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SM Insurance & Financial Services Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from SM Insurance & Financial Services, Insurance Agent, Mumbai.

We are certified by the Insurance Regulatory and Development Authority (IRDA),We are tied up with leading general insurance and life insurance companies to bring you the best insurance products available in the market.

Your health cover should not just protect you today — it should be prepared for tomorrow.ICICI Lombard Elevate offers fl...
22/09/2026

Your health cover should not just protect you today — it should be prepared for tomorrow.

ICICI Lombard Elevate offers flexible health protection with features such as Unlimited Reset, Infinite Care, Power Booster and optional worldwide coverage.

📩 Contact us at [email protected] to understand the plan and available options.

High coverage • Unlimited reset • Customisable benefits • Protection against rising medical costs



www.sminfs.in

“The cheapest insurance policy is not always the best insurance policy.”When buying insurance, many customers naturally ...
13/09/2026

“The cheapest insurance policy is not always the best insurance policy.”

When buying insurance, many customers naturally compare premiums first. But insurance is not a product where the lowest price should be the only deciding factor. The real value of an insurance policy becomes visible when you actually need to make a claim.

1. Premium is what you pay — Benefits are what you get

A lower premium may look attractive today, but the important question is:

“What protection am I actually getting for the premium I am paying?”

Two policies may have similar Sum Insured but can differ significantly in:

- Coverage
- Waiting periods
- Exclusions
- Sub-limits
- Deductibles
- Co-payments
- Room-rent restrictions
- Restoration/reinstatement benefits
- No-claim benefits
- Claim conditions
- Add-on covers
- Policy-specific limitations

Therefore, comparing only premium can give you an incomplete picture.

2. Insurance is about protection, not savings

3. The cheapest policy can become expensive at claim time

The better questions are rather what is premium:

✅ “Which policy gives better coverage?”
✅ “What are the exclusions?”
✅ “What are the waiting periods?”
✅ “Are there any sub-limits or co-payments?”
✅ “What expenses will actually be covered?”
✅ “How does the policy work at the time of claim?”

4. Compare the policy feature by feature

Before purchasing insurance, compare policies on a Benefit vs Benefit basis.

5. Think about the claim, not just the purchase

Insurance is one of the few financial products that you hope never to use, but when you need it, you want it to work exactly as expected.

Therefore, while buying a policy, don't ask only:

“How much is the premium?”

Ask:

“How much protection am I getting for this premium?”

Contact us.

Securing your family's financial future requires a plan that provides both reliable growth and comprehensive protection....
10/09/2026

Securing your family's financial future requires a plan that provides both reliable growth and comprehensive protection. LIC's Bima Platinum (Plan No. 770) combines guaranteed returns with life coverage to ensure long-term stability and peace of mind.

* Guaranteed Additions: Earn ₹70 per ₹1,000 of Sum Assured every year during the premium paying term.

* Booster Income Benefit: Receive a 70% payout of the Basic Sum Assured at the end of (PPT + 5) years.

* Regular Income Benefit: Enjoy a steady annual income of 10% of the Basic Sum Assured during the payout period.

* Premium Waiver Benefit (PWB): Ensure uninterrupted plan benefits with the option to add the Premium Waiver Benefit rider in case of unforeseen events.
For details, reach out to [email protected]. www.sminfs.in
insurance & Financial services

An Annuity Policy is a life insurance/retirement product designed to provide regular income for a fixed period or for th...
25/08/2026

An Annuity Policy is a life insurance/retirement product designed to provide regular income for a fixed period or for the rest of your life, usually in exchange for a lump-sum investment or regular premiums.

Key Benefits

1. Regular Guaranteed Income
Provides a predictable income, commonly monthly, quarterly, half-yearly or annually.

2. Retirement Security
Helps create a stable source of income after retirement when employment income stops.

3. Lifetime Income Option
Certain annuity plans can provide income for the rest of your life, reducing the risk of outliving your savings.

4. Financial Stability
Regular pension can help meet household expenses, medical costs and other recurring needs.

5. Protection for Spouse
A Joint Life Annuity can continue the income to the spouse after the primary annuitant's death, depending on the chosen option.

