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Life Insurance

Protect your family’s future with a life cover that supports them financially—even when you’re not around.

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ABOUT company Understand the Basics

What Does Life Insurance Mean?

Life insurance is a contract between you and an insurer that promises financial protection to your loved ones in the event of your untimely death. In exchange for regular premiums, the insurer pays out a lump sum—called the death benefit—to your nominee. It’s more than just a policy; it’s peace of mind that your family stays financially secure.

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12+ Years of Experience

Proven expertise in broking for individuals and businesses.

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IRDAI Licensed Broker

Fully authorized, professional insurance advisory services.

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Pan-India Presence

Serving clients digitally and through local POS networks.

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End-to-End Assistance

From policy quotes to claims support, always by your side.

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Go Digital, Stay Secure

Benefits of Buying Life Insurance Online

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Instant Access to Plans

Compare multiple life insurance options side by side and get quotes in minutes—no paperwork needed.

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100% Transparent Process

Understand features, exclusions, and premiums clearly before making a decision.

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Complete Control & Convenience

Apply anytime, from anywhere, with zero pressure and full flexibility to choose what suits you best.

Secure What Truly Matters

Why Life Insurance Should Be a Part of Your Financial Plan

01

Income Replacement

Helps your family maintain their lifestyle in your absence by replacing lost income.

02

Debt Protection

Ensures loans like home or personal EMIs don’t burden your family after you’re gone.

03

Child’s Future Security

Covers future education and life goals of your children without financial stress.

04

Tax Benefits

Save on income tax with premiums and payouts under Sections 80C and 10(10D).

05

Peace of Mind

Sleep better knowing your loved ones are covered against life’s uncertainties.

06

Affordable Premiums

Get high coverage at low rates when you buy early, especially through term plans.

One Size Doesn’t Fit All

Choose a Life Insurance Plan That Fits Your Goals

Term Insurance

Pure protection plan offering high coverage at affordable premiums, ideal for income replacement.

Whole Life Plan

Covers you for life (usually up to 99 years) and ensures guaranteed payout to your family.

Endowment Plan

Combines life cover with savings to help build a financial corpus over time.

Unit Linked Insurance Plan (ULIP)

Offers market-linked returns along with life cover—ideal for long-term investors.

Child Plan

Secures your child’s future education and milestones even in your absence.

Retirement Plan

Helps you build a post-retirement income stream with life cover protection built in.

Insurance with Trust & Technology

The Itus Advantage for Life Insurance Buyers

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Multiple Insurer Tie-ups

Access plans from top insurers across India—all in one place.

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Expert, Unbiased Advice

Get the right plan for your goals—not a one-size-fits-all recommendation.

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Easy Comparisons

Transparent side-by-side comparisons for benefits, premiums, and features.

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Fast Digital Process

Buy online with instant quotes, easy documentation, and quick issuance.

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Claim Support That Cares

Our team is with you every step of the way—from documentation to settlement.

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Trusted by Thousands

A track record of helping families secure their future, with high satisfaction scores.

Simple & Fast

Steps to Get Your Life Insurance Online

1. Enter Basic Details

Share your age, income, and lifestyle habits for accurate plan recommendations.

2. Compare & Choose

Review options from multiple insurers and select the plan that fits your needs.

3. Make Payment & Get Policy

Pay securely online and receive your policy instantly—straight to your inbox.

Hassle-Free Support When It Matters Most

How to File a Life Insurance Claim

01

Inform the Insurer

Notify the insurer about the policyholder’s passing through the helpline or website.

02

Submit Required Documents

Provide the claim form, death certificate, ID proofs, and policy documents.

03

Track & Receive Payout

The insurer will verify details and release the death benefit to the nominee.

Got Questions? We’ve Got You Covered

Frequently Asked Questions About Life Insurance

Anyone who has dependents, Like a spouse, children, or aging parents—should consider getting a life insurance plan. If your income supports your family’s daily expenses or future goals, life insurance ensures they remain financially secure even in your absence. It's one of the most important financial safety nets for working individuals.

The earlier you buy life insurance, the better. Premiums are lower when you’re young and healthy, making it more affordable over the long term. Starting early also helps you lock in lower costs while giving your policy more time to build value, especially if you opt for savings or ULIP-based plans.

Term insurance offers high life cover at low premiums but doesn’t offer maturity benefits, it’s pure protection. Other plans like endowment, ULIPs, or whole life combine protection with savings or investment elements. Choose based on whether your goal is just financial protection or wealth building alongside coverage.

Yes, you can buy more than one life insurance plan to meet different financial goals. For example, a term plan can protect your family’s income needs, while an endowment or ULIP can help with savings. Having multiple policies can also improve your claim security and flexibility over time.

Not always. Many life insurance companies offer plans without medical tests for certain age groups or coverage limits. However, for higher sums assured or if you have health conditions, a medical exam may be required. Disclosing health information accurately ensures smooth claims later.

Yes, as long as your policy is active and all disclosures were honest at the time of purchase, the insurer will pay the death benefit. Term insurance guarantees payout in case of death during the policy term, while endowment and ULIP plans may also offer maturity benefits if you survive the term.

Experts recommend life cover equal to at least 10–15 times your annual income. You should also factor in ongoing family expenses, outstanding loans, and your children's education costs. Using a life insurance calculator online can help you arrive at a suitable coverage amount.

Yes, life insurance policies allow you to change or update the nominee anytime during the policy tenure. This can be done easily through your insurer’s website or by submitting a change request form. Keeping nominee details updated ensures the benefits reach the right person without delay.

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Email: cs@itus.co.in Call: +91 9390107451

ITUS INSURANCE BROKERS PRIVATE LIMITED, Valid Till date 22 / 10 / 2025,
Category - Direct Broker (General & Life Insurance), Principal officer name: Mr. M. N. Prasad, Contact No.: 91+ 9966078855, Email ID: po@itus.co.in

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