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We provide Financial Advisory and Facilitation services for Insurances, Investment, Loans. Below are the details:

INSURANCE

Our insurance company offers various life insurance plans for every single person to whom needs Life Insurance policy and we provide the best suitable insurance policies and plans to everyone, based on their own life requirements and needs. We are doing better services to our valuable customers with their 100% satisfaction. We provide our clients with the very best we can offer from cutting-edge life insurance products to add-on services.

Below are the list of the Insurance Policies that are in great demand:

Jeevan Shanti Plan

Plan:

This is a single premium plan wherein the Policyholder has an option to choose an Immediate or Deferred annuity.
The annuity rates are guaranteed at the inception of the policy for both Immediate and Deferred Annuity and annuities are payable throughout the life time of Annuitant(s).
This plan can be purchased offline as well as online. To purchase the plan online, please contact us email info@aparamservices.com.

For more details, please click Policy Document

Benefits:

  • Make one time investment and get Guaranteed life long income.
  • 9 different annuity options to choose from to suit every need and circumstance.
  • Option to choose either Immediate Annuity or postpone it to a future date as Deferred Annuity.
  • Annuity rates are guaranteed from inception of the policy.
  • Guaranteed additions during deferment period.
  • This policy can be taken on own life or as joint life with grandparent, parent, children, grandchildren, spouse or siblings.
  • Loan Available: Loan facility shall be available after completion of 1 policy year.
  • Surrender Allowed: The policy can be surrendered at anytime after three months from the completion of policy when Annuity Option is with return of purchase price.
  • Free look Period: If the Policyholder is not satisfied with the “Terms and Conditions” of the policy, the policy may be returned to the Corporation within 15 days.
  • Option to take the plan for the benefit of handicapped dependant (Divyangjan) life.

 

Jeevan UMANG Policy

Jeevan Umang plan offers a combination of income and protection to your family. This plan provides for annual survival benefits from the end of the premium paying term till maturity and a lump sum payment at the time of maturity or on death of the policyholder during the policy term.

For more details, please click Policy Document & Sales Brochure

Endowment Policy

New Endowment Plan is a participating non-linked plan which offers an attractive combination of protection and saving features. This combination provides financial support for the family of the deceased policyholder any time before maturity and good lump sum amount at the time of maturity for the surviving policyholders. This plan also takes care of liquidity needs through its loan facility.

1. Benefits:
Death benefit:
In case of death during the policy term provided all due premiums have been paid Death benefit, defined as sum of "Sum Assured on Death" and vested Simple Reversionary Bonuses and Final Additional bonus, if any, shall be payable. Where, “Sum Assured on Death” is defined as higher of Basic Sum Assured or 10 times of annualised premium. This death benefit shall not be less than 105% of all the premiums paid as on date of death.

Where premiums exclude service tax, extra premium and rider premiums, if any.

Maturity Benefit: Basic Sum Assured, along with vested simple reversionary bonuses and Final Additional bonus, if any, shall be payable in lump sum on Survival to the end of the policy term provided all due premiums have been paid.

Participation in Profits: The policy shall participate in profits of the Corporation and shall be entitled to receive Simple Reversionary Bonuses declared as per the experience of the Corporation, provided the policy is in full force.

Final (Additional) Bonus may also be declared under the policy in the year when the policy results into a claim either by death or maturity, provided the policy has run for certain minimum term.

2. Optional Benefit:
 Accidental Death and Disability Benefit Rider is available as an optional rider by payment of additional premium. In case of accidental death, the Accident Benefit Sum Assured will be payable as lumpsum along with the death benefit under the basic plan. In case of accidental permanent disability arising due to accident (within 180 days from the date of accident), an amount equal to the Accident Benefit Sum Assured will be paid in equal monthly installments spread over 10 years and future premiums for Accident Benefit Sum Assured as well as premiums for the portion of Basic Sum Assured which is equal to Accident Benefit Sum Assured under the policy, shall be waived.

For more details please click Policy Document & Sales Brochure.


Money Back Policy

New Money Back Plan-20 years is a participating non-linked plan which offers an attractive combination of protection against death throughout the term of the plan along with the periodic payment on survival at specified durations during the term. This unique combination provides financial support for the family of the deceased policyholder any time before maturity and lump sum amount at the time of maturity for the surviving policyholders. This plan also takes care of liquidity needs through its loan facility.

