, such as retirement planning, wealth preservation, or legacy building. The ability to harness the potential of compounding returns sets Premier Assured Benefit apart from traditional term insurance, making it a preferred choice for individuals seeking to build wealth while ensuring financial protection.\u003C/p>\u003Ch3>\u003Cstrong>5. Flexibility in Premium Payment Terms and Coverage Period\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit offers greater, \u003Ca href=\\\"https://www.shriramlife.com/blog/premier-assured-benefit/maximizing-benefits-with-flexible-premium-payment\\\" target=\\\"_blank\\\">flexibility in premium payment terms\u003C/a> and coverage periods compared to traditional term insurance policies. Policyholders have the option to choose from a range of premium payment terms, allowing them to align their premium payments with their financial capabilities and goals. Whether it's opting for a single premium payment, limited premium payment, or regular premium payment, individuals can select the payment schedule that best suits their needs.\u003C/p>\u003Cp>Additionally, Premier Assured Benefit provides flexibility in the coverage period, allowing policyholders to tailor the policy duration according to their specific requirements. This flexibility ensures that individuals can customize the plan to align with their financial goals and life stage, whether it's providing protection during the working years, planning for retirement, or leaving a legacy for future generations.\u003C/p>\u003Ch3>\u003Cstrong>6. Tax Benefits and Estate Planning Opportunities\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit offers attractive tax benefits, further enhancing its appeal as a comprehensive savings and protection solution. Premiums paid towards the policy are eligible for tax deductions under Section 80C of the Income Tax Act, providing individuals with an opportunity to reduce their tax liabilities while building wealth. Moreover, the maturity proceeds, and death benefits received under the policy are generally tax-free under Section 10(10D) of the Income Tax Act, ensuring tax-efficient wealth accumulation and distribution.\u003C/p>\u003Cp>Furthermore, Premier Assured Benefit can be leveraged as a tool for estate planning, allowing individuals to pass on their wealth to their heirs in a tax-efficient manner. By nominating beneficiaries under the policy, individuals can ensure a smooth transfer of assets and provide financial security to their loved ones even after their demise. This estate planning feature adds an additional layer of versatility to Premier Assured Benefit, making it a comprehensive solution for individuals looking to protect and preserve their wealth for future generations.\u003C/p>\u003Ch3>\u003Cstrong>Conclusion: Secure Your Financial Future with Premier Assured Benefit\u003C/strong>\u003C/h3>\u003Cp>Premier Assured Benefit from Shriram Life Insurance stands as a testament to the company's commitment to innovation and customer-centricity. By offering a unique blend of protection, savings, and flexibility, this savings plan surpasses traditional term insurance in providing comprehensive coverage and wealth accumulation opportunities.\u003C/p>\u003Cp>Whether you're a young professional starting your career, a family-oriented individual planning for your loved ones' future, or a seasoned investor seeking to diversify your portfolio, Premier Assured Benefit offers a tailored solution to meet your financial needs and aspirations. So, if you're ready to take control of your financial future and embark on a journey towards prosperity, consider your ability to embark on a savings plan at the earliest. Your financial well-being deserves nothing but the best.\u003C/p>\",\"category\":\"/blog/premier-assured-benefit\"},{\"title\":\"Supercharge your Savings: Decide How you Want to Save with this Plan Using Flexible Payouts\",\"heading\":\"Supercharge your Savings: Decide How you Want to Save with this Plan Using Flexible Payouts\",\"short_description\":\"\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">In today's rapidly changing world, securing one's financial future has become more crucial than ever.\u003C/span>\u003C/p>\",\"tile_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-07/1.%20Supercharge%20your%20savings_%20decide%20how%20you%20want%20to%20save%20with%20this%20plan%20using%20flexible%20payouts_0.png?VersionId=hjPGhbMitDUxZ7OxYDng4GEXRXFTyM_.\",\"alt\":\"Flexible Payout Benefit\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"posted_on\":\"2024-07-03T05:41:11\",\"updated_on\":false,\"read_more_title\":\"Know More\",\"slug\":\"/how-you-want-to-save-with-this-plan-using-flexible-payouts\",\"field_bl_tag\":\"\u003Ca href=\\\"/blog/guides/savings\\\" hreflang=\\\"en\\\">Savings\u003C/a>, \u003Ca href=\\\"/blog/guides/popular\\\" hreflang=\\\"en\\\">Popular\u003C/a>\",\"description\":\"\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">In today's rapidly changing world, securing one's financial future has become more crucial than ever. With various investment options available, selecting the right plan that aligns with your goals and offers flexibility is paramount. Shriram Life Insurance understands the diverse needs of individuals and families when it comes to savings and offers a range of comprehensive savings plans with flexible payout options.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>Understanding the Importance of Savings\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Savings play a pivotal role in achieving financial stability and meeting long-term financial goals. Whether it's for education, retirement, emergencies, or legacy planning, having a robust savings plan is essential. However, the traditional approach of saving through fixed deposits or regular savings accounts may not always yield the desired results due to inflation and fluctuating market conditions. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>Introducing Shriram Life Insurance's Savings Plans\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Shriram Life Insurance stands out as a trusted partner in financial planning, offering a wide array of savings plans designed to cater to diverse needs and preferences. These plans not only provide financial protection but also offer the opportunity for wealth creation over time.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan>\u003Cstrong>1. \u003C/strong>\u003C/span>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>Comprehensive Coverage\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">One of the key aspects of Shriram Life Insurance's savings plans is the comprehensive coverage they provide. These plans offer life cover along with savings, ensuring that your loved ones are financially secure in case of any unfortunate event. This dual benefit makes these plans a prudent choice for individuals looking to safeguard their family's future while building wealth simultaneously.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>2. Flexible Payout Options\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">What sets Shriram Life Insurance apart is its emphasis on flexibility. The savings plans come with a range of payout options tailored to suit individual requirements. Whether you prefer regular income streams, lump sum payouts, or a combination of both, there's a plan to accommodate your preferences.