Protect What Matters Most

Comprehensive insurance plans designed for Indian families. From life to health, we've got you covered.

Term Life Insurance

Pure protection plans that secure your family's financial future in your absence.

High Cover at Low Cost
Tax Benefits u/s 80C
Critical Illness Riders
Claim Settlement Support
Return of Premium Options
Accidental Death Benefit

Why do you need it?

In India, the cost of living is rising. A term plan ensures your dependents can maintain their lifestyle, pay off loans, and fund education even if you aren't around.

ULIPs (Unit Linked Insurance Plans)

Dual benefit of insurance protection and investment growth in one plan.

Life Cover + Investments
Flexibility to Switch Funds
Tax Benefits u/s 80C & 10(10D)
Partial Withdrawals Allowed
Multiple Fund Options
Transparent Charges

Best for wealth creation

ULIPs combine insurance and investment, helping you build wealth while protecting your family. Lock-in period of 5 years ensures disciplined saving.

Whole Life Plans

Lifelong protection with guaranteed maturity benefits for your family.

Coverage Till 99-100 Years
Guaranteed Maturity Benefit
Cash Value Accumulation
Loan Against Policy
Estate Planning Tool
Tax-Free Maturity

Lifetime security

Unlike term insurance, whole life plans provide coverage throughout your life and build cash value over time, perfect for legacy planning.

Annuity Plans (Pension Plans)

Secure regular income post-retirement for a financially independent future.

Guaranteed Regular Income
Immediate or Deferred Options
Life Annuity with Spouse Cover
Protection Against Inflation
Tax Benefits on Purchase
No Market Risk

Retirement peace of mind

Annuity plans ensure you receive steady income after retirement, helping maintain your lifestyle without depending on others.

Endowment Plans

Traditional insurance with guaranteed savings and bonus payouts.

Life Cover + Savings
Guaranteed Maturity Benefit
Bonus Accumulation
Tax Benefits u/s 80C
Fixed Premium Term
Loan Facility Available

Safe and steady growth

Endowment plans are ideal for risk-averse individuals seeking guaranteed returns along with life protection for specific goals like education or marriage.

Married Women's Property Act Policy

Exclusive ownership rights for married women to secure family wealth.

Exclusive Ownership Rights
Protection from Creditors
No Claims by Husband's Creditors
Tax Benefits Available
Guaranteed Payout to Wife
Estate Planning Tool

Financial security for wives

Under MWP Act, the policy proceeds belong exclusively to the wife and children, protecting them from business risks and ensuring their financial independence.

Frequently Asked Questions

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First Ray Finserve

Your trusted partner for financial growth and security in India. We simplify insurance and investments for every Indian family.

Contact Us

  • 📍2/314, New Sonal Link Industrial Estate, Link Road, Malad West, Mumbai 400064
  • 📞+91 98212 60162
  • 📧info@firstraygroup.com

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Insurance is a subject matter of solicitation. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.