PMS (Portfolio Management Services) – Intelligent Wealth Building with Life Cover & Tax Savings Portfolio Management Services (PMS) Insurance is a high-value financial solution that merges expert investment management with the security of life insurance and tax-saving benefits. Designed for high-net-worth individuals (HNIs) and serious investors, PMS-linked insurance plans allow you to benefit from personalized fund management strategies across equity, debt, or hybrid instruments while ensuring financial protection for your family. This dual-purpose product not only targets capital appreciation through actively managed portfolios, but also qualifies for tax deductions under Section 80C of the Income Tax Act. Additionally, returns or payouts received at maturity or death may be exempt under Section 10(10D), subject to certain conditions.
✅ Tailored Investment Strategy – Portfolios are managed by expert fund managers based on your financial goals and risk appetite
✅ Dual Advantage – Enjoy the combined benefits of life cover + high-return market-linked investments
✅ Tax Efficiency – Get deductions on premiums and tax-free maturity benefits as per Indian tax laws
✅ Wealth Optimization – Focused portfolio selection and periodic rebalancing ensure optimal long-term performance
✅ Exclusive for HNIs – Ideal for individuals seeking personalized service and strategic diversification
✅ Comprehensive Financial Planning – Supports wealth creation for goals like retirement, inheritance, or large purchases
✅ Transparent & Regulated – Governed by SEBI with complete visibility into portfolio performance and charges
Mitigates risk by offering life insurance alongside equity exposure
Creates a structured long-term growth plan with professional oversight
Protects your family in the event of unforeseen circumstances
Facilitates legacy planning and long-term financial security
Offers tax-efficient investment growth for HNIs and business owners
You invest ₹1,00,000/month in a PMS-linked insurance product over 10 years. A portion of your premium is allocated to a custom portfolio across diverse asset classes, while the rest provides you with a substantial life insurance cover. At the end of the term, your portfolio could be worth ₹1.5–2 crores or more, depending on performance, and your family remains protected throughout the investment journey.