1.Benefits:

Death benefit: On death during the policy term provided the policy is in full force, death benefit, defined as sum of “Sum Assured on Death” and vested Simple Reversionary Bonuses and Final Additional Bonus, if any, shall be payable. Where, “Sum Assured on Death” is defined as higher of 125% of the Basic Sum Assured or 10 times of annualized premium. This death benefit shall not be less than 105% of the total premiums paid as on date of death.

The premiums mentioned above exclude tax, extra premium and rider premium, if any.

Survival Benefits: In case of Life Assured surviving to the end of the specified durations 20% of the Basic Sum Assured at the end of each of 5th, 10th & 15th policy year.

Maturity Benefit: In case of Life Assured surviving the stipulated date of maturity, 40% of the Basic Sum Assured along with vested Simple Reversionary Bonuses and Final Additional Bonus, if any, shall be payable.

Participation in Profits: The policy shall participate in profits of the Corporation and shall be entitled to receive Simple Reversionary Bonuses declared as per the experience of the Corporation, provided the policy is in full force.

Final Additional Bonus may also be declared under the policy in the year when the policy results into a claim either by death or maturity, provided the policy has run for certain minimum term.

2.Optional Benefit:

 Accidental Death and Disability Benefit Rider can be opted for under an inforce policy at any time within the premium paying term by payment of additional premium and the cover will be available throughout the policy term provided the Policy is inforce for the full Sum Assured as on date of accident. In case of accidental death, the Accident Benefit Sum Assured will be payable as lumpsum along with the death benefit under the basic plan. In case of accidental permanent disability arising due to accident (within 180 days from the date of accident), an amount equal to the Accident Benefit Sum Assured will be paid in equal monthly instalments spread over 10 years and future premiums for Accident Benefit Sum Assured as well as premiums for the portion of Basic Sum Assured which is equal to Accident Benefit Sum Assured under the policy, shall be waived.

However, on surrender of an inforce basic policy (which has acquired Surrender Value) to which this rider is attached, a proportion of additional premium charged in respect of cover after premium paying term shall be refunded.

For more details please click Policy Documents & Sales Brochure

 

Children's Policy
 

For details about New Children's Policy please click Policy Documents & Sales Brochure

Retirement Plans

For details about New Children's Policy please click Policy Documents

 

 

 

 

INVESTMENT

Equity:  In the long term, investment in Equities has delivered better returns as compared to other asset classes like FDs, bonds and other short-term investments. Investment in Equities is seamless and convenient with technology bringing the stock investment at your fingertips. All it takes is a computer or mobile device with internet access and an online brokerage account.

Benefits

  • Potentially high returns to grow wealth
  • Regular income through dividends
  • Easy to liquidate as Shares can be sold
  • Can help beat inflation
  • Easy tracking of your portfolio

 

Mutual Fund:  We facilitate you a simple and convenient way to invest and manage your personal finance with mutual fund schemes.

Benefits of choosing Mutual Fund investment are:

  • Convenience :Provides a well-diversified set of investment products under a single sign-on and completely paper-less investing experience
  • Expertise :You can access some of the researched funds selected based on rigorous criterion
  • Flexibility :You may select the fund that best suits your need

Pick the investment that is right for you

Since the process of selecting the right mutual fund may feel complex and tedious, our experts have researched the funds and using certain criterion have created a list of such recommended funds. You may choose to invest in the choice of funds suggested by our experts or may build your own portfolio, basis your own research.

 

Futures &Options (F&O):

 

Futures

You can now trade in index and stock futures on the NSE. In Futures trading, you take buy/sell positions in index or stock(s) contracts having a longer contract period of up to 3 months.

  • Trading in FUTURES is simple! If, during the course of the contract life, the price moves in your favour (i.e. rises in case you have a buy position or falls in case you have a sell position), you make a profit.
  • Presently only selected stocks, which meet the criteria on liquidity and volume, have been enabled for futures trading.
  • Calculate Index and Know your Margin are tools to help you in calculating your margin requirements and also the index & stock price movements.

Options

An option is a contract, which gives the buyer the right to buy or sell shares at a specific price, on or before a specific date. For this, the buyer has to pay to the seller some money, which is called premium. There is no obligation on the buyer to complete the transaction if the price is not favorable to him.

