Welcome to!!!
Kaviya Life Insurance Service
“Key for Life Insurance Needs”
Secure Your Future With Our Trusted Brand
Welcome to Kaviya Life Insurance Service
Life insurance is a contract between an insurance policyholder and an insurance company, where the insurer promises to pay a designated beneficiary a sum of money (the death benefit) upon the death of the insured person. This financial protection is meant to provide for dependents or beneficiaries after the policyholder’s death. For renowned insurance companies, Kaviya Life insurance are committed to offering exceptional service and unparalleled expertise.
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Life Insurance
Term Plans
ULIP Plan
Savings Plan
Child Plan
Investment Plan
Retirement Plan
Reasons for Getting Life Insurance
Income Replacement: To provide financial support to dependents who rely on the insured’s income
Repayment: To cover outstanding debts such as mortgages, loans, or credit card balances.
Education Expenses: To fund future education costs for children or dependents.
Funeral and Final Expenses: To cover funeral costs and other end-of-life expenses.
Estate Planning: To ensure a smooth transfer of assets and liquidity to beneficiaries.
How Life Insurance Works
Premiums: Policyholders pay premiums either monthly, annually, or in other intervals.
Death Benefit: The beneficiary receives the death benefit upon the insured’s death, provided the policy is in force and premiums are up-to-date.
Policy Loans: With permanent life insurance policies (whole life and universal life), policyholders can borrow against the cash value of the policy.
Surrender Value: If the policy is surrendered before death, the policyholder may receive the cash surrender value, which is the cash value minus any surrender charges.
Considerations When Choosing Life Insurance
Coverage Amount: Determine how much coverage is needed based on financial obligations and goals.
Type of Policy: Consider whether term, whole life, or universal life insurance best meets your needs.
Premiums: Understand the premium amounts and payment frequency, and ensure they fit within your budget.
Insurer Reputation: Research the financial strength and reputation of the insurance company.
