Comprehensive Insurance Services
Protecting What Matters Most to You
I offer a complete range of insurance and financial protection services to help you and your family achieve financial security. With 5+ years of experience and access to LIC and multiple leading insurers, I provide personalized solutions tailored to your unique needs.
🛡️ My Services
1. Life Insurance
Protect Your Family's Financial Future
Life insurance is the foundation of financial planning. I help you choose comprehensive life insurance coverage that ensures your family's financial security even in your absence.
What I Offer:
✓ Policy Comparison Across LIC and Private Insurers
- Side-by-side comparison of features, benefits, and premiums
- Access to 10+ insurance companies
- Unbiased recommendations based on your needs
✓ Coverage Amount Assessment
- Scientific calculation based on income, liabilities, and goals
- Human Life Value (HLV) method
- Ensure adequate protection for your family
✓ Premium Optimization
- Find the best coverage within your budget
- Identify cost-saving opportunities
- Payment mode recommendations
✓ Policy Customization
- Add riders for enhanced protection
- Customize policy term and payment options
- Flexible coverage to match life stages
Popular Life Insurance Options:
Traditional Plans:
- Endowment Plans - Protection + Guaranteed Returns
- Money Back Plans - Periodic survival benefits
- Whole Life Plans - Lifelong coverage with maturity benefits
LIC Flagship Products:
- LIC Jeevan Anand
- LIC Jeevan Umang
- LIC New Endowment Plan
- LIC Jeevan Labh
Private Insurer Plans:
- Guaranteed return plans
- Participating plans with bonuses
- Non-participating plans
Ideal For:
- Primary earning members of family
- Parents with dependent children
- Individuals with financial liabilities
- Anyone seeking guaranteed savings with life cover
💰 Premium Range: ₹20,000 - ₹1,00,000+ annually (varies by coverage and plan)
2. Term Insurance
Maximum Protection at Minimum Cost
Term insurance is the purest and most affordable form of life insurance. Get high coverage at extremely low premiums - the smartest way to protect your family's financial future.
Benefits:
✓ High Coverage at Low Cost
- ₹1 crore coverage for as low as ₹8,000-15,000/year
- 10-15 times more affordable than traditional plans
- Best value for money in insurance
✓ Tax Benefits Under Section 80C
- Deduction up to ₹1.5 lakh on premiums paid
- Tax-free death benefit under Section 10(10D)
- Dual benefit: protection + tax savings
✓ Flexible Tenure Options
- Coverage period: 10 to 40 years
- Protection till age 60, 75, 85, or even 100
- Match coverage to your financial responsibility period
✓ Rider Options Available
- Accidental Death Benefit
- Critical Illness Cover
- Accidental Total & Permanent Disability
- Waiver of Premium
- Income Benefit for family
Term Insurance Variants:
Level Term Insurance:
- Fixed sum assured throughout policy term
- Most common and affordable option
Increasing Cover Term:
- Sum assured increases periodically
- Beats inflation over time
Decreasing Term Insurance:
- Coverage reduces over time
- Ideal for loan protection
Return of Premium (TROP):
- Premiums refunded if you survive the term
- Higher cost but provides maturity benefit
Why Term Insurance is Essential:
- Replace your income if something happens to you
- Pay off home loans, personal loans, and debts
- Fund children's education and marriage
- Maintain family's standard of living
- Cover daily household expenses
Recommended Coverage:
Minimum: 10-15 times your annual income
Example: Annual income ₹6 lakhs → Coverage needed: ₹60 lakhs to ₹1 crore
💰 Premium Example: ₹1 crore coverage for 30-year-old = ₹10,000-12,000/year
3. Health Insurance
Safeguard Against Rising Medical Costs
Medical expenses are rising 10-15% annually. Don't let a health emergency drain your life savings. Comprehensive health insurance ensures you get the best treatment without financial stress.
Coverage Includes:
✓ Individual and Family Floater Plans
- Individual Plans: Coverage for single person
- Family Floater: Entire family covered under one sum assured
- Multi-individual: Separate coverage for each family member
- Coverage: ₹3 lakhs to ₹1 crore+
✓ Cashless Hospitalization
- 5,000+ network hospitals across India
- No upfront payment needed
- Direct settlement between insurer and hospital
- Focus on recovery, not finances
✓ Pre and Post-Hospitalization Coverage
- Pre-hospitalization: 30-60 days before admission
- Post-hospitalization: 60-90 days after discharge
- Diagnostic tests, medicines, follow-up consultations
- Ambulance charges
✓ Critical Illness Riders
- Lump sum payout on diagnosis of critical illness
- 30+ illnesses covered (cancer, heart attack, stroke, kidney failure, etc.)