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>Exploring the Savings Plans\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Let's delve into some of the standout savings plans offered by Shriram Life Insurance:\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>1. Shriram Life Assured Income Plan\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Ca href=\\\"https://www.shriramlife.com/life-insurance/assured-income-plan\\\" target=\\\"_blank\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Shriram Life Assured Income Plan\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\"> provides guaranteed annual payouts along with life cover, ensuring a steady income stream to fulfil your financial obligations and aspirations. With flexible premium payment options and the choice to receive payouts monthly, quarterly, half-yearly, or annually, it offers unparalleled flexibility.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>2. Shriram Life Premier Assured Benefit Plan\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Ca href=\\\"https://www.shriramlife.com/life-insurance/premier-assured-benefit-plan\\\" target=\\\"_blank\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Premier Assured Benefit Plan\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\"> focuses on secure investments with the potential for significant returns over time. With a choice of premium payment terms and the flexibility to receive maturity benefits as a lump sum or regular income, it caters to varying risk appetites and financial goals.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>3. Shriram Life Wealth Plus Plan\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">For those seeking to maximize wealth accumulation, the Wealth Plus Plan is an ideal choice. It offers market-linked returns along with life cover, providing the dual benefit of protection and wealth creation. The plan allows policyholders to choose between lump sum payouts or systematic withdrawal options based on their preferences and financial goals.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>The Benefits of Flexible Payouts\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">The flexibility offered by \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/life-insurance/savings-plan\\\" target=\\\"_blank\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Shriram Life Insurance's savings plans\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\"> extends beyond payout options. It empowers policyholders to adapt their financial strategy according to life milestones, changing circumstances, and evolving goals. Whether you're planning for retirement, funding your child's education, or pursuing your entrepreneurial dreams, having the flexibility to adjust payouts ensures that your financial plan remains aligned with your aspirations.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>1. Flexibility for Life's Milestones\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Life is unpredictable, and financial needs evolve over time. With Shriram Life Insurance's savings plans, policyholders have the flexibility to adapt to life's milestones seamlessly. Whether it's purchasing a home, funding higher education, or starting a business venture, having the option to adjust payout preferences ensures that financial resources are available when needed the most. This adaptability empowers individuals to navigate life's changes with confidence, knowing that their savings plan can accommodate their evolving aspirations and obligations.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>2. Mitigating Financial Risks\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">In today's dynamic economic environment, managing financial risks is crucial for long-term prosperity. Shriram Life Insurance's savings plans offer a blend of stability and growth potential, helping individuals mitigate financial risks effectively. By diversifying investment portfolios and providing guaranteed benefits alongside market-linked returns, these plans strike a balance between security and growth. Moreover, the flexibility to choose payout options enables policyholders to mitigate specific risks associated with market volatility, inflation, or unforeseen expenses, thereby \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/blog/others/life-insurance-in-comprehensive-financial-planning\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">enhancing financial resilience\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>3. Tax Benefits and Wealth Accumulation\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Tax planning is an integral part of financial management, and Shriram Life Insurance's savings plans offer attractive tax benefits to policyholders. Under Section 80C of the Income Tax Act, premiums paid towards life insurance policies are eligible for tax deductions, providing an opportunity to reduce tax liabilities while building long-term wealth. Additionally, the tax-free nature of maturity benefits and death benefits further enhances the overall tax efficiency of these savings plans. By leveraging tax advantages and compounding returns over time, individuals can accelerate wealth accumulation and achieve their financial goals faster.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>4. Peace of Mind through Financial Protection\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Beyond wealth creation, Shriram Life Insurance's savings plans offer \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/blog/early-cash-plan/invest-in-your-peace-of-mind-the-early-cash-plan-explained\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">peace of mind through comprehensive financial protection\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">. In the event of an unfortunate demise, the life cover provided by these plans ensures that loved ones are safeguarded from financial hardships. This financial safety net provides reassurance to policyholders, knowing that their family's future is secure, irrespective of unforeseen circumstances. By combining savings with protection, these plans serve as a holistic solution for financial well-being, offering a sense of security and stability to policyholders and their families.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">\u003Cstrong>5. Empowering Financial Independence\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Ultimately, the overarching goal of Shriram Life Insurance's savings plans is to empower individuals to achieve \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/blog/super-income-plan/financial-freedom-starts-with-shriram-life-super-income-plan\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">financial independence and realize their dreams\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">. Whether it's retiring early, traveling the world, or pursuing philanthropic endeavors, having a robust savings plan in place lays the foundation for a fulfilling and prosperous life. The flexibility offered by these plans enables individuals to chart their financial course autonomously, making informed decisions that align with their values, priorities, and aspirations. By providing the tools and resources necessary for financial empowerment, Shriram Life Insurance empowers individuals to take control of their financial destinies and create a legacy of prosperity for generations to come.