Life Insurance & Investments
Protection, savings and market-linked investments designed to match your life goals – from term cover to SIP & mutual funds.
Plan My Insurance & InvestmentsStructured Protection + Investment Planning
Dream Financials helps you combine the right **life insurance cover** with **goal-based investments**. As an ICICI Prudential Life Insurance Channel Partner and mutual fund distributor, we focus on clarity, suitability and documentation.
- Term, child & retirement plans with proper need analysis.
- SIP & mutual fund portfolios customised to risk profile.
- Regular review of cover, goals and investments.
Life Protection (ICICI Pru)
Channel PartnerTerm, protection & savings-oriented life insurance plans from ICICI Prudential Life Insurance, as per your need and eligibility.
Child & Family Plans
Goal-based plans for child education, marriage and long-term family security with disciplined savings.
Retirement & Pension
Plans focused on building retirement corpus and post-retirement income, combining safety and growth.
SIP & Mutual Funds
Equity, debt and hybrid mutual funds with SIP / lump-sum as per your risk profile & time horizon.
Short-Term Investments
Low to moderate risk options for 6–36 months goals like car, vacation, emergency fund, tax saving etc.
Long-Term Wealth
Long horizon SIP & life-cover combinations targeting retirement, children and financial independence.
ICICI Prudential Life Insurance
Dream Financials works as an advisor / channel partner for ICICI Prudential Life Insurance – helping you understand product options, eligibility and documentation.
Our Role
- Assess your protection gap (how much life cover family actually needs).
- Explain plan features in simple language before you decide.
- Assist with proposal form filling, KYC and medical process.
- Coordinate for policy issuance and share policy soft copy for records.
Documents (Indicative)
- KYC: PAN, Aadhaar, address proof, photograph.
- Income Proof: salary slips / Form 16 / IT return / financials – depends on cover amount and product.
- Bank details for mandate / ECS and premium payment proof.
- Medical reports if required based on age, sum assured & underwriting.
Final issuance is always subject to ICICI Prudential Life Insurance’s underwriting decision and guidelines.
Discuss ICICI Prudential life cover options →Term Insurance (Pure Protection)
Term plan is a pure life cover designed to protect your family’s lifestyle and goals in case of your unfortunate demise during the policy term.
Suitable For
- Salaried & self-employed individuals with dependents.
- People with home loans or large financial commitments.
- Young earners who want high cover at relatively low premium.
Key Points
- High sum assured, no maturity benefit in basic pure term (protection plan).
- Various options for cover – level, increasing, with riders etc.
- Premium depends on age, cover, policy term, health & occupation.
Basic Documentation
- PAN, Aadhaar, address proof, photograph.
- Income proof (salary slips, Form 16, ITR, financials).
- Medical questionnaire and test reports where required.
Child Plans & Goal-Based Savings
Plans that combine long-term savings with protection, so major child-related goals are not disturbed even if something happens to the earning member.
Common Goals
- Higher education funding for child / children.
- Marriage & life-start support for children.
- Creating a dedicated, separate education corpus.
Typical Structure
- Regular premium for long term (10–20+ years) with life cover.
- In-built benefits in many plans: waiver of future premiums on death of parent, policy continues.
- Pay-out aligned with key education / milestone years.
Documents
- Proposer KYC & income proof.
- Child’s birth certificate and basic KYC (as required).
- Bank details for premium & pay-out.
Retirement & Pension Planning
Combination of accumulation (building retirement corpus) and annuity / pension options for regular income post-retirement.
Key Objectives
- Create a dedicated retirement pool separate from daily savings.
- Plan for inflation, medical emergencies and lifestyle expenses.
- Reduce dependence on children or single income source in old age.
What We Do
- Estimate retirement corpus needed based on age, income & lifestyle.
- Design mix of insurance, provident / pension & mutual funds as suitable.
- Explain risks and tax impact on various options.
Documents
- Basic KYC & income details.
- Existing investments / PF details to avoid duplication.
SIP & Mutual Funds
Market-linked investment options managed by professional fund managers – suitable for medium to long-term wealth creation and specific goals.
Types of Funds
- Equity / Equity-oriented – for long-term growth, higher market risk.
- Debt – relatively lower risk, focused on income / capital preservation.
- Hybrid / Balanced – mix of equity and debt.
Investment Modes
- SIP (Systematic Investment Plan) – monthly / periodic investment.
