Life involves risks. There is always a risk & fear that something can go wrong, such events have financial and emotional consequences and to protect us from suchoutrageous events we need adequate Insurance protection. Appropriate insurance planning helps you to avoid dis-investment of your existing portfolio.As independent advisors, we help you assess to cover your needs and help set up appropriate plans to cover any shortfalls in existing arrangements.  

We believe plan for the worst, hope for the best!!! 

At PWA, we offer our clients with the following Life Insurance:

1.Term Plan

Term Plan offers insurance protection for a limited period only whereby the money is paid if you pass away or if you suffer total and permanent disability.

2.Whole Life Policies

Life-long protection and premiums are paid throughout your life and the money including any bonuses will be paid when you pass away or suffer total and permanent disability.

3.Endowment Policies

A combination of protection and savings whereby the money will be paid at the end of a specific period upon your demise or if you suffer total and permanent disability.

4.Money Back Policies

Money back plans are one of the most widespread life insurance plans. These life insurance plans offer periodic pay outs to the policyholder as survival benefits during the term of the policy. Thus they offer both investment and insurance in one package.

5.ULIP Policies

The ULIPs or Unit Linked Insurance Plans are one where the financial worth of a policy is dependent on the present net asset value of the core investment assets related to it. These policies are both flexible and protective, which is a unique feature. The premiums of these policies are used to buy investment asset units selected by the policy owners. The benefits paid to you or your nominee will depend on the price of the units at the time you surrender your policy or when you pass away.