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Life Insurance

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Life Insurance

Life Insurance helps you to shield your family members from uncertainties in life which results in financial losses . It doesn't matter how much you have saved , sudden uncertainities always tend to affect your family financially. Securing your family's future is one of the prime goals of life.

Trinity offers products which provide you with adequate life cover at nominal cost and which provide your family with complete security.

Life Insurance Needs


Your Needs when you are young and single
  • Save for a home and wedding
  • Tax Planning
  • Save for Golden Years
Your Needs when you have just married
  • Planning for home/securing your home loan liability
  • Save for your first child
Your Needs when you are planning for retirement
  • Provide for regular income post retirement
  • Immediate Tax benefits
  • Lead a secure,independent and comfortable lifestyle in your retirement years
Your Needs when you have become proud parent
  • Provide for children’s education
  • Safeguarding family against loan liabilities
  • Savings for post-retirement

Personal Life Insurance Products


Whole Life Plan

Life Term Plan : Cheapest form of insurance, where you pay only for the  risk coverage, life is covered for a particular period. In case of any eventuality, insurer pays the sum assured.

Money Back Plan : Unlike ordinary endowment insurance plans where the survival benefits are payable only at the end of the endowment period, money back policies provide for periodic payments of partial survival benefits during the term of the policy, of course so long as the policy holder is alive.

Endowment Plan : It takes care of your long-term investment needs and gives you the best balance between Risk coverage and savings.

Children Plan : Plan for children, offers good liquidity at different intervals of child's age, which supports the expense of education or marriage.

Single Premium Plan : Onetime investment best suitable for people with surplus funds looking for short-term appreciation. This plan gives you a high IRR.

Retirement Plan : A retirement plan is an assurance that you will continue to earn a satisfying income and enjoy a comfortable lifestyle, even when you are no longer working.

Unit Linked Plan
: Unit-linked life insurance offers the interesting option of combining protection and tax advantages of life insurance with the attractive prospects of investing in equities. A unit-linked plan works on a minimum premium basis and not on a sum assured one. You decide the amount you can contribute at regular intervals. ULIP offers you insurance cover till your insurance needs are fulfilled, beyond that it becomes an investment avenue.

Riders :
Add on benefits are available by paying a little extra premium. Riders generally offered are accidental death and disability rider, Critical illness rider, Double sum insured rider and waiver of premiums in case of disability etc.

Life Insurance Products for Corporate


Group Term Plan : Life insurance coverage purchased by an employer for a group of employees. Such insurance is renewable on a year-to-year basis and does not accumulate in value; that is, no cash surrender value is built up.

Group Superannuation Plan : Tax-efficient means of retirement planning, which is applicable for both, Defined Benefit and Defined Contribution Funds.

Group Gratuity Plan : Gratuity is a statutory benefit paid to employees who have worked in an organization for at least 5 years. Under the Payment of Gratuity Act, 1972, your employees are eligible for 15 days of pay for each completed year of service. You can structure a gratuity benefit such that it is higher than statutory requirements Group Gratuity Plan enables you to fund your gratuity obligation in a systematic manner while enjoying applicable tax benefits at the same time.

Employer-Employee Insurance Plan : Employer buys insurance for one or more employees. Employer pays the premium. Employer enjoys the tax benefit. The policy under Employer employee can be purchased only on the life of the employee. Only term plans can be sold under this scheme.

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