Almost everyone can benefit from life insurance. It is the best way to ensure that your survivors remain financially secure. Life insurance serves several purposes.

• It can provide mortgage protection — ensuring that your family would not need to give up their home.
• It serves as replacement for income lost by a family wage earner.
• It can help pay for services provided by a family member who usually works in the home.

Several insurance companies might offer health insurance plans that cover pre-existing diseases but may come with a waiting period. Please note that this benefit can vary between insurance companies. It is prudent that you read the terms and conditions carefully before finalising the plan.

Motor insurance cover notes can be verified using the TIRA MIS Portal or TIRA MIS android app (from PlayStore). User is required to enter the sticker or motor vehicle number in the validate sticker or motor insurance cover note field and click validate.

Since the goal is generally to provide for loved ones over a period of time, a common rule is that each provider in the household should have at least ten times their annual salary or annual contribution value. Any outstanding mortgage balance or other large debts should also be considered in your calculation; however, this amount should be in addition to the amount purchased to provide income protection.

As your life changes, your needs do, too. A common recommendation is that you should review life insurance protection at least every 5 years or sooner if a major life event such as marriage, divorce, a new child, home purchase, new job, starting a business or retirement

Not all losses will be covered by a comprehensive policy. Under comprehensive policy, you will be covered for claims made by Third Party or parties for deaths, bodily injuries and property damage caused by your vehicle. You will also be covered for loss of or damage to your vehicle due to fire, theft or any accidental causes. However, there are many exclusions. You should check your policy for these exclusions.You should also note that deaths and bodily injuries of the driver and passengers of your vehicles are not covered under your comprehensive cover.

The following are the benefits of insurance:

1.Peace of Mind:- The knowledge that Insurance exists to meet the financial consequences of certain risks, provides a form of peace of mind.

2.Loss control:- Companies have developed considerable expertise in the Technology of different forms or loss control.

3.Social Benefits:- The fact that the owner of a business has the funds available to recover from loss stimulates the business activity, jobs are being maintained and goods or services can still be sold. Thus people maintain their job and source of their income.

1. Most importantly, stay calm. Getting upset, or worse yelling and screaming, solves nothing. Even if the other person isn’t calm, you should remain calm.
2. Don’t move an injured person — unless they’re in immediate danger.
3. Don’t move your vehicle unless it impedes traffic. This alters the scene and could have negative impacts on a claim.
4. Don’t leave the scene of an accident even if you are capable of doing so. Wait for the police to arrive as they provide an objective witness to the event, and wait for them to say its okay to go. If you leave because the other driver says its okay that won’t protect you if they later file for injuries. If you leave, they may not and you could be accused of a hit and run. Keep in mind that some injuries don’t show up immediately. 
5. Don’t blame the accident on anyone — including yourself. Give your full description of the accident only to the investigating police officer.
6. Exchange information with the other driver. Immediately note the license plate number of other involved vehicles, color and model just in case someone refused to give you insurance information.
7. Contact our office immediately – don’t assume we’ll find out another way. It’s always better to hear from you or someone you designate to call us.

As time passes by, your health conditions might change. Your age, possibility of impact of hereditary illnesses, probably a larger family, or perhaps your financial needs have become more significant, and you want more coverage. You may opt for a plan that can be customised at a later stage of your life, or you can purchase a separate plan to increase the overall health insurance coverage.

It is advisable to buy health insurance when you are young. The premium is lower when you purchase health insurance at an early stage of your life, and you can complete any of the specified waiting periods early