Life & Health Insurance
Comprehensive protection for your health, wealth, and family's future
Your Pillars of Financial Security
At Dhanam Financial Services, we believe insurance isn't just about policies—it's about creating lifelines that protect your family, health, income, and dreams from life's uncertainties. Our experts help you build comprehensive coverage tailored to your unique needs.
Financial Security
Protect your family's lifestyle and future goals
Tax Savings
Section 80C & 80D deductions up to ₹1.75 lakh
Debt Protection
Cover home loans and other liabilities
Wealth Creation
Grow savings through investment-linked plans
Life Insurance Solutions
Ensure your family's financial security even in your absence with our comprehensive life insurance plans. We help you choose coverage that matches your protection needs and financial goals.
Term Insurance
Ideal for: Primary earners
Key Features:
- High coverage at low cost
- Pure protection
- Flexible terms
Whole Life Plan
Ideal for: Legacy planning
Key Features:
- Lifetime coverage
- Savings component
- Loan facility
Endowment Plan
Ideal for: Guaranteed returns
Key Features:
- Fixed maturity benefits
- Bonus payments
- Life cover
ULIP
Ideal for: Market-linked growth
Key Features:
- Investment + insurance
- Fund switching
- Tax benefits
Child Plan
Ideal for: Education/marriage
Key Features:
- Maturity benefits
- Waiver of premium
- Guaranteed payouts
Retirement Plan
Ideal for: Pension needs
Key Features:
- Regular income post-retirement
- Annuity options
- Tax-free corpus
Health Insurance Plans
Protect yourself from rising medical costs with health insurance that covers hospitalization, critical illnesses, and more. Our advisors help you find plans that offer comprehensive coverage at affordable premiums.
Individual Health
Covers: Personal medical needs
Key Benefits:
- Hospitalization
- Day care procedures
- Pre/post hospitalization
Family Floater
Covers: Entire family
Key Benefits:
- Shared sum insured
- Lower premiums
- Newborn coverage
Senior Citizen
Covers: Aged 60+
Key Benefits:
- Higher sum insured
- Pre-existing conditions
- No claim bonus
Critical Illness
Covers: Major diseases
Key Benefits:
- Lump sum payout
- 30+ covered illnesses
- Survival period
Top-Up Plans
Covers: Additional protection
Key Benefits:
- High deductible
- Cost-effective
- Employer plan supplement
Why Choose Dhanam Financial Services
Personalized Advisory
We analyze 20+ parameters to recommend plans that match your needs, not sales targets. Our commission-free advice ensures unbiased recommendations.
Claim Support
Our dedicated team assists with documentation, follow-ups, and escalation to ensure smooth claim settlements with insurers.
Insurance FAQs
How much life insurance coverage do I need?
We recommend 10-15 times your annual income plus outstanding liabilities. Our needs analysis calculates the exact amount based on your financial obligations.
Can I get health insurance with pre-existing conditions?
Yes, many insurers cover pre-existing conditions after a waiting period (typically 2-4 years). We'll find insurers with the most favorable terms for your situation.
What's better - term insurance or traditional plans?
Term plans offer maximum coverage at minimum cost for pure protection. Traditional plans combine insurance with savings. We'll help you choose based on your goals.
How do I maximize my health insurance tax benefits?
Combine individual and family floater plans, include parents (additional ₹50k deduction), and consider top-up plans for comprehensive Section 80D benefits.
Ready to Start Investing?
Our financial advisors will help you select the right mutual funds based on your goals, risk tolerance, and investment horizon.