People are the most important resources of any work group, and taking care of them is a key priority. This becomes even more important due to the value placed on death related benefits by the employees. In order to ensure the monetary support for their families in case of unfortunate event of death, employees look to organizations to provide a good financial support. To address the financial liability arising out of loss of life, especially in catastrophic situations, a good risk solution is important. Term life is such a solution providing comprehensive coverage of death.

Organizations looking to provide this benefit have many different structures and schemes to choose from. At AnandRathi, we provide organizations, professional groups and other institutions with effective and appropriate term life solutions. Our experts come with in-depth experience of the dynamics of the insurance market. In addition, we provide end-to-end services from policy design to claims settlement support.

Our Offerings

Life risk consulting 

Get expert advisory on life risk to stay attuned to the best practices and market trends. For example, the policy may offer a fixed benefit or benefit based on rank. There can be schemes to provide cover for outstanding loans, as well as add-on riders for critical illness, accident and disability benefits.

Get the right coverage using our consulting services that include:

  • Benefit benchmarking and recommendations
  • Advisory on add-ons to consider
  • Human Life Value (HLV) calculation

Policy placement 

Term life cover is an annually renewable policy, and premium is calculated based on size of the group, demographics, risk profile and coverage. We reach out to the insurers to negotiate competitive premiums for you. In addition to this, our scope of services extends to policy vetting, invoicing and periodic enrolment/endorsement.
In addition to term life cover, our Relationship Managers also advise on individual life insurance plans including endowment, pure term plan and unit link plan.

Claims management 

We have a team of dedicated professionals to assist you with claims settlement for a hassle-free experience.

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