AVSSERVICES
Insurance plans

Protect your family with the right plan.

We explain life, savings and health plans in plain language, compare options for your needs, and stay with you from application to claim.

Get free advice See plan types

How we help

  • Needs-based advice, not pushy selling
  • Side-by-side comparison of suitable plans
  • Help with forms, medicals and documents
  • Support at renewal and claim time
Plan types

Plans for every stage of life

Tap a plan to see how it works. Exact plan names, features and availability are confirmed with the insurer when you apply. Pictures are simple illustrations, not actual figures.

A smiling Indian family of five standing together 01 Your family, protected
Term insurance

High life cover at a low premium, so your family stays secure if something happens to you.

Small yearly premiumSumassuredCover for family
If something happens to you during the policy term, your family receives the full sum assured as a lump sum.
  • Lowest premium for the highest cover
  • Replaces your income for your family
  • Optional riders for accident or critical illness
A doctor talking with a patient in a hospital bed 02 Cashless at network hospitals
Health cover

Covers hospital bills for you and your family, with cashless treatment at network hospitals.

AdmittedCashlessrequestInsurerapprovesBillsettledThe insurer pays the network hospital directly
At a network hospital you show your health card, the hospital asks the insurer for approval, and the approved bill is settled directly.
  • One plan can cover the whole family
  • Hospital stay, surgery and day-care treatment
  • We explain waiting periods and exclusions first
A pink piggy bank sitting on a pile of gold coins 03 Save with discipline
Savings plans

Build a fund for future goals while keeping life cover in place.

Life cover throughout the termYear 1Maturity
You pay regularly, your fund builds year by year, and you receive the maturity amount at the end, with life cover all through.
  • Fixed habit of saving every year
  • Money for a house, wedding or big goal
  • Life cover stays on while you save
A phone showing a stock market chart in front of a bigger chart 04 Market-linked growth
ULIPs

Life cover plus market-linked investment. Returns are not guaranteed and depend on fund performance.

₹PremiumLife coverFundsValue goes up and down
Part of your premium buys life cover and the rest goes into funds you choose. The fund value moves with the market.
  • Choose equity, debt or balanced funds
  • Switch funds as your goals change
  • Returns are market-linked, not guaranteed
A happy senior Indian couple embracing outdoors 05 Income after you stop working
Retirement plans

Build a corpus and get a regular income after you stop working.

RetireEvery monthSave while workingRegular income
You build a corpus while you earn. After retirement it turns into a regular income, monthly or as you choose.
  • Steady income when the salary stops
  • Plan for medical and daily costs
  • Options for you and your spouse
A smiling boy with glasses studying at a desk 06 Your child's future, planned
Child plans

Secure your child's education and future goals, even if you are not around.

TodaySchoolCollegeDreamsPremium waiver: the plan carries on for your child
Money arrives at key stages like school and college. Many child plans include a premium waiver, so the plan continues even if the parent is not around.
  • Fund school fees and higher studies
  • Payouts timed to big milestones
  • Premium waiver keeps the plan going
Our approach

Advice that starts with your needs

We don't start with a product. We start with your family, income, loans and goals — then show you what fits.

  • We explain exclusions and waiting periods up front
  • No promises of guaranteed returns on market-linked plans
  • Help with every renewal and claim
An advisor explaining insurance options to a client

Understand

A short call about your family, income and goals.

Compare

Suitable plans side by side, in plain language.

Apply

We help with forms, medicals and documents.

Support

Renewal reminders and claim help, for life.

Insurance is the subject matter of solicitation. AVServices is an [authorised agent / POSP — add insurer name and licence or registration number]. AVServices is not the insurer.

For details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. ULIP returns are market-linked and not guaranteed. Tax benefits are subject to changes in tax laws.

FAQ

Insurance questions, answered

Is AVServices an insurance company?

No. AVServices helps you choose and buy the right insurance plan. The policy is issued by the insurer, and all benefits and terms are as per the policy document.

How much life cover do I need?

A common rule of thumb is 10 to 15 times your yearly income, plus any loans. We look at your income, debts and goals to suggest a sensible amount.

What is the difference between a term plan and a ULIP?

A term plan gives pure life cover at a low premium and pays out only on death during the term. A ULIP combines life cover with market-linked investment, so returns can go up or down.

Do you help with claims?

Yes. We help you with the claim forms and documents and follow up with the insurer until the claim is settled.

Can I get tax benefits on these plans?

Many life and health insurance premiums are eligible for tax benefits under the Income Tax Act, subject to current rules and limits. We explain what applies to your plan.

Talk to an advisor, free

Tell us a little about your family and goals. We will suggest plans that fit.

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