Loan-linked Insurance

Keep your family safe with the Insurance cover that secures EMIs and your home.

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Credit Life Insurance

Protect your loved ones with a cover that clears the loan if something happens to you, so your family never loses the home

Protect your family
The cover clears the loan so your loved ones can keep the home.
Peace of mind
No worries about EMIs, your family stays safe and secure.
Your choice, not compulsory
It’s up to you to choose and safeguard the interest of your loved ones.
SIMPLE STEPS
Choose cover
Pick Credit Life or EMI Protection that matches amount & tenure
Get quote & terms
Check premium type (single/regular), waiting periods & exclusions
Issue & assign
Policy is issued and may be assigned to the lender for the loan term
Free-look window
Typically up to 30 days to review & cancel with allowable deductions
Single/Regular premiumFree-look ~30 daysAssignment to lender (as applicable)

Eligibility

  • Borrower (and co-borrowers) on the home/secured loan; age limits as per insurer
  • Sum assured & tenure aligned to loan amount and term; underwriting as per policy

Documents

  • KYC; loan sanction/statement; medical declaration as applicable
  • For property insurance: property details, address and insured sum

Final terms vary by insurer and policy wording.

Is insurance mandatory with a loan?
No. It’s often recommended, but the choice and insurer remain yours. Always read the policy wording.
What is Credit Life (decreasing term)?
Life cover that broadly tracks your outstanding loan; benefit can repay the loan if an insured event occurs.
What does EMI Protection cover?
Pays a set number of EMIs for covered events after waiting periods. Exclusions apply—check the fine print.
Can I cancel if I change my mind?
Most policies offer a free-look period (often up to 30 days) from receipt—cancellation rules apply.
We’ll help you compare benefits, costs and terms—no pressure.