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">In an era of economic uncertainty and dynamic financial landscapes, having a robust savings plan is essential for achieving financial security and prosperity. Shriram Life Insurance's savings plans with flexible payout options empower individuals to supercharge their savings and tailor their financial journey according to their preferences and goals. By combining comprehensive coverage with flexibility, these plans offer a holistic approach to financial planning, ensuring peace of mind and prosperity for you and your loved ones. So why wait? Explore \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/life-insurance/savings-plan-features-and-benefits\\\" target=\\\"_blank\\\">\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\">Shriram Life Insurance's diverse savings plan features\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-GB\\\" lang=\\\"EN-GB\\\"> today and embark on a journey towards a secure and prosperous future.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\",\"category\":\"/blog/others\"},{\"title\":\"6 Things to Think Before Buying any Life Insurance plans\",\"heading\":\"6 Things to Think Before Buying any Insurance Plans\",\"short_description\":\"\u003Cp>Insurance savings plans are fundamental to securing a future that provides financial freedom.\u003C/p>\",\"tile_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-06/17%20-%206%20Things%20to%20Think%20Before%20Buying%20any%20Life%20Insurance%20plans_0.webp?VersionId=kw57rHg9HPeosY2sLTTOb9.IsAZLmZAh\",\"alt\":\"Things to note before buying any life insurance\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"posted_on\":\"2024-06-28T10:25:48\",\"updated_on\":\"2024-06-28T11:21:57\",\"read_more_title\":\"Know More\",\"slug\":\"/things-to-think-before-buying-any-life-insurance-plans\",\"field_bl_tag\":\"\u003Ca href=\\\"/blog/guides/popular\\\" hreflang=\\\"en\\\">Popular\u003C/a>, \u003Ca href=\\\"/blog/guides/savings\\\" hreflang=\\\"en\\\">Savings\u003C/a>\",\"description\":\"\u003Cp>Insurance savings plans are fundamental to securing a future that provides financial freedom. It lends financial help during tough or unforeseen circumstances, thereby taking the stress away from arranging for money. Before availing an insurance savings plan, one must make an informed decision about which plan will provide the benefits aimed toward their financial status.\u003C/p>\u003Cp>This blog provides a comprehensive overview of the six main things that need to be considered before availing yourself of a plan and the advantages of making such an informed decision. It also details the benefits of using the \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/golden-premier-saver-plan\\\" target=\\\"_blank\\\">Shriram Golden Premier Saver Plan\u003C/a> - an all-in-one insurance that provides long-term financial support.\u003C/p>\u003Ch3>\u003Cstrong>1. Coverage Options:\u003C/strong>\u003C/h3>\u003Cp>Having a precise idea about the coverage is paramount to knowing the plan. Each plan differs from one another. While some cater to life coverage which provides a lump sum to the beneficiaries after the demise of the policyholder, others may be more focused on providing stable income through savings or cash liquidity. Hence it is essential to understand which is a priority for you and then go for a plan that has these coverage options, or even opt for both benefits in one.\u003C/p>\u003Ch3>\u003Cstrong>2. Affordable Premiums:\u003C/strong>\u003C/h3>\u003Cp>Premium is the second important thing that one looks for when choosing an insurance plan. An affordable premium that matches the financial capabilities of the individual is a must. For instance, if someone is worried about losing their job and arranging for their finances, they need to think through the insurance plan before opting for one that has a high premium amount. Failing to evaluate this could even result in the cancellation of the policy.\u003C/p>\u003Cp>Having said that, high premium amounts can also result in better benefits and lower premium charges overall. Therefore, knowing whether to pay a lump sum or monthly installments is essential to making the right decision regarding premium payments.\u003C/p>\u003Ch3>\u003Cstrong>3. Flexible Maturity Payouts:\u003C/strong>\u003C/h3>\u003Cp>Monthly payouts are a given when it comes to \u003Ca href=\\\"https://www.shriramlife.com/life-insurance\\\" target=\\\"_blank\\\">life insurance savings plans\u003C/a>. It is therefore possible to choose how we want to receive those monthly payments. Some plans provide maturity benefits in a lump sum, as regular income, or as both. Do a thorough check on the various features relating to flexible premium payment and then opt for a plan.\u003C/p>\u003Cp>A flexible plan allows for fulfilling financial goals for education, retirement, and other expenses.\u003C/p>\u003Ch3>\u003Cstrong>4. Rider Benefits:\u003C/strong>\u003C/h3>\u003Cp>In addition to flexibility in premium payment frequencies, it is also possible to enhance one’s coverage. There are many rider benefits associated with different plans that facilitate financial ease and provide peace of mind.\u003C/p>\u003Cp>The \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/golden-premier-saver-plan-premium-components\\\" target=\\\"_blank\\\">various riders\u003C/a> are critical illness riders, disability income riders, accidental death benefit riders, etc. These are aimed at providing benefits to both the life insured and his/her family.\u003C/p>\u003Ch3>\u003Cstrong>5. Policy Term and Renewability:\u003C/strong>\u003C/h3>\u003Cp>Having the flexibility to adjust the policy term and renew the plan ensures that your insurance coverage continues to meet your evolving needs as you progress through different life stages.\u003C/p>\u003Cp>Policy terms and renewability options are crucial aspects that need to be considered alongside the points listed above. Look for the maturity age and other flexibility in policy terms that allow one to choose the tenure of the policy. Some rider options give the flexibility to even extend the policy term. This way, you can be sure of what you want and how the plan is trying to meet those goals, rather than functioning as a policy that is set in stone.\u003C/p>\u003Ch3>\u003Cstrong>6. Reputation of the Insurance Provider:\u003C/strong>\u003C/h3>\u003Cp>The reputation of the insurance provider decides the credibility of the policy. While doing research, look for points that talk about aspects such as financial security, claim settlement track record, and the quality of service. These factors decide how the policy is going to turn out, the openness with which flexibility is provided, and the return on investment.\u003C/p>\u003Ch2>\u003Cstrong>Key Features of Shriram Life Golden Premier Plan\u003C/strong>\u003C/h2>\u003Cp>The Shriram Life Golden Premier Saver Plan is an Insurance Savings Plan that allows coverage up to 25 years, for which the premium to pay is for five years less than the policy term. If the life insured passes away during the policy term, the death benefit is given to the family members. Whereas, if the insured is alive at the time of the maturation of the policy, either a lump sum or a mix of lump sum and installments are given to the insured. It is also possible to add multiple rider options that provide the necessary coverage.