Featured
Smart Platina Assure
Guaranteed maturity + loyalty additions
- Tenure
- 12–20 yrs
- Unique Value
- Predictable income flow
Plans & Guidance
Insurance Solutions Tailored to Your Life Goals
Independent, need-based financial planning that protects your family, grows your wealth, and secures your future — through authorized IRDAI-registered insurers.
- Protection • Savings • Retirement • Child Education
- Brand-agnostic, IRDAI-compliant advice
- Simple explanations with clear benefit illustrations
Plans & Guidance
Why Insurance Planning is the Foundation of Financial Freedom
Life insurance is not just about protection — it’s about creating a strong base for your family’s financial growth. From pure term cover to guaranteed savings and lifelong pensions, each plan category supports a unique goal in your financial journey.
-
Protection
Term cover forms the base — secure your family’s income against life’s uncertainties.
-
Growth
Guaranteed savings or market-linked options to build wealth for mid-term goals.
-
Retirement
Convert savings to steady income — immediate or deferred pension aligned to your timeline.
Savings & Guaranteed
Savings Plans
Savings plans combine guaranteed maturity value with life cover — ideal for long-term family goals like children’s education or retirement corpus creation.
- Predictable returns
- Tax-free maturity under 10(10D)
- Choice of income or lump-sum
Smart Platina Plus
Limited premium with flexible payouts
- Tenure
- 8–25 yrs
- Unique Value
- Customize maturity options
Smart Platina Supreme
High guaranteed income, short pay
- Tenure
- 7–12 yrs
- Unique Value
- Ideal for medium-term goals
Smart Lifetime Saver
Whole-life cover + cash bonuses
- Tenure
- Lifetime
- Unique Value
- Dual benefit: protection + saving
Your Savings Journey
- 1 Pay
- →
- 2 Save
- →
- 3 Maturity Payout
- →
- 4 Legacy Transfer
Disclaimer: Names above are shown for educational understanding of plan types. Availability, features and benefits depend on respective IRDAI-registered insurers’ filed products and official benefit illustrations. This is brand-agnostic, need-based guidance.
Foundation First
Protection (Term) Plans
Term insurance ensures your loved ones maintain financial stability even in your absence. It’s pure protection — high cover at affordable cost.
- ₹1 Cr cover can start ~ ₹15/day (age, term & health dependent)
- Popular riders: Accidental, Critical Illness, Waiver of Premium
- Tax benefits: Section 80C & 10(10D)
- Ideal for: Breadwinners, self-employed, new parents
Smart Shield Plus
Flexible term coverage
- Choose level or increasing cover
- Optional riders for wider risks
- Ideal for: Salaried individuals
Saral Swadhan Supreme
Return of premium option
- Get back total premiums on survival*
- Simple issuance, straightforward benefits
- Ideal for: Risk-averse earners
Smart Shield Premier
High cover + riders
- Large sum assured at efficient pricing
- Accident & Critical Illness rider choices
- Ideal for: Young professionals
Pure Term vs Return of Premium (ROP)
Pure Term
- Lowest premium for highest cover
- No maturity payout (protection focus)
- Best for maximizing family security
Term with ROP
- Premiums returned on survival*
- Higher premium than pure term
- Best for savers who prefer certainty
*Subject to policy terms & conditions. Read official benefit illustration before purchase.
Growth + Protection
Wealth Creation with Insurance (ULIP)
These plans combine life cover with investment flexibility. You can switch between equity, debt, and balanced funds to align with your risk profile and goals.
- Dual benefit: protection + market growth
- Fund-switching flexibility
- Tax efficiency under Section 10(10D)
- Ideal for: professionals, investors, goal-based savers
Smart Fortune Builder
Flexible premium + loyalty additions
- Switch among equity, debt & hybrid funds
- Loyalty/periodic additions boost long-term value
- Risk profile: Medium–High
Smart Privilege Plus
Multiple funds with dynamic strategy
- Access diversified fund options with easy switches
- Align allocation to changing goals and risk
- Risk profile: Medium
Future Planning
Child Education & Milestone Plans
Child education plans create dedicated funds for your child’s milestones. Even in case of the parent’s demise, the policy continues — ensuring those goals are achieved without interruption.
- Milestone payouts: school → college → marriage
- Waiver of premium benefit for parent
- Tax-exempt maturity returns
- Ideal for: parents of children under 18
Smart Future Star
Child education + investment
- Helps fund education milestones with guaranteed or bonus payouts
- Continues even after parent’s demise — premium waiver benefit
- Focus: Hybrid growth
Smart Scholar Plus
Future income & milestone security
- Market-linked growth with fund options for long-term goals
- Dual benefit: lump-sum corpus + waiver of premium
- Focus: Guaranteed flow
Education Milestone Timeline
School Years
Protection + Saving starts
College Admission
First payout milestone
Higher Studies
Second payout phase
Marriage / Setup
Final maturity benefit
Income for Life
Retirement & Pension Plans
Retirement planning ensures peace of mind through regular income. Whether you want an immediate annuity or a deferred pension, starting early multiplies comfort later.
