Term Life Insurance
Financial protection for dependants in the event of the policyholder's death. We help you think through liabilities, income replacement and future financial responsibilities when considering the cover amount.
Insurance & Protection
Protect what matters most.
From life and health protection to motor and asset cover, Finyra helps you understand policy features, exclusions and eligibility before you choose.
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Core protection areas
1:1
Guided support
Clear
Policy explanation
Protection review
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Look beyond the premium.
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01
Understand what the policy is designed to cover
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02
Review exclusions, waiting periods and important conditions
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03
Compare useful features and applicable add-ons
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04
Keep the required information ready for underwriting
Policy issuance, premium, coverage, exclusions and claim decisions
remain subject to the terms and underwriting of the issuing insurer.
Protection portfolio
Protection built around the risks you actually face.
Different risks need different policies. The aim is not to buy more cover; it is to understand which cover, limits and conditions are relevant to you.
Health & Medical
Health cover can differ significantly in room-rent limits, waiting periods, co-pay provisions, network hospitals and exclusions. We help you understand those details before you choose.
Motor & Asset Protection
Explore protection for vehicles, homes and eligible commercial assets, including optional add-ons and policy features where offered by the insurer.
Why Finyra
We make the policy easier to understand.
Insurance wording can be dense. A useful review should make the important conditions easier to see—not bury them under a long list of features.
01
Exclusion clarity
Understand important exclusions, waiting periods, limits and conditions before choosing a policy.
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Needs-first review
Start with the actual risk and financial need rather than selecting a policy purely on the headline premium.
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Add-on discipline
Consider optional riders or add-ons only when they have a clear purpose for your situation.
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Post-sale support
Keep policy documents, insurer contacts and claim-related information organised for future reference.
Pricing & underwriting
What can influence your premium?
01
Age & profile
Age, occupation and other profile information can be relevant to an insurer's underwriting and pricing.
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Medical history
Existing conditions, medical history and health disclosures may affect eligibility, terms or premium.
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Lifestyle information
Certain habits and lifestyle factors can be considered in life and health underwriting.
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Coverage & options
Sum insured, policy tenure, deductibles and selected add-ons can affect the final policy cost.
Final premium, acceptance, exclusions and policy terms are determined by
the issuing insurance company following its underwriting process.
How it works
A clearer path to the right cover.
We help you understand the need, compare the important details and prepare the information required for the insurer's process.
Understand the risk
Identify the people, health needs or assets that need protection.
Review options
Compare the features, exclusions, waiting periods and costs that matter.
Submit information
Provide accurate application and medical or supporting information where required.
Policy decision
The insurer underwrites the application and determines the final policy terms.
Required information
Keep the basics ready.
Exact requirements vary by product and insurer. Accurate disclosure is especially important when completing an insurance application.
Identity & KYC
PAN, identity/address proof and other basic KYC information as required.
Income Details
Income or financial information may be needed for certain life or high-value policies.
Medical Information
Relevant medical history, past treatment and current medication details where applicable.
Existing Policies
Previous policy details can be useful when reviewing renewal, replacement or additional cover.
Frequently asked questions
Insurance, answered clearly.
What is a waiting period in health insurance?
A waiting period is a period during which certain treatments or conditions
may not be covered under the policy. The duration and applicable conditions
depend on the specific insurance product.
Why consider personal health insurance if I already have employer cover?
Employer-provided cover is linked to the terms of the employer's group policy
and your employment. A separate policy can provide additional continuity,
subject to its own terms, eligibility and premium.
What is Claim Settlement Ratio?
Claim Settlement Ratio is one metric used to understand an insurer's
claims experience. It should be considered alongside other information,
such as policy terms, claim process, product coverage and the nature of claims.
Can incomplete or inaccurate medical disclosure affect a claim?
Material information requested in the application should be disclosed accurately.
Non-disclosure or inaccurate information can affect underwriting or a later
claim decision depending on the policy terms and circumstances.
Take the next step
Protect the things that matter with better clarity.
Tell us what you want to protect and our team can help you understand the relevant insurance route and next practical steps.