  • To take the buy/sell position on index/stock options, you have to place certain % of order value as margin. With options trading, you can leverage on your trading limit by taking buy/sell positions much more than what you could have taken in cash segment.
  • The Buyer of a Call Option has the Right but not the Obligation to Purchase the Underlying Asset at the specified strike price by paying a premium whereas the Seller of the Call has the obligation of selling the Underlying Asset at the specified Strike price.
  • The Buyer of a Put Option has the Right but not the Obligation to Sell the Underlying Asset at the specified strike price by paying a premium whereas the Seller of the Put has the obligation of Buying the Underlying Asset at the specified Strike price.
  • By paying lesser amount of premium, you can create positions under OPTIONS and take advantage of more trading opportunities.

 

Currency:

We offers you a simple and convenient way to trade and hedge your currency risk in four pair of Currencies- Dollar, Euro, Pound and Japanese Yen against Indian Rupee.

By offering you the choice of trading in different asset class of Currencies we offer you the opportunity to diversify your portfolio.

 

Advantages of this market:

  • Trading hours of 09:00 am to 05:00 pm provide more trading opportunities
  • Trade in prominent currencies like US Dollar, EURO, Pound, Yen against Indian Rupee
  • No Counterparty Default risk due to settlement guarantee by regulated clearing house :
  • Low Taxation (No STT and CTT)
  • Daily Cash Settlement in INR via MTM (Mark to Market)

 

ETF:

Exchange Traded Funds or ETFs are securities that are traded, like individual stocks, on an exchange. Unlike regular open-end mutual funds, ETFs can be bought and sold throughout the trading day like any stock.

Most ETFs charge lower annual expenses than many mutual funds. As with stocks, one must pay a brokerage to buy and sell ETF units.

The benefits of choosing ICICI direct for your ETFs are:

  • Invest in a paperless manner
  • No need to cut cheques
  • Get instant confirmation
  • Calculate capital gains at click of a button
  • Check portfolio for realized and unrealized profit/loss

How to buy or trade in ETFs

You can buy and sell Gold, Index, Banking or International ETFs online through your ICICI direct account.

 

Fixed Deposits/Bonds:

We offer a range of Corporate Fixed Deposits varying in tenures, interest rates & institutions to suit your investment needs. The deposit schemes have been specially chosen from high-safety options to ensure that you enjoy the twin benefits of returns and protection.

Why opt for Corporate Fixed Deposits?

  • If your risk appetite is low, fixed deposits are perfect for you. Since most of the instruments are rated, corporate fixed deposits have a very high safety level
  • Attractive returns at interest rates higher than banks's Fixed Deposits
  • Higher Interest rates for senior citizens
  • High liquidity, most of these issuers offer 75% of the investment amount as loan @ 2% over the interest rate on the deposit, as well as a pre-mature withdrawal Option
  • Potential to earn compounding interest on your money by reinvesting the principal amount along with the interest earned
  • Flexible tenure - there are various tenures ranging from 1 to 7 years
  • You can choose interest frequency; most issuers offer monthly, quarterly, bi annual and annual cumulative deposits
  • You get direct ECS credit facility for interest payments or advance interest warrants for the year issued by most issuers

 

 

National Pension Scheme (NPS):

NPS is a pension scheme introduced by Central Government. It is a plan to accumulate a pension corpus during work life for a secured retired life. Retirement planning ranks high amongst the various life goals.

 

Key Benefits

  • NPS helps you to accumulate pension wealth for peaceful retirement
  • NPS gives you choice to invest in Equity, Corporate bonds, Government Securities and Alternative Investment funds either through (Active option) or Life-Cycle Fund through (Auto option) based on your risk appetite
  • NPS gives you choice to select from among spectrum of Pension Fund Manager as per your choice
  • NPS also gives you opportunity to earn market based returns over long term
  • You can also avail tax benefits on your NPS investment
  • NPS is a cost-effective investment option available

 

For more details, please click here

 

 

 

LOANS

If you are looking for the best loan consultancy services, then you owe it to yourself to get in touch with us. When a large sum of money is required, most people will turn to loan companies to get the financial support required. We arrange various types of loans that caters to your needs. We offers a wide variety of Loan Products to suit your requirements. We strive to provide loans at your doorstep. You can choose any of our below mentioned loan products.

 

 

  • Home Loans
  • Loans Against Securities (LAS)
  • Employee Stock Ownership Plan (ESOP) Funding
  • Personal Loan
  • Business Loan
  • Unsecured Loan
  • Mortgage Loan
  • Housing Loan
  • Vehicle Loan
  • Education Loan

For more details, please click here