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Home  > Products > Insurance Broking  > Life Insurance


  • One of the largest and professional Direct insurance Broking House in India accredited by Insurance Regulatory and Development Authority of India (IRDAI).
  • We provide wide choice of insurance products of all life and general insurance companies in India
  • We represent clients, are totally independent of insurance companies and render impartial advice to protect client’s interests.
  • Major non-captive insurance broker in India dealing with annual premium of >Rs. 1075 Cr.
  • Own 4-storey building in Delhi dedicated to insurance
  • Serving Customer base of over 7,00,000 annually

Our Edge

  • A team of professionals with strong Domain knowledge and expertise
  • Pan India Presence
  • Robust IT Infrastructure
  • Quality of services and best in industry processes
  • Strong National brand

I m Interested in

Human life is unpredictable and thus a person need to plan about his future as there may be a loss of income to the household. An individual can protect himself or herself against such contingencies through life insurance. Though Human life can not be valued but it is always better to have protection against uncertainties in life & protection required can be reached through loss of future cash inflows.There are different types of life insurance product which not only provides protection but also return on money invested in such policies.

Investment Plans
Child Plans
Term Insurance Plans
Endowment Insurance Plans
Money Back Insurance Plans
Whole Life Insurance Plans
Unit Linked Insurance Plans
NRI Plans
Plans for HNIs
Plans for Handicapped Dependants

Value addition for our

SMC Capitals offers a wide spectrum of services covering:

  • Critical evaluation of existing insurance policies and instead of renewal of individual policies, we suggest a Comprehensive Risk Management program
  • Assistance in deciding sum insured to avoid under-insurance
  • Education of insured’s dealing officials about what is covered and what is not
  • Efficient claim service through dedicated teams for both - Employee Benefit (EB) covers and all other cover.
  • Due to our volume of business, knowledge of market and expertise, we are able to obtain the best possible premium rates.
  • Designing of customized and qualitative insurance programme
  • Outsourcing of major part of insurance function.

About SMC

Established in 1990, SMC is one of the leading and well-diversified financial services companies in India offering services across brokerage (across the asset classes of equities (cash and derivatives), commodities and currency), investment banking, wealth management, distribution of third party financial products, research, financing, depository services, insurance broking and clearing services and real estate advisory services to corporate, institutional, high net worth individuals and other retail clients.

serving over
18 Lac
unique clients
Workforce of
Presence in500+ cities & oversease offices in Dubai
large network of
2,500+ sub-brokers & authorised persons
Cumulative AUM under Mutual Funds 3,000+ crores
*As on 31st March 2018


What is general insurance?
Why do I need life insurance?
I know I need insurance, but cannot afford the coverage. Can I do anything to lower the cost?
Where can I find more information on life insurance?
What is nomination? And who is a nominee?
Can I change my nomination?
What details am I to provide about the nominee/s?
What is the difference between nomination and assignment?
What is a claim?
What parameters are considered while asking the claim to submit particular records / document?
What is IRDA?
What are IRDA guidelines pertaining to claim processing?
Who is entitled to receive the claim benefit?
How do I make a maturity claim?
What is the benefit of opting for riders/add-ons?
What is the difference between switch and redirection?
In case I lose my policy document how do I obtain a duplicate policy?
How will the Net Asset Value (NAV) be calculated for my servicing requests?
What do I need to do when the life assured becomes a major?
Can I change the date of birth after the free look period? If yes, what are the documents required?
When does a policy lapse?
Can I surrender my policy?
What do I need to do to surrender my policy?
What is partial withdrawal?
What are Top-ups?
What is transfer or assignment of a life insurance policy?
Can I assign a policy?
How do I assign a policy or transfer a life insurance policy?
Is assignment allowed on all the insurance plans?