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  • aarushadvisors@gmail.com

  • 407, 4th floor sankalp,

  • near nanpura police chowky, nanpura, surat.

Our Services

Personal Insurance

Achieve your financial goals with our wide range of solutions.

Investing and saving a portion of your money is essential to achieving your long-term personal finance goals. We all have different starting points, personalities and circumstances. To accommodate this diversity and to help all our clients grow their investment portfolios, Sanlam offer a comprehensive range of personal finance solutions, with different levels of risk, potential returns and asset class exposure.

Life Assurance

  • Decreasing Term Assurance
    • The least expensive of the Term Assurances, Decreasing Term Assurance does what it says on the label. The level of benefit decreases as the term of the policy runs; the premiums do not however reduce. The premiums are fixed throughout the policy term, and the premium level is lower than that of Level Term Assurance as a result of the decreasing benefit. This type of life assurance is commonly used to protect Capital & Repayment mortgage debt. Typically the policy reduces the protection assuming a Mortgage Interest Rate of 10%. Many are paying mortgage interest at around 5% and, providing interest rates do not go over 10%, the benefit should reduce slower than the mortgage debt, ensuring repayment of the mortgage debt in full. However, there is no guarantee that the level of cover will match the outstanding debt upon a claim.

      • Provides a lump sum on death or terminal illness which can be used to cover outstanding repayments on a mortgage or loan
      • The level of cover reduces each year - in line with the sum you owe
      • If you die within the term of the policy, it will pay out a lump sum, to help clear whatever is outstanding on your debt at that point, however, there is no guarantee that the lump sum paid will enable you to clear your outstanding debt in full
  • Increasing Term Assurance
  • Family Income Benefit
  • With-profits Policies
    • Policies that are with-profits give the insured the extra benefit of a possible bonus that is a share of the profits from the funds that the premiums have been invested in.

      How and where the premiums are to be invested is worth establishing if you are going to invest in a with-profits product, such as single premium insurance bonds for example. But as with all long-term investments in the stock market or in interest bearing instruments it is important to stay with them for the long term. That way they have time to build up and "smooth" the short term ups and downs in rates of return. The with-profits endowment policy is also a means of regular long-term saving and has the potential for a good return, but there is no guarantee of the final (maturity) value of the policy.

      Some policies may also benefit from terminal bonuses if they are held for their full term. When choosing insurance products for investment it is important to be aware of what charges, fees or commissions may be attached to them and when profits and bonuses are added to the policies. Some, for example, will be heavily weighted with charges at the beginning of their policy life.

      Once any bonuses have been added, they cannot normally be taken away. Growth and bonuses cannot be usually guaranteed in advance but any bonuses will be added to your sum insured, bringing a possible investment return over the years of your life insurance policy.

      With-profits bonds are usually another way of investing in with-profits funds by paying a single insurance premium.

  • Whole of Life Policies

Health

  • Private Medical Insurance
    • It's when you need to make a claim that you realise just how wise investing in health and medical insurance can be.

      With hospital queues still growing, private medical insurance is an appealing, though often expensive, buy.

      And what you pay for is what you get. Premiums are worked out on the basis of age and the type of cover required and there is a wide range of different insurances to choose from.

      At the basic level PMI kicks in when you need specialist treatment or you need to go into hospital. Some policies cover you if the NHS cannot provide treatment within a certain period of time.

      At the luxury end of the market there are policies that cover a wide range of medical services such as dentistry, eye care and even spectacles, although the more a policy covers, the higher the premium will be.

  • Critical Illness Insurance