- Use funds for treatment or any purpose
- Independent of hospitalization claims
Additional Benefits:
- Day Care Procedures: Treatments requiring <24 hours hospitalization
- Domiciliary Hospitalization: Home treatment coverage
- AYUSH Treatment: Ayurveda, Yoga, Unani, Siddha, Homeopathy
- Health Check-ups: Free annual health checks
- No-Claim Bonus: Coverage increases every claim-free year
- Maternity Cover: Normal and C-section delivery (waiting period applies)
- New Born Baby Cover: Coverage from day one
- Restoration Benefit: Sum assured restored if exhausted
Specialized Health Plans:
Senior Citizen Health Insurance:
- Coverage for 60+ years age
- Pre-existing disease coverage
- No medical test up to certain limits
- Customized for elderly healthcare needs
Super Top-Up Plans:
- Additional coverage at low cost
- Activates after deductible
- Ideal for high-value protection
Critical Illness Plans:
- Standalone critical illness coverage
- Lump sum benefit
- Covers 30-50 critical illnesses
Recommended Coverage:
| Family Type | Metro Cities | Tier 2/3 Cities |
|---|---|---|
| Individual | ₹5-10 lakhs | ₹3-5 lakhs |
| Family (2-4) | ₹10-15 lakhs | ₹5-10 lakhs |
| With Parents | ₹15-25 lakhs | ₹10-15 lakhs |
💰 Premium Range: ₹5,000 - ₹50,000+ annually (varies by age, coverage, and family size)
4. Retirement Planning
Build a Comfortable Post-Retirement Life
Don't let your golden years be a financial struggle. Start planning today for a comfortable, independent, and dignified retirement with guaranteed pension and annuity plans.
Solutions:
✓ LIC Pension Plans
- LIC Jeevan Akshay VII: Immediate annuity plan for instant pension
- LIC Jeevan Shanti: Deferred annuity with guaranteed pension
- LIC New Jeevan Nidhi: Retirement savings plan with pension options
- Government-backed security and guaranteed returns
✓ National Pension System (NPS)
- Low-cost retirement savings
- Tax benefits under Section 80CCD
- Choice of investment options (Equity, Corporate Bonds, Government Securities)
- Regulated by PFRDA
✓ Immediate Annuity Plans
- Invest lump sum, get pension for life
- Multiple payout options (monthly, quarterly, yearly)
- Pension starts immediately after purchase
- Various annuity modes available
✓ Retirement Calculators
- Free retirement corpus calculation
- Goal-based planning
- Inflation-adjusted projections
- Personalized recommendations
Retirement Planning Benefits:
Financial Independence:
- Regular monthly income after retirement
- No dependency on children or others
- Maintain lifestyle and dignity
Tax Advantages:
- Section 80CCC: Pension plan premium deduction
- Section 80CCD(1B): Additional ₹50,000 deduction (NPS)
- Section 80CCD(2): Employer contribution (10% of basic)
Inflation Protection:
- Plans with increasing pension options
- Market-linked returns (NPS)
- Beat inflation over long term
Annuity Payout Options:
- Life Annuity: Pension for lifetime, stops on death
- Annuity with Return of Purchase Price: Pension for life, capital returned on death
- Joint Life Annuity: Pension continues for spouse after your death
- Annuity Certain: Guaranteed pension for specific period (5, 10, 15, 20 years)
- Increasing Annuity: Pension increases periodically
When to Start:
Age 25-35: Start small, benefit from compounding
Age 35-45: Increase contributions, peak earning years
Age 45-55: Aggressive savings, retirement approaching
Age 55+: Final push, consider immediate annuities
Rule of Thumb: Start retirement planning in your 20s or 30s for maximum benefit!
💰 Investment Range: ₹50,000 - ₹25,00,000+ (lump sum or regular contributions)
5. Child Education Plans
Secure Your Child's Educational Future
Education costs are rising 8-10% annually. Don't let financial constraints limit your child's dreams. Secure their education with dedicated insurance-cum-savings plans.