6. Choice of Annuity Options
Depending on the product, you may choose:

Life Annuity

Joint Life Annuity

Annuity with Return of Purchase Price

Increasing/Growing Annuity options

7. Low Market Risk for Guaranteed Options
The income under a guaranteed annuity is generally not dependent on daily stock-market movements.

Annuity products can be particularly useful for people who want stable, predictable retirement income rather than relying entirely on market-linked investments.

An Endowment Policy is a life insurance plan that combines financial protection with long-term savings. It provides life...
14/08/2026

An Endowment Policy is a life insurance plan that combines financial protection with long-term savings. It provides life cover during the policy term and pays a lump sum amount on maturity if the policyholder survives the term.

Key Benefits

Life Insurance Protection – Financial security for your family through a death benefit during the policy term.

Guaranteed Maturity Benefit – Receive a lump sum amount at the end of the policy term,

Bonus Potential – Participating endowment plans may earn reversionary and terminal bonuses, increasing the final payout.

Disciplined Savings – Encourages regular savings to build wealth over time.

Goal-Based Financial Planning – Ideal for funding children's education, marriage, retirement, or other long-term goals.

Tax Advantages – Premiums and benefits may qualify for tax benefits as per applicable tax laws.

Endowment Policy = Protection + Savings + Future Financial Security

SIP (Systematic Investment Plan) is an important tool for achieving long-term financial goals because it helps you inves...
14/08/2026

SIP (Systematic Investment Plan) is an important tool for achieving long-term financial goals because it helps you invest regularly and benefit from compounding and rupee-cost averaging.

Why SIP is useful for future goals

Children’s education – Build a dedicated corpus over 10–20 years.

Child’s marriage – Long-term SIP can create a substantial fund.

Retirement planning – Start early and let compounding work for you.

Buying a house – Build a down-payment corpus systematically.

Wealth creation – Regular investment can accumulate significant wealth over the long term.

Financial discipline – Fixed monthly investments make saving automatic.

The key principle: The earlier you start, the more time compounding gets to work.

Why it is required?For a patient, his doctor is someone who promises good health by putting him on the right fitness con...
14/04/2026

Why it is required?
For a patient, his doctor is someone who promises good health by putting him on the right fitness condition when an
emergency lands. Unfortunately, human error cannot be eliminated and doctors are exposed to the risk of claims from
clients who have suffered loss due to neglect, error or omission.
In today's litigious world, claims can pose a significant threat to the financial security for a medical practitioner. Your
expertise is protecting the health of your clients. Our expertise is advising you how to protect your professional interest.

Professional Indemnity for Doctors Policy protects you against
• Claims arising out of bodily injury or death caused by error, omission, negligence
• Legal liability including defense costs (costs, fees, expenses) incurred while investigation, cost of representation,
compensation etc.

*Who is covered?*
• Doctor
• Nurses
• Qualified assistant
• Technician employed by Doctor

Recommended Sum Insured: General practitioners (₹20–40 Lakhs), Specialists (₹50–100 Lakhs), High-risk Surgeons/Obstetricians (₹1–2 Crores+)

Start your journey towards financial freedom with SIP (Systematic Investment Plan). 💰Invest small amounts regularly and ...
11/04/2026

Start your journey towards financial freedom with SIP (Systematic Investment Plan). 💰

Invest small amounts regularly and let the power of compounding work for you over time. No need to worry about market ups and downs—SIP helps you grow your wealth steadily and safely.

Even ₹500 per month can create a big difference in the future.

👉 Don’t wait for the perfect time, start your SIP today and secure your tomorrow!

Contact us now.

LIC Nav Jeevan Shree Plan is a non-linked, non-participating life insurance savings plan from the Life Insurance Corpora...
11/01/2026

LIC Nav Jeevan Shree Plan is a non-linked, non-participating life insurance savings plan from the Life Insurance Corporation of India (LIC) that offers a blend of life cover + guaranteed savings accumulation — making it useful for long-term financial planning and family financial security.
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Address

Mumbai
400097

Opening Hours

Monday 10am - 7pm
Tuesday 10am - 7pm
Wednesday 10am - 7pm
Thursday 10am - 7pm
Friday 10am - 7pm
Saturday 10am - 7pm

Telephone

+919819442649

Website

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