Life & Health Insurance

Comprehensive protection for your health, wealth, and family's future

Term PlansHealth CoverageTax Benefits

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.