Smart strategy for business owners to reduce tax & grow wealth
after 15 years
Tax Free
100% Deductible
Your top employees
A smart business decision that works as a tax tool, wealth builder, and retention strategy — all in one policy.
Every rupee paid is a legitimate business expense under Section 37(1).
Access up to 95% of your corpus as loan.
Encourages long-term employee retention.
Corpus transfers tax-free to nominee.
Corpus
Settlement
Saved
| 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 |
Get 1 cr. life cover
at 475/month*
Save up to 54,600*
in Taxes u/s 80C & 80D
Get 62%* off with 5 yrs
limited pay option
© 2026 Avner Insurance Brokers Limited
Tax benefits subject to applicable laws. Our outcomes indicative. Consult your advisor. T&C apply.