Features:
✓ Guaranteed Maturity Benefits
- Fixed returns guaranteed at maturity
- Lump sum payment when child needs it most
- No market risk, complete certainty
- Ideal for education milestones (higher education, professional courses)
✓ Premium Waiver on Parent's Demise
- If parent dies, future premiums waived
- Policy continues without any payment
- Child still receives full maturity benefit
- Double protection: life cover + education fund
✓ Flexible Premium Payment Terms
- Single premium: Pay once, secure child's future
- Regular premium: Annual, half-yearly, quarterly payments
- Limited premium: Pay for 5, 7, 10 years, coverage till maturity
- Choose based on financial convenience
✓ Market-Linked Options Available
- ULIP-based child plans
- Potentially higher returns
- Equity and debt fund options
- Suitable for long-term goals (10+ years)
Popular Child Plans:
LIC Child Plans:
- LIC Jeevan Tarun: Term plan for children
- LIC New Children's Money Back Plan: Periodic payouts
- Guaranteed additions and bonuses
- Proven track record
Private Insurer Child Plans:
- HDFC Life Child Plans
- ICICI Prudential Child Plans
- SBI Life Child Plans
- Flexible investment options
Benefits of Child Education Plans:
Financial Discipline:
- Forced savings for child's future
- Can't withdraw prematurely
- Build corpus over time
Tax Benefits:
- Premium deduction under Section 80C
- Maturity proceeds tax-free under Section 10(10D)
Life Cover:
- Parent's life insured
- Protection against unforeseen events
- Peace of mind
Planning for Different Goals:
| Education Milestone | Age | Corpus Needed* | Start Saving |
|---|---|---|---|
| School Education | 5-18 years | ₹5-10 lakhs | From birth |
| Graduation | 18-22 years | ₹10-20 lakhs | By age 5-8 |
| Professional Course (Medical/Engineering) | 18-23 years | ₹25-50 lakhs | By age 5-8 |
| Higher Education Abroad | 21-25 years | ₹50 lakhs - 1 crore | By age 8-10 |
*Estimates, actual costs may vary
When to Start:
Ideal: Within 1 year of child's birth
Good: Before child turns 5
Late but Necessary: Even if child is 8-10 years old
Earlier you start, lower the premium and higher the corpus!
💰 Premium Range: ₹20,000 - ₹2,00,000+ annually (varies by goal and child's age)
6. Investment Plans (ULIP)
Combine Insurance Protection with Wealth Creation
Unit Linked Insurance Plans (ULIP) offer the dual benefit of life insurance protection and market-linked investment returns. Ideal for long-term wealth creation with life cover.
⚠️ Market Risk Warning: ULIPs are subject to market risks. Past performance is not indicative of future returns.
Advantages:
✓ Dual Benefit of Insurance and Investment
- Life cover + Investment growth
- Single premium for both benefits
- Cost-effective compared to separate products
- All-in-one financial solution
✓ Fund Switching Options
- Switch between equity and debt funds
- Free switches (typically 4-12 per year)
- Adapt to market conditions
- Optimize returns based on age and risk appetite
✓ Tax Benefits
- Premium deduction under Section 80C (up to ₹1.5 lakh)
- Maturity proceeds tax-free (if premium ≤ ₹2.5 lakh/year)
- Wealth creation with tax efficiency
✓ Partial Withdrawal Facility
- Withdraw funds after lock-in period (5 years)
- Use for emergencies or goals
- Policy continues with reduced fund value
- Flexibility when you need it
ULIP Fund Options:
Equity Funds:
- High risk, high return potential
- Suitable for long-term (10+ years)
- Ideal for young investors
Debt Funds:
- Low to moderate risk
- Stable returns
- Suitable for conservative investors
Balanced/Hybrid Funds:
- Mix of equity and debt
- Moderate risk
- Balanced approach
Liquid Funds:
- Lowest risk
- Near-guaranteed returns
- Capital protection
ULIP Features:
Flexibility:
- Premium redirection between funds
- Top-up premium facility
- Policy revival options
Transparency:
- All charges disclosed upfront
- Regular NAV (Net Asset Value) updates
- Online fund value tracking
Long-Term Benefits:
- 5-year lock-in period
- Power of compounding
- Rupee cost averaging
- Wealth accumulation
ULIP vs Other Investment Options:
| Feature | ULIP | Mutual Funds | Traditional Insurance |
|---|---|---|---|
| Life Cover | ✓ Yes | ✗ No | ✓ Yes |
| Market-Linked Returns | ✓ Yes | ✓ Yes | ✗ No |
| Tax Benefits | ✓ Yes | Limited | ✓ Yes |
| Lock-in Period | 5 years | None (ELSS: 3 years) | Till maturity |
| Flexibility | Moderate | High | Low |
Ideal For:
- Long-term wealth creation (10+ years)
- Young professionals with risk appetite
- Retirement planning
- Child's higher education
- Tax-efficient investment with insurance
Important Considerations:
- Understand all charges (premium allocation, policy administration, fund management, mortality)
- Stay invested for long term (minimum 10-15 years)
- Review fund performance annually
- Suitable only if you understand market risks
💰 Premium Range: ₹50,000 - ₹10,00,000+ annually (minimum premium varies by insurer)
7. Insurance Portfolio Review
Free Analysis of Your Existing Policies
Already have insurance policies? Not sure if you have adequate coverage or paying optimal premiums? I provide FREE comprehensive portfolio analysis to help you maximize your insurance benefits.
