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Life insurance is a financial protection plan that pays a fixed amount of money to your nominated beneficiaries if something happens to you during the policy term. It helps secure your family’s future by providing financial support in case of an unexpected loss.

The premium for a life insurance policy is decided based on multiple factors such as your age, medical history, overall health condition, lifestyle choices (like smoking or drinking), occupation, and the coverage amount you choose. These elements help insurers assess risk and determine the premium amount.

Life insurance plays a crucial role in protecting your family’s financial future. In case of an unforeseen event, it provides financial support to help manage household expenses, outstanding loans, children’s education, and other essential needs, ensuring your loved ones remain financially secure.

Yes, buying life insurance online is completely safe when you use trusted and reliable platforms. Reputable websites ensure secure transactions, data protection, and full transparency, making the process convenient and hassle-free.

Yes, life insurance premiums are eligible for tax deductions under Section 80C of the Income Tax Act. You can claim deductions for the premiums paid for yourself, your spouse, and your children, subject to the overall limit of ?1.5 lakh in a financial year.

A health insurance premium is the amount you pay to the insurance company to keep your policy active. The premium is calculated based on factors such as your age, medical history, overall health condition, and the level of coverage you choose.

If you do not pay your health insurance premium within the due date, your policy may lapse after the grace period. This means your coverage could be suspended, and you will not be able to claim benefits for medical expenses until the policy is renewed.

Yes, smoking can significantly influence your health insurance premium. Since smokers are considered at a higher risk of developing medical conditions, insurance providers generally charge higher premiums compared to non-smokers.

Instassure Insurance simplifies the way customers access insurance and financial solutions. It allows users to compare, select, and purchase a wide range of insurance products — including health, motor, and life insurance — from leading insurers, all through a convenient and transparent platform.

For any questions or assistance, you can email us at info@instassure.in. Our customer support team is available from 9:30 AM to 6:00 PM.

If you already have a policy with us and would like to renew it, please contact our Customer Support Helpline at 9167395968 for prompt assistance.