True wealth management begins with protection. Vishwas Financials offers comprehensive insurance advisory across life, health, business, and asset categories — safeguarding your financial future against every uncertainty.
Over 80 insurance solutions for individuals, families, business owners, and enterprises — curated from India’s most trusted insurers and tailored to your exact needs.
Pure protection that ensures your family’s financial goals are secured regardless of life’s uncertainties.
Explore →Comprehensive medical cover for individuals, families, and senior citizens — never pay hospital bills out-of-pocket.
Explore →The dual benefit of market-linked investment growth combined with life insurance protection in a single plan.
Explore →Comprehensive coverage for your home structure and contents against damage, theft, fire, and natural disasters.
Explore →End-to-end commercial coverage — keyman insurance, liability, asset protection, and business continuity plans.
Explore →Ensures your loan obligations are met in the event of death, disability, or critical illness — protecting your family from debt.
Explore →Group health, group term life, and group personal accident plans for businesses to protect their most valuable asset — people.
Explore →Lump-sum payout on diagnosis of 30+ critical illnesses including cancer, heart attack, and kidney failure — when you need it most.
Explore →Life and term insurance form the bedrock of every financial plan. A term plan provides a massive lump-sum payout to your family at an extremely low premium — ensuring that your income is replaced and your family’s goals (children’s education, home loan repayment, retirement) remain unaffected in your absence.
₹1 crore life cover available from as low as ₹600–800 per month for a 30-year-old — the highest value protection instrument in personal finance.
Lifetime coverage with a savings component — builds a cash value over time and provides guaranteed payout on maturity or death claim.
Get all your premiums returned if you outlive the policy term — combining the best of pure protection with a guaranteed maturity benefit.
Accidental death rider, waiver of premium, critical illness rider, and income benefit rider — enhancing your base cover at minimal additional cost.
Healthcare inflation in India runs at 14–15% annually. A single hospitalisation without adequate cover can wipe out years of savings. Our health insurance advisory ensures you have the right cover amount, the right plan type, and the right insurer — so a medical emergency never becomes a financial one.
Comprehensive hospitalisation cover for salaried individuals and self-employed professionals with cashless treatment at 10,000+ hospitals.
One policy covering your entire family under a shared sum insured — the most cost-effective way to protect everyone you love.
Dedicated plans for individuals above 60 with no pre-existing condition exclusions after waiting period and enhanced coverage for age-related conditions.
Lump-sum payout on diagnosis of 30+ critical illnesses — cancer, heart attack, stroke, kidney failure — regardless of actual hospitalisation cost.
Cost-effective way to enhance your existing cover — super top-up plans aggregate all claims and activate when total bills exceed the deductible.
Employer-sponsored group health plans for small and medium businesses — attract and retain talent with world-class healthcare benefits.
Unit Linked Insurance Plans (ULIPs) combine the growth potential of market-linked investments with the security of life insurance cover. Modern ULIPs have significantly lower charges than older versions, making them a genuinely competitive wealth-building tool for disciplined long-term investors.
Choose from equity, debt, balanced, and money market funds. Switch between funds free of charge to align with market conditions and your changing risk appetite.
Premium deduction under Section 80C, maturity proceeds exempt under Section 10(10D), and partial withdrawals tax-free after the 5-year lock-in period.
Access a portion of your fund value after the mandatory 5-year lock-in — providing liquidity in genuine emergencies without full policy surrender.
Guaranteed life coverage for the full policy term ensures your family receives the higher of fund value or sum assured in case of an unfortunate event.
For most Indians, their home is their single largest financial asset. Yet fewer than 2% of homes in India are insured. General Insurance protects your property structure and contents against fire, flood, earthquake, theft, and other covered perils — at remarkably affordable premiums.
Covers the physical structure of your home against fire, lightning, explosion, flood, earthquake, cyclone, riot, and other natural or man-made perils.
Protection for your furniture, appliances, electronics, jewellery, and valuables inside the home against damage, theft, or burglary.
Covers temporary living costs while your home is being repaired, plus third-party liability for accidents on your property.
As a business owner, your enterprise faces unique risks that personal insurance cannot address. From loss of a key person to commercial liability claims, fire damage to inventory, or cyber attacks — we design comprehensive business insurance programmes that keep your operations secure and your finances protected.
Protects your business against financial losses caused by the death or permanent disability of a key employee or partner whose skills are critical to operations.
Compensates for lost revenue and fixed costs when your business is forced to halt operations due to fire, flood, or other insured perils.
Covers your office, factory, warehouse, stock, plant, and machinery against fire, flood, earthquake, theft, and other perils at replacement value.
Shields company directors and officers from personal liability arising from managerial decisions, governance disputes, or regulatory investigations.
Covers your business against financial losses from data breaches, ransomware attacks, and cyber fraud — critical in India’s rapidly digitising business environment.