\u003C/p>\u003Ch3>\u003Cstrong>Low Premium\u003C/strong>\u003C/h3>\u003Cp>There is a huge amount of scope when it comes to paying the premium. You can get your hands on affordable premiums that start from ₹10,296 and can then stay insured throughout your chosen policy term.\u003C/p>\u003Ch3>\u003Cstrong>Limited Premium Paying Term\u003C/strong>\u003C/h3>\u003Cp>Flexibility in premium payment frequencies allow for paying premium for a limited period and then enjoying the benefits of long-term coverage.\u003C/p>\u003Ch3>\u003Cstrong>Premium Installments\u003C/strong>\u003C/h3>\u003Cp>Choose to pay the premium annually, semi-annually, quarterly or monthly, according to your needs, and suitability.\u003C/p>\u003Ch3>\u003Cstrong>Coverage Options\u003C/strong>\u003C/h3>\u003Cp>You can choose to increase the coverage for up to 80 years of age for longer protection.\u003C/p>\u003Cp>This way, you can get protection for a longer period and simultaneously get increased benefits.\u003C/p>\u003Ch3>\u003Cstrong>Bonus\u003C/strong>\u003C/h3>\u003Cp>Bonus additions give extra benefits, and thereby enhance your corpus. You can get a bonus of 4 percent in the first five policy years, along with the monthly payouts.\u003C/p>\u003Ch3>\u003Cstrong>Flexible Maturity Benefit Payout\u003C/strong>\u003C/h3>\u003Cp>You can choose to get the maturity benefit either as a lump sum or as installments based on whichever works best for you.\u003C/p>\u003Cp>Explore the online, live \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/golden-premier-saver-plan-calculator\\\" target=\\\"_blank\\\">Golden Premier Saver calculators\u003C/a> to understand how the plan would work for you with your personalized information such as age, policy term choice and opted riders.\u003C/p>\u003Cp>To conclude, purchasing an insurance savings plan is a significant financial decision that requires thought and consideration. By looking at various factors such as payment flexibility, rider options and other such benefits, it is possible to make an effective and long-lasting decision that will be beneficial in the long run. If one is not able to narrow down on an insurance savings plan, they can consult financial advisors whose job it is to provide the right direction. With a Shriram savings plan, you can secure your present and the future without much of a hassle.\u003C/p>\u003Cp>You can visit \u003Ca href=\\\"https://www.shriramlife.com/\\\" target=\\\"_blank\\\">Shriram Life Insurance\u003C/a> to \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/golden-premier-saver-plan-features-and-benefits\\\" target=\\\"_blank\\\">learn more about our Saver plan\u003C/a> and the customizable options.\u003C/p>\",\"category\":\"/blog/golden-premier-saver-plan\"},{\"title\":\"Main Features to Look for While Choosing a Life Insurance Savings Plans\",\"heading\":\"Main Features to Look for While Choosing a Life Insurance Savings Plans\",\"short_description\":\"\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">When it comes to financial planning, life insurance plays a pivotal role in securing one’s future and providing\u003C/span>\u003C/p>\",\"tile_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-06/Main%20features%20to%20look%20for%20while%20choosing%20a%20life%20insurance%20savings%20plans_0.png?VersionId=_sdVXkAg4XeoxNYcPnquB51YWc8XKyQj\",\"alt\":\"features to look for while choosing a life insurance\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"posted_on\":\"2024-06-28T06:58:24\",\"updated_on\":\"2024-06-28T11:57:32\",\"read_more_title\":\"Know More\",\"slug\":\"/features-to-look-for-while-choosing-a-life-insurance-savings-plans\",\"field_bl_tag\":\"\u003Ca href=\\\"/blog/guides/savings\\\" hreflang=\\\"en\\\">Savings\u003C/a>, \u003Ca href=\\\"/blog/guides/popular\\\" hreflang=\\\"en\\\">Popular\u003C/a>\",\"description\":\"\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">When it comes to financial planning, life insurance plays a pivotal role in securing one’s future and providing for their loved ones. People opt for insurance for many purposes such as for car, home, health, etc. In that, a life insurance savings plan is a versatile and sophisticated insurance policy that provides long-term financial coverage while also giving income in the form of savings that satisfy short term financial goals.\u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">If you are someone who is looking to opt for one such policy and want to know the \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/life-insurance/savings-plan-features-and-benefits\\\" target=\\\"_blank\\\">\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">life insurance savings plan features\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">, then you need to do research to compare various plans and how they provide financial benefits, and then decide a plan based on the information you have. Read this blog further to understand the features of life insurance savings plans and how they provide you financial coverage for the most part of your life.\u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Features\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> of \u003C/strong>\u003C/span>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Life Insurance Savings Plan\u003C/strong>\u003C/span>\u003C/h2>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>1. Flexibility in Premium Payments\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">Many times, we are confronted with unforeseen circumstances in our lives, one such example being the recent Pandemic. Such events sometimes take a toll on our physical property, money being one of them. Having the \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/blog/premier-assured-benefit/maximizing-benefits-with-flexible-premium-payment\\\">\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">flexibility in choosing the premium amount\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\"> to be paid in the life insurance policy that one chooses, will provide a cushion during such times.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>2. Investment Options\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">A crucial component of a \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/life-insurance/savings-plan\\\" target=\\\"_blank\\\">\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">life insurance savings plan\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\"> is the investment option. It falls on us to analyze the various investment options available and then choose a plan based on the options that are suitable to us. The various investment options could be stocks, bonds, mutual funds, etc. to have various options, and then choose the one that gives the best returns.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>3. Guaranteed Returns or Bonuses\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">Guaranteed returns and bonuses are interesting features that pave the way for some amount of certainty in a market that is fluctuating. Look out for plans that provide these features, and then enhance the policy to provide a safe net for your loved ones.