What I Analyze:
✓ Adequate Coverage
- Calculate your actual insurance need
- Compare with existing coverage
- Identify coverage gaps
- Recommend additional coverage if needed
✓ No Policy Overlaps
- Check for duplicate coverage
- Identify redundant policies
- Eliminate wasteful premium payments
- Optimize your insurance portfolio
✓ Optimal Premium Payments
- Review if you're overpaying
- Compare with market rates
- Suggest cost-saving opportunities
- Better products for same coverage
✓ Missed Benefits Identification
- Riders you should have added
- Tax benefits not claimed
- Maturity benefits overlooked
- Bonuses and additions status
- Surrender value optimization
Portfolio Review Process:
Step 1: Share your existing policy documents (all types)
Step 2: I analyze coverage, premiums, features, benefits
Step 3: Prepare detailed portfolio analysis report
Step 4: Discuss findings and recommendations (30-45 mins)
Step 5: Action plan for optimization (if needed)
Common Findings in Portfolio Reviews:
❌ Under-insured: 60% of people don't have adequate life cover
❌ Over-paying: 30% pay higher premiums than necessary
❌ Wrong Products: 40% have products not matching their needs
❌ Missed Tax Benefits: 50% don't optimize tax deductions
❌ Outdated Policies: Old policies with better alternatives available
Benefits of Portfolio Review:
✓ Complete clarity on your insurance status
✓ Identify and fill coverage gaps
✓ Save money on premiums
✓ Maximize policy benefits
✓ Better claims preparedness
✓ Peace of mind
What You Need:
- Copy of all insurance policy documents
- Premium payment receipts
- Nominee details
- Maturity dates
- 30-45 minutes for discussion
This service is 100% FREE with no obligation to purchase anything!
8. Claims Assistance
Complete Support When You Need It Most
Insurance claims can be stressful and complicated. I provide complete hand-holding throughout the claims process to ensure smooth and quick settlement.
My Claims Support:
✓ Documentation Guidance
- Complete checklist of required documents
- Help understand what's needed and why
- Ensure nothing is missed
- Proper format and certification guidance
✓ Claims Filing Assistance
- Accurate completion of claim forms
- Avoid common mistakes that cause delays
- Proper submission to insurance company
- Get acknowledgment and claim number
✓ Follow-up with Insurance Company
- Regular status updates
- Coordinate with claims department
- Respond to queries on your behalf
- Push for timely processing
✓ Settlement Support
- Ensure fair settlement
- Verify claim amount
- Coordinate bank credit
- Resolve any settlement issues
Types of Claims I Assist With:
Life Insurance Claims:
- Death claims (natural and accidental)
- Maturity claims
- Survival benefit claims
- Critical illness claims
Health Insurance Claims:
- Cashless hospitalization coordination
- Reimbursement claims
- Pre-authorization assistance
- Claims follow-up and settlement
Claim Timeline Expectations:
- Health (Cashless): Pre-approved before hospitalization
- Health (Reimbursement): 15-30 days
- Life Insurance (Straightforward): 30 days
- Life Insurance (Investigation): 60-90 days
Why Claims Assistance Matters:
During Difficult Times:
- You're emotionally stressed
- Complex documentation feels overwhelming
- Insurance jargon is confusing
- Don't know whom to contact
I Handle:
- All paperwork and formalities
- Communication with insurance company
- Follow-ups and queries
- Technical terms and processes
My Commitment:
🤝 Available 24/7 for claim intimation
📞 Immediate response to claim-related queries
📋 Complete documentation support
⏱️ Regular updates on claim status
✅ Ensure fair settlement
Important Reminders:
Immediate Steps in Case of Claim:
- Contact me immediately: +91 9784309640
- Intimate insurance company within 24-48 hours
- Preserve all documents and bills
- Don't sign any forms without understanding
- Keep policy document handy
I've successfully assisted 100+ clients with claims worth crores of rupees. You're not alone in this journey!
