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  Financial Safety Net

  Term plans act as a robust financial safety net for your family, offering a lump sum payout in the event of the policyholder's demise during the policy term.

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  Affordability

  Term insurance provides high coverage at a relatively low premium, making it a cost-effective way to secure your family's financial future.

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  Human Life Value (HLV)

  At Capital Tree, we emphasize determining your Human Life Value – the present value of your future earnings. This helps us tailor your term plan coverage to your specific needs, ensuring comprehensive protection.

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  Flexible Policy Terms

  Choose policy terms that align with your financial goals and responsibilities, giving you the flexibility to customize your coverage.

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  Riders for Added Protection

  Enhance your term plan with riders like critical illness, accidental death, and disability riders for additional layers of protection.

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  Unit-Linked Insurance Plans (ULIPs)

  Investing with a Purpose

Unlocking the Potential of ULIPs

Unit-Linked Insurance Plans (ULIPs) offer a unique blend of insurance and investment. Partnering with major brands like HDFC Life, ICICI Prudential, Max Life, and Tata AIA, Capital Tree brings you the benefits of ULIPs:

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  Market-Linked Returns

  Enjoy the potential for higher returns by investing in a variety of funds based on your risk appetite and financial goals.

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  Flexibility in Investment

  Adjust your asset allocation between equity and debt as per market conditions and your risk tolerance.

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  Life Cover with Wealth Accumulation

  Secure your family's financial future while participating in the potential growth of the market.

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  Tax Efficiency

  ULIPs offer tax benefits under Section 80(C), allowing you to save on taxes while building wealth.

Navigating the World of Non-Participating Traditional Investments

Capital Tree brings you a range of traditional investment products from major brands, focusing on non-participating policies for long-term wealth creation:

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  Stable Returns

  Non-participating traditional plans offer stable and guaranteed returns, providing financial stability over the long term.

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  Capital Protection

  Protect your invested capital with plans that prioritize the safety of your funds.

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  Regular Income

  Some traditional plans offer regular income options, ensuring a steady cash flow during specific life stages.

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  Tax Benefits

  Leverage the tax benefits under Section 80(C) for premiums paid and Section 10(10D) for maturity proceeds, making traditional plans tax-efficient.

Tax Benefits under Sections 80(C) and 10(10D)

Maximizing Your Tax Efficiency with Life Insurance

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  Section 80(C):

  Enjoy tax deductions on premiums paid for life insurance policies, including term plans, ULIPs, and traditional plans.

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  Section 10(10D):

  Maturity proceeds received from life insurance policies, including death benefits and bonuses, are exempt from taxation under Section 10(10D).