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>4. Tax Benefits\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Ca href=\\\"https://www.shriramlife.com/blog/premier-assured-benefit/key-features-of-shriram-life-savings-plans\\\">\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">Life insurance savings plans features are many\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">, and the one that provides the most advantage is tax. One should thoroughly learn about the tax benefits that the plan gives. These could be tax-free withdrawals or even tax exemptions once the tax matures. This can positively affect the way we manage our finances and ensure that we spend our money only on aspects that are of top priority.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>5. Coverage and Riders\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">While getting life insurance coverage, do a thorough study on the policy and its offers. These are called the rider benefits that enable one to alter the plan if required, based on their needs and goals. \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/blog/premier-assured-benefit/exploring-rider-protection-options-in-life-insurance\\\">\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Rider benefits vary from one policy to another\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">, therefore compare and analyze how the points presented in the policy can actually help you achieve your financial goals. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>6. Policy Term and Maturity Benefits\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Ca href=\\\"https://www.shriramlife.com/blog/others/comprehensive-guide-to-choose-the-right-life-insurance\\\">\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Choosing the right features in life insurance\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\"> requires that one examine the policy term and maturity benefits thoroughly. Some plans provide the flexibility to choose the duration for the policy the way we want, and others may not necessarily provide that benefit. Therefore, it is essential to see whether the plan you opt for has that flexibility that you seek.\u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Features of Insurance Savings Plan: A Detailed Breakdown\u003C/strong>\u003C/span>\u003C/h2>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>1. Cash Value Accumulation\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Savings plans generally provide a lot of cash over a period of time. This value is nothing but the savings component that is provided in the policy. It can be accessed through withdrawals and loans, and thereby serves as a financial net during times of emergencies.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>2. Death Benefits\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">Death benefits are offered in the savings plan. If the policyholder dies during the policy tenure, then their beneficiaries are suitable for receiving financial benefits. This benefit is a predetermined sum that helps the family financially. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>3. Bonus Declarations\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">While not all plans have this feature, some plans come with a bonus. Based on the performance of the company, the insurer gives money to the policyholder. This enhances the sum assured that is to be given to the policyholder. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>4. Surrender Value\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">Surrender value is the money available to the policyholder when they surrender the policy before its time of maturity. Those plans which have a high surrender value will result in high benefits. It also offers more flexibility and cash liquidity. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>5. Free-look period\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">A free-look period is a time duration of 15 days during which if the policyholder is not happy with the policy and is looking to change it, they can do so after issuance.\u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>6. Grace Period\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">If the insurer is unable to pay the premium within the prescribed date, then they can do so within the grace period which is for 30 days. For monthly payouts, they can make use of the same within 15 days during which the policy does not get lapsed.\u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Conclusion\u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Choosing the right life insurance savings plan features require proper research, \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/blog/others/life-insurance-in-comprehensive-financial-planning\\\">\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">planning and consideration of the financial goals\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\"> that an individual has. Some of the important points to consider here are risk tolerance, and future needs. It's essential that one thoroughly evaluates and compares different plans, and then focus on those features that align with the objectives of the individual. A well-structured life insurance savings plan not only provides financial security but also serves as a tool for savings and wealth accumulation.\u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">Investing time in understanding the nuances of these features ensures that you make an informed decision, setting a solid foundation for a secure financial future. Among all the key considerations for selecting a savings plan it is important to remember that the plan is meant not only to safeguard but also empower you to achieve your financial aspirations.\u003C/span>\u003C/p>\",\"category\":\"/blog/others\"},{\"title\":\"Securing Your Future: The Crucial Role of Life Insurance in Comprehensive Financial Planning\",\"heading\":\"Securing Your Future: The Crucial Role of Life Insurance in Comprehensive Financial Planning\",\"short_description\":\"\u003Cp>In the intricate tapestry of financial planning, individuals strive to weave a future that is both secure and prosperous.\u003C/p>\",\"tile_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-06/14%20-%20Securing%20Your%20Future_%20The%20Importance%20of%20Life%20Insurance%20in%20Financial%20Planning_0.webp?VersionId=.Mee3BUdkJvQphlMj59rvXjV9Abv4INe\",\"alt\":\"Securing future with Life insurance\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"posted_on\":\"2024-06-27T10:06:16\",\"updated_on\":\"2024-06-27T10:57:30\",\"read_more_title\":\"Know More\",\"slug\":\"/life-insurance-in-comprehensive-financial-planning\",\"field_bl_tag\":\"\u003Ca href=\\\"/blog/guides/popular\\\" hreflang=\\\"en\\\">Popular\u003C/a>, \u003Ca href=\\\"/blog/guides/savings\\\" hreflang=\\\"en\\\">Savings\u003C/a>, \u003Ca href=\\\"/blog/guides/retirement\\\" hreflang=\\\"en\\\">Retirement\u003C/a>, \u003Ca href=\\\"/blog/guides/child\\\" hreflang=\\\"en\\\">Child\u003C/a>\",\"description\":\"\u003Cp>In the intricate tapestry of financial planning, individuals strive to weave a future that is both secure and prosperous. At the core of this endeavor lies a powerful and versatile tool: life insurance. This blog delves into the importance of life insurance in the realm of financial planning, emphasizing its pivotal role in ensuring \u003Ca href=\\\"https://www.shriramlife.com/blog/early-cash-plan/securing-your-future-the-benefits-of-the-early-cash-plan\\\" target=\\\"_blank\\\">future financial security\u003C/a>, particularly for families.