Finior Financial-Planning for Life and Business

Life Insurance

Protect Your Loved Ones and Plan for Tomorrow with Confidence

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Life Insurance for Your Families

The basic reason why life insurance exists is to replace you financially when you die. If you have people who depend on you financially like parents, spouse, and children, this is the first insurance recommendation given to you.

But buying life insurance isn’t just an emotional decision showing how much you care about your family; it has other benefits as well.Some life insurance policies can be used to get loans, others can help you save tax, and some can even help you build a corpus for your retirement.

However, knowing which one to take is tricky. The language in the insurance documents is never clear and many advisors’ mis-sell life insurance.

For us, giving advice on the type of life insurance you should buy depends on everything from your current family situation to the future life you want to live. Our advice is structured around protecting you and your family’s future.

And if we can help you save tax while doing all of this. Well then! That’s just a bonus.

What people say

In today's scenario, advisership runs only knowledge & commitment to the business. Shirish is one of that kind. Highly committed, knowledgeable & can be blindly believed in. In simple words, he is MADE FOR THIS INDUSTRY.
- Kiran Prasad (AVP, Aditya Birla Sun Life Insurance)
I have been associated with Shirish bhai for over 15 years and he has provided invaluable advice and financial management for these years . I find his advice to be clear, especially in layman's terms. He sets out the options, allowing people to make their own decisions based on his sound advice.

would wholeheartedly recommend Shirish bhai to anyone who is need of financial services. SVP And Head Revenue Assurance and Policy Servicing.
- Mr. Vikas Khanna (ABSLI)
Post Covid the Scenario is different, people want to invest, open for discussions about Insurance Investments.
But, because of unrestricted exposure to digital media, investors fail to decide through whom to invest, an individual/expert or online which attracts people by the word DISCOUNT.
In such scenario, Mr. Vora walks in. He not only shows empathy towards helping every individual he meets in growing their hard earned money with the abundant knowledge he has, but also, stays ahead in matters of any service requests at any given point of time. This is a sheer lacking in other investment platforms & also, many others individual available in the Industry who pretend to have knowledge & the will to help. The accolades he has garnered till date speaks volumes as a proof of his calibre.
I would always URGE people to meet Mr. Vora ones, to actually acknowledge what I have written in my testimony.
Wishing him all the luck, God give him enough & more strength to serve many many more in the days to come.
- Mr. Kiran Prasad (Nirma)
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FAQs

Q: What is life insurance and why do I need it?

A: Life insurance is a contract between an insurance policyholder and an insurer, where the insurer promises to pay a designated beneficiary a sum of money in exchange for a premium, upon the death of an insured person. It’s essential for providing financial security to your loved ones by covering future living expenses, debts, and education costs in your absence.

Q: How do I determine the amount of life insurance coverage necessary for my family?

A: To determine the necessary amount of life insurance, consider your current financial obligations, such as debts and daily living expenses, and future needs like your children’s education and retirement plans for your spouse. A common approach is to aim for 20 times your annual income.

Q: What should I consider before selecting a life insurance policy?

A: Consider factors such as your financial needs, age, health, budget, the financial stability of the insurer, and the policy’s features and benefits to ensure it aligns with your long-term financial goals.

Q: How do premiums vary between different life insurance policies?

A: Premiums vary based on the type of policy, your age, health, lifestyle, and the amount of coverage. Term policies typically offer lower premiums, while permanent policies are higher due to the lifetime coverage and cash value benefits.

Q: Can I update or change my life insurance policy once it's in place?

A: Many policies allow changes, such as increasing coverage or converting a term policy to a permanent one. However, changes might require additional underwriting and could affect your premiums.

 

Q: What is the process for filing a claim on a life insurance policy?

A: To file a claim, submit a death certificate and claim form to the insurance company. The insurer will review the claim and, if approved, disburse the benefit to the beneficiaries listed on the policy.

Q: What if the premium you suggest is too high?
A: That’s why we prefer to consult with you before we give you solutions. We are real people behind the solutions we offer, we are not an automated bot or a faceless platform. We only suggest premiums to you that you can afford and will be able to sustain over a period of time.
Q: What if I have more questions?

A: For us, advising and looking after our clients’ best interests is our focus. Pick up the phone, call or WhatsApp us for any questions you have. We are here to serve you.
Book a free consultation or Whatsapp us.

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As Business Development Executive at Finior Financial, Kavit Vora specializes in developing and implementing effective growth strategies that drive the company’s success. His role involves identifying new business opportunities, forging strategic partnerships, and ensuring seamless execution of growth initiatives.

Having successfully passed the CFA Level 3 exam, he has significantly enhanced his analytical skills and gained in-depth experience in economics. By analyzing financial data and conducting thorough market research, Kavit contributes to clients’ success.

At Finior Financial, he is committed to delivering value through innovative solutions and strategic foresight.

Creating long-term growth, establishing strong client relationships, and positioning the company as a leader in the financial services sector are his goals.

Mr. Aashish A. Write up comes here. stands as a trailblazer within the Chartered Accountancy field in India. With a career spanning more than 25 years, his unwavering dedication revolves around providing top-tier professional services while upholding the profession’s ethical standards and code of conduct. Grounded in these principles, he consistently pushes boundaries and strives for growth, aiming not just to meet but to surpass expectations in every endeavor.

Shirish Vora, an AMFI registered mutual fund distributor, has dedicated his career to empowering clients with tailored insurance and investment solutions. With a profound commitment to understanding his clients’ financial landscapes—be it in their business ventures or personal lives—he navigates challenges alongside them, ensuring a comprehensive grasp of every product before recommending investments.

As a seasoned Financial Consultant at Aditya Birla Sun Life Insurance Company Limited (ABSLI) for over 22 years, Shirish’s expertise is underscored by his membership in the prestigious ‘Million Dollar Round Table’ (MDRT). This exclusive affiliation, bestowed upon the world’s top financial advisors, solidifies his reputation as a beacon of excellence in life insurance and financial services. Demonstrating unwavering dedication, Shirish has repeatedly achieved accolades such as Court of the Table (COT) recognition eight times consecutively and reaching the prestigious Top of the Table (TOT) status in 2017, reflecting his unparalleled commitment to client satisfaction and financial acumen.