🎯 Why Choose My Services?
✓ Multi-Company Access
Access to LIC and 10+ private insurers for unbiased recommendations
✓ 5+ Years Experience
Helped thousands of families secure their financial future
✓ Free Consultation
All advisory services completely free with no hidden charges
✓ Personalized Solutions
Customized recommendations based on your unique needs, not one-size-fits-all
✓ Lifetime Support
Not just policy sale - ongoing support for policy servicing and claims
✓ Transparent Advice
Clear explanations, no jargon, complete disclosure of all terms
✓ Local Service
Face-to-face meetings, home visits available across Rajasthan
✓ Quick Response
Available via phone, WhatsApp, email - respond within 24 hours
📞 Ready to Get Started?
Let's discuss your insurance needs and create a customized protection plan for you and your family.
Schedule Your Free Consultation Today!
📱 Call/WhatsApp: +91 9784309640
📧 Email: tirgarkuriya@gmail.com
📍 Office: Manglam Complex, Banswara 327001, Rajasthan India
🕒 Available:
Monday - Saturday: 10:00 AM - 7:00 PM
Sunday: By Appointment
💬 What to Expect in Consultation?
During our meeting, we'll discuss:
✓ Your family structure and financial situation
✓ Current insurance coverage (if any)
✓ Financial goals and concerns
✓ Budget and premium affordability
✓ Customized recommendations
✓ Clear comparison of options
✓ All your questions answered
No pressure to buy - Take your time to review and decide!
🏆 Client Success Stories
"जब मेरे बेटे का जन्म हुआ, तो मैंने सिर्फ एक ही बात सोची — उसका भविष्य हर हाल में सुरक्षित रहना चाहिए।तभी मैंने Keyur जी से बात की और उन्होंने मुझे LIC की अमृत बल योजना समझाई। आज मैं निश्चिंत हूं कि चाहे मैं रहूं या नहीं, मेरे बेटे Kiaan के सपने अधूरे नहीं रहेंगे। ये सिर्फ इंश्योरेंस नहीं, एक पिता की शांति है जो Keyur जी ने हमें दी।" — Kiaan के पिता, संतोष तिरगर
"बीमारी किसी को बता कर नहीं आती, और जब हमारी बेटी Chinu बीमार हुई तो Star Health की पॉलिसी ने हमारी सबसे बड़ी मदद की।
हॉस्पिटल का पूरा खर्च कैशलेस हुआ और हम सिर्फ बेटी की देखभाल में लगे रहे।
उस वक्त एहसास हुआ कि Keyur जी का सुझाव कितना सही था।
आज भी जब Chinu मुस्कुरा कर खेलती है, तो दिल से धन्यवाद निकलता है — Keyur Insurance Advisor को।" — Chinu की माँ, भावना तिर्गर
📋 Service Areas
Serving All Over Rajasthan: Jaipur • Jodhpur • Udaipur • Kota • Ajmer • Bikaner • Alwar • Sikar • Bhilwara • All Cities & Towns
Consultation Options:
- 🏢 Office Visits
- 🏠 Home Visits (Local Areas)
- 📹 Video Calls
- 📞 Phone Consultations
Keyur Tirgar
LIC Agent Code: 04699-102
IRDA Certified Insurance Adviser
Serving All Over Rajasthan Since [Year]
Your financial security is my responsibility. Let's work together to protect what matters most to you.
Disclaimer: Insurance products are subject to terms and conditions of respective insurance companies. This page provides general information only. For personalized advice and complete product details, please schedule a consultation. ULIPs are subject to market risks. Read all scheme-related documents carefully.