\u003C/p>\u003Cp>From addressing immediate protection needs to contributing to long-term financial stability and retirement planning, life insurance proves to be an indispensable component of a well-rounded financial strategy.\u003C/p>\u003Ch2>\u003Cstrong>Financial Planning: A Strategic Journey\u003C/strong>\u003C/h2>\u003Cp>Financial planning is a strategic journey that individuals undertake to achieve specific life goals and secure their financial future. It involves a meticulous assessment of current financial status, the setting of realistic objectives, and the implementation of a well-thought-out strategy.\u003C/p>\u003Cp>At the heart of this strategy lies the importance of life insurance, a financial instrument that transcends its traditional role as a protective measure.\u003C/p>\u003Cp>Life insurance is not merely a policy; it is a dynamic element that adapts to the changing needs and goals of individuals and families. Understanding its multifaceted benefits is key to crafting a resilient and adaptable financial plan.\u003C/p>\u003Ch2>\u003Cstrong>Importance of Life Insurance: A Shield for Future Financial Security\u003C/strong>\u003C/h2>\u003Cp>The primary role of life insurance is to act as a shield, providing a safety net for loved ones in the face of life's uncertainties. The importance of life insurance becomes particularly evident when considering future financial security. In the event of the policyholder's demise, life insurance ensures that dependents are not only emotionally supported but also financially secure.\u003C/p>\u003Cp>\u003Ca href=\\\"https://www.shriramlife.com/blog/early-cash-plan/why-does-every-family-need-a-life-insurance-savings-plan\\\" target=\\\"_blank\\\">Life insurance for families\u003C/a> goes beyond the emotional reassurance it provides. It becomes a tailored solution that covers specific needs, from educational expenses to outstanding debts and mortgage payments. This aspect of life insurance is instrumental in maintaining a family's lifestyle and ensuring that they can navigate the financial challenges that accompany loss.\u003C/p>\u003Ch2>\u003Cstrong>Retirement Planning with Insurance: A Crucial Component\u003C/strong>\u003C/h2>\u003Cp>As individuals plan for their future, retirement often takes center stage. \u003Ca href=\\\"https://www.shriramlife.com/life-insurance/retirement-plan\\\" target=\\\"_blank\\\">Retirement planning with insurance\u003C/a> introduces a crucial component that enhances financial independence during the post-working years. Annuities, a form of life insurance, offer a guaranteed income stream, providing a reliable source of funds that complements other retirement savings.\u003C/p>\u003Cp>The cash value component of permanent life insurance further contributes to retirement planning. It can be strategically leveraged to supplement retirement income or serve as an emergency fund. The adaptability of life insurance products ensures a diversified retirement portfolio, reinforcing the long-term financial stability individuals seek during their golden years.\u003C/p>\u003Ch3>\u003Cstrong>Life Insurance for Families: Tailoring Protection to Specific Needs\u003C/strong>\u003C/h3>\u003Cp>Families are the bedrock of our lives and securing their well-being is a top priority. Life insurance for families is not a one-size-fits-all solution; it is a customizable tool that addresses specific needs.\u003C/p>\u003Cp>From \u003Ca href=\\\"https://www.shriramlife.com/blog/others/term-life-insurance\\\" target=\\\"_blank\\\">term life insurance\u003C/a> providing cost-effective coverage during critical years to whole life or permanent life insurance offering protection and wealth-building components, families can tailor their life insurance to suit their unique circumstances.\u003C/p>\u003Cp>Beyond immediate needs, life insurance facilitates legacy planning, allowing individuals to pass down their wealth to future generations in a tax-efficient manner. By structuring beneficiaries and distribution plans, policyholders can create a lasting financial legacy that extends beyond their lifetime.\u003C/p>\u003Ch3>\u003Cstrong>Long-Term Financial Stability: Building Wealth and Leaving a Legacy\u003C/strong>\u003C/h3>\u003Cp>Life insurance plays a pivotal role in contributing to long-term financial stability. Whole life and permanent life insurance policies accumulate a cash value over time, creating a financial asset that policyholders can access or borrow against. This \u003Ca href=\\\"https://www.shriramlife.com/blog/golden-premier-saver-plan/best-insurance-plans-with-increased-liquidity-over-lifetime\\\" target=\\\"_blank\\\">cash value component offers liquidity\u003C/a> and flexibility, contributing to a more robust and diversified financial portfolio.\u003C/p>\u003Cp>The importance of life insurance in legacy planning cannot be overstated. By strategically designating beneficiaries and outlining how the death benefit is distributed, individuals can ensure that their wealth is passed down efficiently. This approach aligns with the broader goals of long-term financial planning and wealth preservation.\u003C/p>\u003Ch3>\u003Cstrong>Adaptability for Changing Needs\u003C/strong>\u003C/h3>\u003Cp>One of the key strengths of \u003Ca href=\\\"https://www.shriramlife.com/blog/super-income-plan/financial-freedom-starts-with-shriram-life-super-income-plan\\\" target=\\\"_blank\\\">life insurance in financial planning\u003C/a> is its adaptability. As life circumstances change, insurance policies can be adjusted to meet evolving needs. For instance, a young professional may opt for term life insurance for cost-effective coverage, while someone shifting focus towards building wealth and leaving a legacy may transition to permanent life insurance products.\u003C/p>\u003Cp>This adaptability ensures that life insurance remains a dynamic and relevant tool throughout different life stages, aligning with the evolving priorities and goals of individuals and families.\u003C/p>\u003Ch3>\u003Cstrong>Life Insurance for Everybody\u003C/strong>\u003C/h3>\u003Cp>In conclusion, life insurance emerges as a linchpin in the landscape of comprehensive financial planning, offering a dynamic and multifaceted solution. Its importance extends beyond immediate protection needs, encompassing retirement planning, long-term financial stability, and legacy building. Life insurance isn't a mere policy; it is a commitment to securing a future that is both stable and prosperous.\u003C/p>\u003Cp>As individuals embark on their financial journey, recognizing the importance of life insurance becomes paramount. It plays a strategic role in not only safeguarding the financial well-being of loved ones but also in building a legacy that transcends generations. Life insurance is the thread that weaves together the fabric of financial security, ensuring that the tapestry of our future is resilient, adaptable, and prosperous.