Term Insurance
Protect Your Family's Financial FuturePure life insurance designed to provide financial support to your loved ones in your absence.
- High life cover
- Flexible policy terms
- Optional riders
- Income replacement protection
Protection Services
Protect What Matters Most
True wealth begins with protection. Before building wealth, it is equally important to safeguard your life, health and valuable assets.
Journey2Wealth helps clients understand and explore suitable protection solutions through trusted insurance partners.
Protection Overview
Protection That Covers Every Important Part of Life
Our Protection Services are built around three essential pillars of personal financial security: your life, your health and your vehicle.
Health Insurance
Protect Savings From Medical EmergenciesHealth insurance solutions designed to support individuals and families against eligible medical expenses.
- Individual and family plans
- Cashless hospitalisation
- Critical illness options
- Senior citizen plans
Motor Insurance
Protect Your Vehicle and Your FinancesSolutions for cars, two-wheelers and other vehicles against covered risks and liabilities.
- Third-party cover
- Comprehensive cover
- Optional add-ons
- Claims assistance
Why Protection Matters
Why Protection Comes Before Wealth Creation
Financial planning is not only about growing money.
Unexpected events such as loss of income, medical emergencies or vehicle-related expenses can disrupt even a well-planned financial journey.
Appropriate protection helps reduce these financial risks so that your long-term investments and family goals remain better protected.
Protect Income
Help provide financial support to dependents.
Protect Savings
Reduce the impact of unexpected medical expenses.
Protect Assets
Safeguard vehicles against covered risks and liabilities.
How Journey2Wealth Helps
Protection With Guidance, Not Just Policies
We aim to make insurance decisions simpler and easier to understand.
Understand
We understand your family, responsibilities, health profile, assets and existing coverage.
Compare
Suitable options from relevant insurance partners are evaluated for your requirements.
Choose
We explain features, premiums, exclusions and policy conditions before selection.
Support
Our team assists with documentation and post-purchase support.
Life Protection
Term Insurance
Financial Protection for the People Who Depend on You
Term Insurance is a pure life insurance product that provides a death benefit to the nominated beneficiary if the insured person passes away during the policy term. It can help support household expenses, liabilities and future family goals.
Key Benefits
Eligibility
| Entry Age | 18 to 65 years; varies by insurer |
|---|---|
| Policy Term | Typically 10 to 40 years |
| Sum Assured | Based on income, liabilities and underwriting |
| Residency | Indian residents and eligible NRIs |
| Medical Examination | May be required based on age, health and cover |
| Premium Options | Annual, semi-annual, quarterly or monthly |
Documents Required
- Age proof
- Identity proof
- Address proof
- Income proof
- Recent photographs
- Proposal form
- Medical reports, where required
How It Works
Step 1Assess Your Need
Step 2Compare Plans
Step 3Submit Application and Documents
Step 4Medical Check-Up if Applicable
Step 5Policy Issuance
Health Protection
Health Insurance
Protect Your Family From Unexpected Medical Expenses
Health Insurance can help cover eligible hospitalisation, surgery, daycare procedures and medical treatment expenses up to applicable policy limits.
Individual Plan
Cover for one individual.
Family Floater
Shared cover for eligible family members.
Senior Citizen Plan
Designed for older individuals.
Critical Illness Cover
Benefit for specified illnesses, subject to policy terms.
Key Coverage Areas
Eligibility
| Minimum Entry Age | 91 days for children; 18 years for adults |
|---|---|
| Maximum Entry Age | Varies by insurer and plan |
| Plan Types | Individual, family floater, senior citizen, critical illness |
| Sum Insured | Multiple options based on the plan |
| Initial Waiting Period | Typically applies except for accidents |
| Pre-Existing Disease Waiting | Varies by insurer and condition |
| Pre-Medical Test | May be required |
Documents Required
- Identity proof
- Address proof
- Age proof
- Photographs
- Previous policy, where applicable
- Medical reports, if required
- Proposal form
How It Works
01Share Details
02Compare Plans
03Select Plan
04Pay Premium
05Policy Issued
Already Have Health Insurance?
Journey2Wealth can assist with policy portability at renewal, subject to applicable insurer and regulatory requirements.
Vehicle Protection
Motor Insurance
Protection for Your Vehicle and Financial Liabilities
Motor Insurance helps protect against covered financial losses arising from accidents, theft, vehicle damage and third-party liabilities.
Types of Motor Insurance
Third-Party Insurance
Covers eligible third-party liabilities as per policy terms and applicable regulations.
Comprehensive Insurance
Includes third-party liability and eligible own-damage protection.
Vehicle Types
Key Benefits and Add-Ons
Eligibility
| Vehicle Types | Private, two-wheeler, goods, passenger and eligible others |
|---|---|
| Vehicle Age | Subject to insurer acceptance and inspection |
| Policy Types | Third-party or comprehensive |
| Policy Term | As permitted by current regulations |
| IDV | Based on applicable vehicle value and depreciation |
| Documents | Valid registration and driving licence required |
Documents Required
- Registration Certificate
- Previous insurance policy
- Driving Licence
- Identity proof
- Address proof
- Inspection or photos, where required
- NCB certificate, where applicable
How It Works
01Share Vehicle Details
02Compare Quotes
03Select Add-ons
04Pay Premium
05Receive Policy
Claim Support
Support When You Need It Most
Insurance becomes most important when a claim needs to be made. We help clients understand documentation, insurer requirements and the next steps involved.
Notify
Inform the insurer and Journey2Wealth about the event.
Document
Arrange and submit required claim documents.
Follow Through
Track the claim process and coordinate with relevant parties where applicable.
Frequently Asked Questions
Clear Answers Before You Decide
A common starting point is 10 to 15 times annual income, adjusted for liabilities, dependents and future goals. An advisor can help estimate a suitable amount.
The policy may lapse after the applicable grace period, causing cover to stop. Revival rules vary by insurer and policy.
Often yes, subject to underwriting. The insurer may apply revised terms, exclusions or premium loading. Full and accurate disclosure is essential.
A term plan focuses on pure life protection. Investment-linked or savings plans combine protection with a savings or investment component.
An individual plan gives each person a dedicated sum insured. A family floater shares one sum insured among eligible family members.
These are medical conditions diagnosed or treated before policy purchase. Related claims may be subject to a waiting period and policy conditions.
It is a benefit for claim-free policy periods, often provided as an increase in cover or another renewal benefit, depending on the plan.
Portability may be available at renewal, subject to regulatory guidelines and the new insurer's underwriting requirements.
Third-party liability insurance is mandatory for vehicles driven on public roads, subject to current law and regulations.
Insured Declared Value represents the applicable insured value used for total-loss or theft claims, subject to policy terms.
It is an optional add-on that can reduce depreciation deductions on eligible replaced parts during a covered claim.
At an eligible network garage, approved repair costs are settled between the insurer and garage, while you pay deductibles and non-covered items.
Eligible No Claim Bonus belongs to the policyholder and may be transferred according to insurer procedures and applicable rules.
Take the Next Step
Protect Today. Plan Tomorrow With Confidence.
Speak with Journey2Wealth to understand protection options for your life, health and vehicle.
Insurance products are offered through applicable IRDAI-registered insurance partners and are subject to insurer underwriting, policy terms, conditions, exclusions and applicable regulatory guidelines. Please read the policy wordings carefully before purchasing any insurance product.