- Lump-sum – one-time investment when funds are available.
- STP / SWP – structured transfer / withdrawal plans as per requirement.
Documentation
- KYC registration (PAN, Aadhaar, address proof, photograph).
- Bank details for mandate / auto-debit and redemption.
- Risk profile & basic suitability assessment.
Mutual fund investments are subject to market risks. Read all scheme related documents carefully before investing.
Build / review your SIP portfolio →Short-Term vs Long-Term Investments
Before choosing any plan or fund, we separate your money into short-term and long-term buckets. This reduces panic and helps you stay disciplined.
Short-Term (0–3 Years)
- Goals: emergency fund, vacation, vehicle down-payment, short tax-saving goals.
- Preference for lower volatility options – debt, conservative hybrid, deposits etc.
Long-Term (5+ Years)
- Goals: child education, retirement, wealth creation, financial independence.
- Can take more equity exposure via SIPs & suitable plans.
Our Approach
- Define goals, time horizon & comfort level with risk.
- Blend protection + investment instead of only chasing returns.
How We Design Your Insurance & Investment Plan
Instead of pushing a ready-made policy, we start with questions about your life stage, dependents and existing commitments – then create a combination of cover + savings that you can maintain.
No plan can remove all risk. Our focus is to keep your family better prepared through appropriate cover, diversification and realistic expectations.
Age, family details, income, liabilities (loans / EMIs), existing policies & investments.
Output: Snapshot of your current protection & savings level.
Short, medium and long-term goals – child education, house, retirement, travel etc.
Output: Priority-wise list of goals with timeline and rough amount.
Discuss how much market fluctuation you are comfortable with and design a mix of term, savings plans and mutual funds accordingly.
Output: Suggested cover amount + SIP / premium structure.
Help you complete documentation, start SIPs / policies and set a simple yearly review to adjust cover or investments if required.
Output: Actionable, trackable plan instead of scattered products.
Why Choose Dream Financials for Life Insurance & Investments?
We try to bridge the gap between complex financial products and what you actually need – in simple language, with documentation support and long-term relationship.
Goal-Linked Approach
We map every policy and SIP to a clear goal – not just “investment”. This helps you stay invested even when markets move up and down.
Benefit: Better discipline and clarity.
Complete Documentation Help
Proposal forms, KYC, medical, SIP mandates – we help you fill, verify and organise documents so records remain clear.
Benefit: Less paperwork stress, smoother issuance.
Balanced Risk View
We are clear that market-linked products can go up or down. Focus remains on right allocation, time horizon and periodic review.
Benefit: Realistic expectations, fewer surprises.
Ongoing Support
Post-issuance support like basic service requests, policy details, contact points, SIP tracking and goal review whenever required.
Benefit: Single touchpoint instead of multiple follow-ups.
Sample Protection + Investment Structure
Each person’s plan will be different. Below is only an example to show how life cover and investments can be combined at a high level.
| Component | Purpose | Example Allocation | Typical Horizon |
|---|---|---|---|
| Term Life Plan | High life cover for income replacement & loans. | Small % of income as premium. | Up to age 60–65 or as required. |
| Child / Savings Plan | Specific future goal like education / marriage. | Fixed yearly / monthly premium. | 10–20+ years. |
| Retirement / Pension Products | Corpus + post-retirement income. | Part of long-term allocation. | Depends on current age & retirement age. |
| SIP in Equity / Hybrid Funds | Long-term wealth creation. | Monthly SIP, amount based on risk comfort. | 7+ years (preferably longer). |
| Debt / Liquid Funds | Emergency fund & short-term goals. | 3–6 months expenses or as required. | 0–3 years. |
Example Risk Profile Mix
For illustration, a “balanced” investor might look something like this. Actual mix is customised.
These numbers are only indicative to explain the concept of diversification and do not represent any recommendation by themselves.
Insurance & Investment – Common Questions
- Dream Financials acts as an advisor / channel partner / distributor as per respective company and regulator guidelines. Product features, eligibility, charges and benefits are as per the official policy / scheme documents only.
- Life insurance products are subject to terms, conditions and underwriting guidelines of the respective insurer.
- Mutual fund investments are subject to market risks. Read all scheme related documents carefully before investing.
- Examples, tables and charts shown on this page are for understanding and illustration only. They do not represent any guarantee, forecast or promise of returns.