Whole Life Insurance
Lifelong cover up to age 99/100 with legacy and estate-planning benefits.
Understanding Whole Life Insurance.
Whole Life policies provide cover for your entire lifetime — typically up to age 99 or 100 — and pay a guaranteed death benefit to your nominees whenever the claim arises. They are widely used for legacy planning and wealth transfer to the next generation.
Unlike a term plan that expires at a set age, a whole life policy guarantees a payout — making it a clean estate-planning instrument.
What's actually inside this cover.
- Cover up to age 99/100
- Guaranteed death benefit
- Bonus accumulation (participating)
- Loan-against-policy facility
- Lifetime death benefit to nominee
- Cash value build-up
- Maturity benefit at terminal age
Actual cover is subject to insurer wording, sub-limits, deductibles and exclusions. Please read the policy wordings carefully before concluding a sale.
How we place it.
One team — from the first conversation to the first claim.
- 01
Profile and exposure review with a Labdhi expert
- 02
Wording, sub-limit and pricing comparison across leading insurers
- 03
Cover binding with the optimal terms and add-ons
- 04
Renewal review and end-to-end claims support
When it actually pays.
Illustrative scenarios — real outcomes depend on insurer wording.
Policyholder passes away at 78; full sum assured + accrued bonus paid to family.
Business owner uses cash value as collateral for short-term liquidity.
Why Labdhi for this?
As a licensed insurance broker, Labdhi compares wordings, sub-limits and pricing across multiple insurers, structures the policy around your real exposures, and supports you end-to-end through documentation, renewals and claims.
Have these ready and we can move the same day.
Life underwriting is the most detailed of the lot. Income proof sets the maximum cover an insurer will offer, and the medical and lifestyle answers set the premium.
- Name
- Father's name
- Mother's name
- Date of birth
- Gender
- Marital status
- Mobile
- Permanent address
- Height and weight
- Education
- Occupation
- Organization type
- Name of organization
- Annual income
- Smoker and alcohol
- Any medical history
- Existing insurance details, if any
- Name
- Date of birth
- Gender
- Relationship with the life assured
- Recent photo
- PAN card copy
- Aadhaar card photo, front and back
- Cancelled cheque photo
- ITR for the last 3 years
- COI for the last 3 years
- Salary slips for 3 months, plus a 6-month bank statement
- Full photo
Send them across on WhatsApp or email and we will come back with options. If something on the list does not apply to you, tell us and we will work around it.
Is your Whole Life Insurance cover actually enough?
Most people discover the gap in their protection at the worst possible moment — at claim time. Shield360™ is our 4-minute risk profiler that scores your long-term protection, highlights gaps, and gives you a personalised report you can download.
- Protection Score
A single 0–100 number showing how well-covered you really are.
- Gap Analysis
Identifies under-cover across life, health, income and assets — instantly.
- Downloadable Report
Branded PDF with your scores, gaps and suggested next steps.
More in Individual Life.
High-cover, low-premium pure protection for your family.
Cover that clears an outstanding loan if the borrower dies.
Guaranteed savings with a life-cover wrapper.
Market-linked wealth creation with a built-in life cover.