- Guaranteed lifetime income
- Joint-life annuity options
- Deferred or immediate pensions
- Ideal for: 40+ professionals & retirees
Retire Smart Plus
Deferred pension with growth potential
- Build a retirement corpus during accumulation years
- Market participation with insurance protection
- Option type: Accumulation (Deferred)
Smart Annuity Plus
Immediate lifetime income
- Start payouts right away or after a chosen deferment
- Single life or joint-life with return-of-purchase-price options
- Option type: Payout (Immediate/Deferred Annuity)
Immediate vs Deferred — Which suits you?
Immediate Annuity
Payouts start within 1–12 months. Best for retirees who already have a corpus.
Deferred Pension
Invest now, receive income later. Ideal for 35–50 age group building their corpus.
Plan at a glance
Compare Plan Types at a Glance
See how each solution maps to a financial goal, risk level, liquidity, and tax treatment.
| Plan Type | Goal | Risk | Returns | Liquidity | Tax Benefit | Ideal For |
|---|---|---|---|---|---|---|
| Protection | Family Security | Very Low | N/A | Low | 80C, 10(10D) | Breadwinners |
| Savings | Guaranteed Growth | Low | Fixed | Medium | 80C, 10(10D) | Long-term planners |
| Wealth (ULIP) | Market Growth | Medium | Variable | High | 80C, 10(10D) | Investors |
| Retirement | Lifetime Income | Low | Moderate | Low | 80C | Retirees |
| Child | Education Goals | Low–Medium | Fixed / Hybrid | Medium | 80C, 10(10D) | Parents |
Protection
- Goal: Family Security
- Risk: Very Low
- Returns: N/A
- Liquidity: Low
- Tax: 80C, 10(10D)
- Ideal For: Breadwinners
Savings
- Goal: Guaranteed Growth
- Risk: Low
- Returns: Fixed
- Liquidity: Medium
- Tax: 80C, 10(10D)
- Ideal For: Long-term planners
Wealth (ULIP)
- Goal: Market Growth
- Risk: Medium
- Returns: Variable
- Liquidity: High
- Tax: 80C, 10(10D)
- Ideal For: Investors
Retirement
- Goal: Lifetime Income
- Risk: Low
- Returns: Moderate
- Liquidity: Low
- Tax: 80C
- Ideal For: Retirees
Child
- Goal: Education Goals
- Risk: Low–Medium
- Returns: Fixed / Hybrid
- Liquidity: Medium
- Tax: 80C, 10(10D)
- Ideal For: Parents
Educational comparison only. Final benefits depend on the specific IRDAI-registered insurer’s terms and the official benefit illustration.
Advisor’s Insight
Why Plan Through an Independent Advisor
Choosing an independent insurance & wealth advisor means you receive unbiased, need-based guidance — not limited to one insurer’s products. Every recommendation is made with your goals, risk profile, and family’s long-term well-being in mind.
Unbiased, Need-Based Guidance
You receive recommendations designed purely around your financial goals — not product sales.
Multi-Insurer Comparison
I compare benefit illustrations and features from multiple IRDAI-registered insurers — so you can see transparent options before deciding.
End-to-End Support
From proposal to claim assistance — you get lifetime support and clarity at every step of your insurance journey.
Still Have Questions?
Quick answers to the most common insurance doubts—clear and unbiased.
What’s the difference between Term and Endowment (Savings) plans?
Term is pure protection—high life cover at low cost; no maturity benefit. Endowment/Savings adds guaranteed savings or income along with life cover. Choose term for maximum protection; choose savings when you want predictable corpus or income.
Which is better for me—Guaranteed Savings or ULIP (Wealth)?
It depends on risk & horizon. Guaranteed = fixed, low-risk returns and no market exposure. ULIP = market-linked growth with fund flexibility (equity/debt/balanced). We’ll compare benefit illustrations for your timeline and risk profile.
Can I buy multiple policies?
Yes. Many families stack a Term plan for protection + a Savings/Retirement/Child plan for goals. We ensure aggregate cover fits your income and liabilities so you’re neither under- nor over-insured.
How do tax benefits work?
Premiums may qualify under Sec. 80C; policy proceeds are typically eligible under Sec. 10(10D) subject to prevailing rules and limits. ULIP/savings taxation can vary by premium size & regulations—always see the latest brochure and tax advisor guidance.
IRDAI Disclaimer & Compliance
All insurance plans discussed on this website are sourced through IRDAI-registered insurers. The content is intended for informational and educational purposes only and does not promote or represent any specific insurer or product. Clients should review official brochures, benefit illustrations, and policy terms & conditions before purchase. Product benefits are subject to underwriting guidelines and prevailing regulations.
- IRDAI Compliant Advisor
- Certified Insurance Planner
- Data Privacy & Confidentiality Commitment
© Praveen Sharma — Independent Insurance & Wealth Advisor. Ambala–Tricity, India.