Basic rule of thumb says Protection First, Investment Afterwards. Unfortunately people opt for Investment First, Protection Later. 

As an individual we face 4 major risks – Untimely death, Hospitalization & Physical disability due to accident and lastly damage to our assets-Car & House. 

One single claim eats into your savings which you were accumulating from long time.

Talking about insurance premium costs to cover these risks, they are quite nominal & comes at less than 10% amount of your annual salary & can be shown under 80(C) & 80(D) of income tax. 

Every individual is different & so are there requirements. At Insurance Bytes, we ensure you get the solution basis your specific needs & not a generic product.