Taking a home loan, car loan, or personal loan is a significant financial commitment that typically spans 10–30 years. Loan protection insurance — also called credit life insurance — ensures that your outstanding loan balance is paid off by the insurer in the event of your death or permanent disability, protecting your family from inheriting your debt.
Reduces outstanding home loan liability to zero in the event of the borrower’s death. Cover decreases in line with outstanding loan balance over time.
Fixed sum assured throughout the policy term — ideal when the loan outstanding remains constant or you want your family to receive additional funds beyond loan repayment.
Not just death — the best loan protection plans also cover permanent total disability and critical illness, where your loan EMIs continue to be paid even while you recover.
Most Indians are significantly under-insured. Use this calculator to estimate your ideal life cover and health insurance amount based on your personal profile.
A quick comparison of the most important insurance products to help you make an informed decision.
| Feature | Term Plan | Term + TROP Popular | ULIP | Whole Life |
|---|---|---|---|---|
| Life Cover | ✓ | ✓ | ✓ | ✓ |
| Premium Amount | Lowest | Low–Moderate | Moderate | Highest |
| Maturity Benefit | ✗ | Premiums Returned | Fund Value | Sum Assured |
| Investment Component | ✗ | ✗ | ✓ | Partial |
| Section 80C Benefit | ✓ | ✓ | ✓ | ✓ |
| Tax-Free Maturity | N/A | ✓ | ✓ | ✓ |
| Liquidity | ✗ | ✗ | After 5 Years | After 3 Years |
| Ideal For | Pure Protection | Protection + Return | Wealth + Cover | Long-Term Saving |
Vishwas Financials provides end-to-end claims support — you never have to navigate the claims process alone.
We are empanelled with India’s leading life and general insurers, giving you unbiased access to the best plans across the market.
Real stories from Kolkata families who made the right insurance decisions with our guidance.
I never thought I needed a ₹1 crore term plan until Vishwas Financials showed me exactly how little my family would receive from my EPF and savings alone. They helped me get ₹1.5 crore cover at just ₹980 per month. Best financial decision I have ever made.
My father was hospitalised for a bypass surgery and the bill was ₹8.5 lakhs. Because Vishwas Financials had advised us to take a comprehensive family floater with a super top-up two years earlier, we paid zero out of pocket. They also handled the entire cashless claim process for us.
As a small business owner I had no keyman insurance and no business interruption cover. Vishwas Financials built a complete commercial insurance programme for my printing business. When we had a fire incident last year, the claim covered our entire loss and kept us operational.
We simplify insurance so you can make confident, informed decisions. If your question is not here, ask us directly.
Ask Us DirectlyThe standard recommendation is 15–20 times your annual income, plus the full value of all outstanding loans. For example, if you earn ₹10 lakhs per year and have a ₹30 lakh home loan, your minimum cover should be ₹1.5–2 crore plus ₹30 lakhs = ₹1.8–2.3 crore. Our insurance calculator above gives you a personalised estimate, and our advisors will refine it based on your full financial profile.
Direct online purchase can be cheaper but comes with significant risks: choosing the wrong cover amount, missing important riders, selecting an insurer with poor claims track record, or making errors in the medical disclosure that could lead to claim rejection. An advisor like Vishwas Financials ensures correct need assessment, proper disclosure, optimal rider selection, and crucially — claims support when your family needs it most. The small additional cost is worthwhile insurance against claim rejection.
A top-up plan activates once a single hospitalisation claim crosses the deductible threshold. A super top-up plan, however, aggregates all claims during the policy year — so even if each individual claim is small, once your total annual claims exceed the deductible, the super top-up kicks in. Super top-up plans are significantly more useful for families with elderly parents who may have multiple smaller hospitalisations in a year.
Yes — IRDAI now mandates that all health insurers cover pre-existing conditions after a waiting period, typically 2–4 years depending on the insurer and plan. Some specialized plans have shorter waiting periods. It is critical to disclose all pre-existing conditions truthfully at the time of application, as non-disclosure is the most common reason for claim rejection. We help you choose plans with the most favorable waiting periods and terms for your specific health profile.
Absolutely yes. Employer group cover typically ends the moment you resign, retire, or are laid off — precisely when you may be most financially vulnerable. At that point, buying a new individual policy is far more expensive (older age, higher premium) and you may face loading or exclusions due to any health conditions developed in the interim. A personal policy portability ensures continuous coverage regardless of employment status.
A ULIP combines life insurance with market-linked investment. Consider a ULIP if you have already secured adequate pure term cover, want a tax-efficient long-term (10+ year) investment with the flexibility to switch between equity and debt funds, and are comfortable with a 5-year lock-in. If you do not yet have sufficient life cover, always buy a pure term plan first. We never recommend ULIPs as a replacement for term insurance.
Free, unbiased insurance advisory from Kolkata’s trusted financial experts.
Our advisors will help you understand your exact insurance needs, compare plans across insurers, and choose the right cover at the best premium.
Kolkata, West Bengal, India
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Our experts respond within 24 business hours with personalised recommendations.