\u003C/p>\u003Cp>At Shriram Life Insurance, our unwavering commitment revolves around crafting \u003Ca href=\\\"https://www.shriramlife.com/life-insurance\\\" target=\\\"_blank\\\">life insurance products\u003C/a> that go beyond mere financial protection – we aim to create comprehensive solutions that truly enhance the lives of our policyholders. It is these powerful life insurance products that enable families to continue having total financial protection in the wake of an unfortunate event while allowing wealth to build up over time.\u003C/p>\u003Cp>Shriram Life Insurance priorities clear communication and transparency ensuring that policyholders can grasp policy terms and tailor a policy that best fits their financial needs and their financial goals for the future.\u003C/p>\u003Cp>Shriram Life Insurance remains dedicated to empowering individuals and families with \u003Ca href=\\\"https://www.shriramlife.com/calculators\\\" target=\\\"_blank\\\">financial planning tools\u003C/a> that not only protect but also propel them towards their aspirations, ensuring peace of mind and a resilient financial foundation for generations to come.\u003C/p>\u003Cp>Get in touch with us and explore the various financial planning instruments that we have on offer!\u003C/p>\u003Cp> \u003C/p>\u003Cp>\u003Cstrong>For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale.\u003C/strong>\u003C/p>\u003Cp>IRDAI Regn No: 128\u003C/p>\u003Cp>CIN No.. of the Company\u003C/p>\u003Cp>The Trade Logo displayed above belongs to Shriram Value Services Limited (“SVS”) and used by Shriram Life Insurance Company Limited under a License agreement.”\u003C/p>\u003Cp>\u003Cstrong>BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS/FRADULENT OFFERS\u003C/strong>\u003C/p>\u003Cp>IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.\u003C/p>\",\"category\":\"/blog/others\"},{\"title\":\"Choosing the Right Life Insurance: A Comprehensive Guide\",\"heading\":\"Choosing the Right Life Insurance: A Comprehensive Guide\",\"short_description\":\"\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Selecting the right life insurance that is custom made for you and your family is no easy matter.\u003C/span>\u003C/p>\",\"tile_image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-06/Choosing%20the%20Right%20Life%20Insurance%20A%20Comprehensive%20Guide_0.png?VersionId=HReDUs_O5CzsJBhb1PDJTzAydQEHpQ6C\",\"alt\":\"Guide to Choose the Right Life Insurance\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"posted_on\":\"2024-06-27T05:40:07\",\"updated_on\":\"2024-06-27T12:02:22\",\"read_more_title\":\"Know More\",\"slug\":\"/comprehensive-guide-to-choose-the-right-life-insurance\",\"field_bl_tag\":\"\u003Ca href=\\\"/blog/guides/savings\\\" hreflang=\\\"en\\\">Savings\u003C/a>, \u003Ca href=\\\"/blog/guides/popular\\\" hreflang=\\\"en\\\">Popular\u003C/a>\",\"description\":\"\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Selecting the right life insurance that is custom made for you and your family is no easy matter. It is an important decision that requires careful consideration and a thorough understanding of your current financial goals and needs. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">With this comprehensive insurance guide, you will be able to understand the intricacies of life insurance selection easily. We aim to provide you with insurance comparison tips, valuable insider insights and give you well-thought out policy selection criteria that will help you make informed policy choices. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Perhaps this is your very first experience of life insurance selection. Or perhaps, you have purchased life insurance policies before and are looking to reassess your existing life insurance plans. Either way, this comprehensive insurance guide from Shriram Life Insurance will give you everything that you need to make the process of life insurance selection an easier process. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Simplifying the Insurance Market \u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Before deep diving into the nitty-gritty of life insurance selection, it is a good idea to get a quick overview of the current life insurance market. This will help you make a smart and informed decision regarding various \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/life-insurance\\\">\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">life insurance plans\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\"> based on your own unique requirements. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Life insurance plans come in various forms, each catering to a segment of people with specific goals and needs. Here’s a quick overview of the various types of life insurance plans.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Term Life Insurance\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Ca href=\\\"https://www.shriramlife.com/blog/others/everything-you-must-know-about-term-insurance-plan\\\">\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Term Life Insurance plan\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\"> is perhaps the simplest and straightforward life insurance plan to exist in the market. It is made for policyholders who are seeking affordable coverage for a specific period. This type of life insurance plans provides death benefits alone without any accumulation of wealth.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Whole Life Insurance \u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">This type of life insurance plan provides the policyholder with lifelong coverage. It also has a cash value component that grows over time providing the policyholder with a wealth creation opportunity. So one of our insurance comparison tips is to understand your final goal. Are you looking for coverage alone or coverage with wealth creation? \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Universal Life Insurance \u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">When you are in the process of life insurance selection, you will come across Universal Life Insurance policies. These life insurance policies combine flexibility with lifelong coverage. They allow policyholders to adjust premium payments and death benefits according to their changing needs and requirements. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">Now that you have understood the major types of life insurance policies, it is important to factor these when it comes to your policy selection criteria. \u003C/span>\u003C/p>\u003Ch2>\u003Cspan>\u003Cstrong>Essential Factors for Insurance Selection:\u003C/strong>\u003C/span>\u003C/h2>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Insurance Comparison Tips\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">When navigating the insurance market and when faced with plenty of options, it is important to make effective comparisons that will help you decide on the policy that’s most suitable for your goals. With this comprehensive insurance guide, you can now learn insider insurance comparison tips and make your process of finding a life insurance policy for yourself an easy task.