Need Calculator - Chatbot Flow

Initiation Benefit offered to the user along with the Greeting

1. Death Benefit – Financial protection for dependents in case of the policyholder’s demise.
2. Maturity Benefit – Lump sum payout at the end of the policy term if the insured survives.
3. Survival Benefit – Periodic payouts during the policy tenure (common in money-back plans).
4. Income Replacement – Monthly or annual income for dependents in case of the policyholder’s death or disability.
5. Loan Protection – Ensures outstanding loans are covered in case of death or disability.
6. Wealth Creation – Investment-linked benefits offering market-based returns (ULIPs, Endowment).
7. Retirement Income (Pension/Annuity) – Guaranteed regular income post-retirement.
8. Child Education Fund – Ensures education expenses are covered even if the policyholder is no longer present.
9. Marriage Fund for Children – Financial support for children’s marriage expenses.
10. Critical Illness Coverage – Lump sum payout upon diagnosis of life-threatening illnesses.
11. Accidental Death Benefit – Additional sum assured payout in case of accidental death.
12. Disability Protection – Financial support in case of permanent or temporary disability.
13. Waiver of Premium – Future premiums waived in case of disability or critical illness.
14. Tax Benefits – Tax savings under Sections 80C, 80D, and 10(10D) of the Income Tax Act.
15. Estate Planning – Ensures smooth inheritance and wealth transfer to legal heirs.
16. Asset Protection – Safeguarding personal/business assets against financial risks.
17. Liquidity Benefit – Allows partial withdrawals from certain policies for urgent financial needs.