Services
Protection for today, investments for tomorrow.
Mutual Fund & Investment Options and LIC – Life Insurance Products and GIC – General Insurance Products, chosen around your goals, your family and how much risk you can actually carry.
Mutual Fund & Investment Options
We help you navigate the market with a wide spectrum of mutual funds, tailored to your risk appetite and investment horizon.
Offered as an AMFI-registered mutual fund distributor, not a SEBI-registered investment adviser: no advisory fee is charged, trail commission is paid by the asset management company and disclosed, and no return is assured.
Equity Funds
Designed for long-term capital appreciation by investing in shares of high-growth companies.
- Large, mid, small and flexi cap funds
- Investment by SIP or lump sum
- Periodic portfolio reviews
Debt Funds
Focused on steady, regular income and capital preservation through fixed-income securities.
- Overnight, liquid, short-duration and gilt funds
- Duration matched to when you need the money
- Credit quality checked before investing
Hybrid Funds
Balanced portfolios combining equity and debt to optimize returns while managing risk.
- Conservative, balanced advantage and aggressive hybrid funds
- Multi-asset and arbitrage funds
- The asset mix explained before you invest
Tax-Saving Funds (ELSS)
Equity-linked schemes that help you grow wealth while optimizing your tax liabilities.
- Section 80C deduction under the old tax regime
- Three-year lock-in on each investment
- Investment by SIP or lump sum
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LIC – Life Insurance Products
Protect your family's future with life insurance solutions designed to provide financial security, savings benefits, and retirement income options.
Policy benefits, eligibility, premiums, and terms vary by insurance product.
Term Life Insurance
Financial protection for your family through life cover for a specified policy term.
- Life cover for a chosen term
- Financial protection for dependants
- Benefits subject to policy terms
Whole Life Insurance
Life cover designed to continue for a very long period, often up to age 99 or 100.
- Long-duration life cover
- Potential bonuses on participating plans
- Benefits subject to policy terms
Endowment Plans
Life insurance plans combining protection with savings benefits.
- Life insurance cover
- Potential maturity benefits
- Benefits subject to policy conditions
Money-Back Plans
Life insurance plans that may provide periodic payouts during the policy term.
- Periodic survival benefits
- Life insurance protection
- Payouts subject to policy terms
Unit Linked Insurance Plans (ULIPs)
Insurance plans that combine life cover with market-linked investment in funds of your choice.
- Life cover with investment component
- Choice of funds and fund switching
- Returns linked to market performance
Child Insurance Plans
Plans that help fund a child's education and future milestones, with protection for the parent.
- Savings for education and milestones
- Life cover on the parent
- Benefits subject to policy terms
Pension Plans
Insurance-based solutions designed to support retirement income needs.
- Retirement-focused benefits
- Options subject to product availability
- Terms vary by policy
Annuity Plans
Plans that turn a lump sum into a regular income, for life or a fixed period.
- Regular income payouts
- Choice of annuity options
- Terms vary by policy
Retirement Plans
Planning to build savings and an income that can support you after you stop working.
- Retirement corpus and income planning
- Options across plan types
- Terms vary by policy
Group Life Insurance
Life cover for the members of a group, such as the employees of a company or a society.
- Life cover for a group of members
- Arranged through an employer or organisation
- Benefits subject to scheme terms
Joint Life Insurance
One policy covering two lives, usually spouses, with a single premium.
- Cover for two lives under one policy
- Benefit on a defined event, as per policy
- Benefits subject to policy terms
GIC – General Insurance Products
Explore general insurance solutions designed to help protect your health, vehicles, home, and travel against eligible risks.
Coverage, exclusions, and claim conditions depend on the policy and insurer.
Health Insurance
Coverage for eligible medical expenses, subject to the selected policy.
- Hospitalisation benefits
- Eligible medical expenses
- Coverage limits and exclusions apply
Motor Insurance
Insurance protection for cars and two-wheelers against covered risks.
- Third-party liability cover
- Own-damage cover where selected
- Coverage subject to policy terms
Critical Illness
A lump-sum benefit on diagnosis of a listed serious illness, subject to the selected policy.
- Lump-sum payout on diagnosis of a covered illness
- Cover for a defined list of serious conditions
- Waiting and survival periods apply
Hospital Cash
A fixed daily amount for each day of hospitalisation, subject to the selected policy.
- Fixed daily cash benefit during hospital stays
- Payout independent of the hospital bill
- Limits on days and conditions apply
Personal Accident Insurance
Financial protection against death or disability caused by an accident, subject to the selected policy.
- Accidental death benefit
- Permanent disability benefit
- Temporary disability cover where included
Travel Insurance
Travel protection for eligible medical emergencies and other covered travel-related risks.
- Emergency medical cover where included
- Trip-related benefits where included
- Coverage depends on the selected policy
Home Insurance
Protection for your home and insured belongings against covered risks.
- Building cover where selected
- Contents cover where selected
- Policy-specific exclusions apply
Fire & Property Insurance
Protection for commercial and industrial property against fire and other listed perils.
- Building, plant and machinery cover
- Stock and contents cover
- Covered perils as per the policy
Marine Insurance
Protection for goods in transit by sea, road, rail or air against covered losses.
- Cargo cover during transit
- Cover for domestic and international shipments
- Covered risks as per the policy clauses
Shopkeeper Insurance
A combined policy protecting a shop's stock, premises and related risks, subject to the selected cover.
- Stock and contents cover
- Cover for fire, burglary and other listed risks
- Covers vary by policy
Cyber Insurance
Protection for businesses and individuals against losses from cyber incidents, subject to the selected policy.
- Cover for data breach and cyber-attack costs
- Response and recovery expenses where included
- Cover depends on the selected policy
Employee Compensation Insurance
Cover for an employer's liability to compensate employees for injury or death at work, as per the law.
- Compensation for work-related injury or death
- Covers the employer's legal liability
- Terms as per the policy and applicable law
Group Health Insurance
Health cover arranged by an employer or organisation for its members, subject to scheme terms.
- Health cover for a group of members
- Family cover where the scheme allows
- Benefits subject to scheme terms
Burglary Insurance
Cover for loss of or damage to property from burglary or housebreaking, subject to policy terms.
- Loss of insured contents through burglary
- Damage caused during a break-in
- Policy-specific exclusions apply
Professional Indemnity Insurance
Cover for claims by clients arising from errors or negligence in professional services, subject to the selected policy.
- Defence costs and compensation for covered claims
- Cover for professional negligence or error
- Terms vary by profession and policy
Not sure which of these you need?
That is what the first conversation is for. Bring the question, not a product.
Shree Sai Insurance is the practice of Amit Dhirajlal Waghela, an AMFI-registered mutual fund distributor (ARN-166386), not a SEBI-registered investment adviser. The firm earns commission from asset management companies on the schemes it distributes, does not charge a fee for distribution, and does not guarantee returns. Insurance is offered separately from the mutual fund distribution business. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.