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Evaluate your requirements \u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Before venturing into the insurance market to a buy a policy, conduct a thorough \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/blog/others/tips-buying-life-insurance-plan\\\">\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">assessment of your specific needs and financial goals\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">. Factor in your current debts, future expenses and the financial well-being of your family. Remember, the best insurance policy is the policy that suits your unique goals. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Compare Premiums and Coverage\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">While most people looking to finalize a life insurance policy look at affordable premiums, it is important to remember to take into account the actual coverage offered. Cost is a critical factor no doubt, but do not make it the sole factor in your policy selection criteria. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Know Policy Terms \u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">While it might be a tad bit difficult to go through the policy terms and conditions in detail, do remember that this comprehensive insurance guide urges you to scrutinize the terms of every policy that you are considering in detail. Pay extra attention to exclusions, limitations and factor in additional features that may be provided. When you focus on the details, the process of life insurance selection will be easier for you. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Understand Cash Value Components\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">For those life insurance plans that offer a cash value component, it is imperative that you understand fully well how the cash component works. You must also evaluate the growth potential of this feature and understand how it will help you grow your wealth. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Focus on Company Credibility\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Give company reputation a top spot in your policy selection criteria. Spend time researching and assessing the companies in your shortlist. Pick a company with a strong financial standing and positive reviews. Consider going through testimonials from existing policyholders.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">Now, it is time to understand how to make an informed choice based on the information provided.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Policy Selection Criteria:\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">In order to make a complete assessment of the life insurance plan of your choice and your own financial needs and goals, it is important to draft your policy selection criteria. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">\u003Cstrong>Coverage Amount \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Ascertain the coverage amount that will work for you based on your financial goals and future needs. Take into consideration loans, future expenses, education costs and more. Choose a coverage amount that provides a sage financial net for your loved ones.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Duration of Policy \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">While analyzing life insurance plans, keep in mind to select a policy that aligns with your specific needs. \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/blog/others/term-insurance-plan-and-how-choose-the-best-one\\\">\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">Pick term life insurance\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\"> if you are looking at a shorter duration. If you seek lifelong coverage opt for whole life insurance. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">\u003Cstrong>Premium Affordability \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Ca href=\\\"https://www.shriramlife.com/blog/others/choose-suitable-life-insurance-plan-not-cheapest\\\">\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Evaluate your budget and choose a premium\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\"> that suits your financial situation over the long term. Be mindful of potential premium increases for adjustable policies. The affordability of premiums is important to maintaining the life insurance policy over time. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Additional Riders \u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Riders provide extra coverage or additional benefits that will enhance your financial protection. If you are looking for specific riders make sure that the life insurance policy you choose offers you the choice of opting for that specific rider. Common riders include critical illness rider, disability rider and accidental death rider. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch3>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Conversion Options\u003C/strong>\u003C/span>\u003C/h3>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">In case you are opting for a term insurance for the time being and are open to a permanent policy later on, ensure that your policy has the option to convert to a whole life policy at any stage. This can be very useful as you can base your financial decisions on your evolving needs.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Ch2>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">\u003Cstrong>Are you ready to buy your policy?\u003C/strong>\u003C/span>\u003Cspan>\u003Cstrong> \u003C/strong>\u003C/span>\u003C/h2>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">With our comprehensive insurance guide, you are now at a great place to start exploring various life insurance plans. Keep in mind that \u003C/span>\u003Ca href=\\\"https://www.shriramlife.com/blog/others/mistakes-to-avoid-when-buying-online-life-insurance-policy\\\">\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">choosing the right insurance plan\u003C/span>\u003C/a>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\"> is a nuanced and multi-layered process that requires your time and effort. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN\\\" lang=\\\"EN\\\">This comprehensive insurance guide has provided you with valuable insights into the landscape of life insurance, insurance comparison tips and policy selection criteria. \u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cspan lang=\\\"EN-US\\\" lang=\\\"EN-US\\\">Life insurance is not a one-size-fits-all solution but with proper information you can pick a policy that ensures a secure and financially sound future. To know more about Shriram Life Insurance Policies, do connect with us. We will be happy to guide you better on choosing the plan that works for you.\u003C/span>\u003Cspan> \u003C/span>\u003C/p>\u003Cp>\u003Cstrong>For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale.\u003C/strong>\u003C/p>\u003Cp>IRDAI Regn No: 128\u003C/p>\u003Cp>CIN No.. of the Company\u003C/p>\u003Cp>The Trade Logo displayed above belongs to Shriram Value Services Limited (“SVS”) and used by Shriram Life Insurance Company Limited under a License agreement.”\u003C/p>\u003Cp>\u003Cstrong>BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS/FRADULENT OFFERS\u003C/strong>\u003C/p>\u003Cp>IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police 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