Employer Employee Insurance Scheme

Smart strategy for business owners to reduce tax & grow wealth

Access Your Corpus

Up To 95%

Build Legacy

Tax-Efficient Wealth Transfer

Premium as Business Expense

Tax Deductible

Retain Employees

Encourage Long-Term Loyalty

Why Employer–Employee Insurance Scheme?

A smart business decision that works as a tax tool, wealth builder, and retention strategy — all in one policy.

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Premiums Fully Deductible as Business Expense

Directly reduce your company’s taxable profit, potentially saving up to ₹2.6 Cr in taxes over 10 years, under Section 37(1).

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Interest-Free Capital Access

Access up to 95% of your accrued corpus after 15 years— without interest, bank approvals, collateral, or CIBIL checks.

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Retain Best Employees

Reward key employees with long-term financial benefits linked to tenure, encouraging loyalty and supporting retention goals.

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Tax-Free Legacy

Help create a lasting financial legacy, with illustrative benefits potentially exceeding ₹5 Cr, subject to policy terms.

Compare Plans

Feature	EEIS	Life Insurance	Group Insurance
TAX BENEFITS ⌄
100% premium as business expense
No cap on deduction amount		Capped at ₹1.5L (80C)
Tax-free death benefit to nominee
WEALTH CREATION ⌄
Bilds a corpus over time	₹16.43 Cr on ₹10 Cr	Moderate returns
Loan against policy	Up to 95%	Up to 65%
Zero interest on loan		8-10% interest
No CIBIL impact on loan
No processing fee on loan
Flexible withdrawals & repayments		Rigid terms
PROTECTION ⌄
Deth benefit cover	7x/11x till age 100		Basic cover only
Coverage up to age 100		Typically 75-80	Till employment
LEGACY & TRANSFER ⌄
Tax-free transfer to heirs		Partially taxable
Corpus to nominee (not company)	Through Company		Coverage ends
EMPLOYEE RETENTION ⌄
Works as a golden handcuff			Everyone has it
Assignable to employee on exit
Employer retains control during tenure			No individual control
STRUCTURAL ⌄
Purchased by employer		Self-purchased
Policy on a specific individual			Blanket cover
Continues after employee leaves	Assign or surrender		Coverage ends

What Our Clients Say

“Excellent service and guidance. Helped us structure EEIS perfectly.”

“Very professional team. Smooth process from start to end.”

“Best decision for our company. Tax + retention solved.”

“Highly recommended. Transparent and reliable service.”

“Excellent service and guidance. Helped us a lot.”