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Introduction. 'Health is wealth' and this has been exemplified by the famous Sanskrit proverb "Shriram Aadyam Khalu Dharma Sadhana". But it is also true that man is mortal and during his lifetime this wealth requires support for its maintenance, not only for the person concerned but for his /her dependents also. From this point of view, a person requires income during the lifetime and some sort of income-generating asset after his /her death for the dependents. Here lies the importance of insurance. Insurance serves as a cover for the loss in income generation due to death or other incidents leading to the stoppage of income generation and is an effective investment and tax-saving tool during the person's lifetime