Transform Your MSME with Smart Business Insurance
Tax-efficient wealth transfer solutions for Indian businesses
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What is Business Insurance?
Business Insurance (also called Employer-Employee Insurance or Keyman Insurance) is when your company buys a life insurance policy on the life of important people in the business – like you (the owner), directors, or key employees.
Think of it like this: Your company is investing in protecting its most valuable asset – the people who run it!
Transform Your MSME with Smart Business Insurance
Who Pays?
Your company pays the premium (and gets tax benefit!)
Who's Insured?
You (the director/owner/key person)
Who Benefits?
You and your family get all the maturity/death benefits
Why Do You Need Business Insurance?
Real problems, real solutions
The Problem
Imagine you want to buy a house or make personal investments. You need ₹1 crore from your company. But here’s the catch:
You worked hard to earn that ₹1 crore, but traditional withdrawal methods cost you dearly in taxes!
The Solution: Business Insurance
With Business Insurance (Employer-Employee scheme):
Step 1: Your company pays premium → Company saves tax
Step 2: Policy matures after some years → Money comes to YOU
Step 3: You pay tax only when you receive it (deferred taxation)
Result: Save lakhs in taxes + Build wealth + Protect family!
Common MSME Challenges
We understand what keeps business owners up at night
Business Continuity
What happens to your business if something happens to you? Protect your enterprise from unexpected disruptions.
High Tax Burden
Paying High tax on withdrawals?
There’s a better way to transfer wealth from your company.
There’s a better way to transfer wealth from your company.
Family Protection
Safeguard your family’s interests while building your business legacy for the next generation.
Working Capital
Need liquidity without liquidating assets? Access funds when you need them most.
Employee Retention
Keep your best talent without expensive ESOP structures. Cost-effective retention strategies.
Legacy Planning
Ensure smooth succession and equitable wealth distribution among your heirs.
Our Business Insurance Solutions
Tailored for MSMEs across India
Employer-Employee Insurance
The most tax-efficient wealth transfer mechanism.
Premium is business expense
Benefits go directly to employee/director
Save tax
Tax deferred until maturity
Premium is business expense
Benefits go directly to employee/director
Save tax
Tax deferred until maturity
Keyman Insurance
Protect your business from key person risk.
Ensure business continuity
Cover loss of critical personnel
Premium allowed as expense
Quick claim settlement
Ensure business continuity
Cover loss of critical personnel
Premium allowed as expense
Quick claim settlement
Retirement Planning
(FG Pension)
Secure your post-retirement lifestyle
Lifelong guaranteed income
No TDS on payouts
Minimal age restrictions
Legacy benefit to next generation
Lifelong guaranteed income
No TDS on payouts
Minimal age restrictions
Legacy benefit to next generation
