Protect Your Future. Plan Your Financial Growth.

A first salary is a good time to set up a few basics that can grow with you.

Worth looking at

• Health InsuranceProtect

  Cover through an employer usually ends when you change jobs. A personal policy can sit alongside it.

• Life InsuranceProtect

  If someone depends on your income, term cover is worth a look. Premiums are generally lower when you start younger.

• Mutual FundsGrow

  A small monthly SIP can build the habit of investing early. Returns depend on the market and are not guaranteed.

• Financial PlanningGrow

  A simple budget, an emergency fund and a list of priorities make later goals easier.

Two incomes, shared plans and new responsibilities. A good moment to look at protection together.

Worth looking at

• Life InsuranceProtect

  Your spouse may come to rely on your income. Life cover can help them manage if something happens to you.

• Family InsuranceProtect

  Compare keeping separate policies with moving to a family floater plan that covers you both.

• Health InsuranceProtect

  Check whether your cover can include your spouse, and note any waiting periods, including for maternity.

• Financial PlanningGrow

  Sitting down with both incomes and goals in one place helps you agree on priorities.

A new family member changes what your cover needs to do. Some things are best checked early.

Worth looking at

• Family InsuranceProtect

  Find out how and when a newborn can be added to your family's cover.

• Health InsuranceProtect

  Maternity and newborn benefits vary a lot between policies and often have waiting periods.

• Life InsuranceProtect

  A growing family may need a larger cover amount than you have today.

• Education Savings PlansGrow

  Starting early gives your savings more years to build towards future school and college costs.

Every vehicle on the road needs insurance. Knowing what your policy covers helps at claim time.

Worth looking at

• Vehicle InsuranceProtect

  Third-party cover is required by law. Comprehensive cover also protects your own vehicle, and we can remind you before renewal.

A home is often a family's biggest purchase, and sometimes its biggest loan.

Worth looking at

• Home InsuranceProtect

  Cover for the building and your belongings against the risks listed in the policy, such as fire or burglary.

• Life InsuranceProtect

  If you have a home loan, life cover can help your family keep up the repayments if something happens to you.

Education costs tend to rise every year. Planning ahead gives you more choices later.

Worth looking at

• Education Savings PlansGrow

  Estimate what the course may cost by the time it's needed, allowing for rising fees.

• Mutual FundsGrow

  A regular SIP is one way to save towards a goal that is several years away. Returns depend on the market.

When the salary stops, your savings need to cover the years ahead, including health costs.

Worth looking at

• Retirement PlanningGrow

  Work out roughly how much you may need each month, and for how many years.

• Health InsuranceProtect

  Health costs often rise with age. Check renewal terms, waiting periods and any co-pay before you retire.

• Wealth ManagementGrow

  Review your existing savings and investments together so they suit the years ahead.