Life Insurance
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Protect Your Family’s Future with the Right Life Insurance
Your family’s financial security should not depend on your presence alone. Life Insurance is the foundation of every sound financial plan — ensuring that your loved ones are protected financially, no matter what. HAWMS Financial Services, through its associate company Secureline Assurance IMF Pvt. Ltd., offers expert guidance on the best life insurance solutions for individuals and families across Kerala and India.
Why Life Insurance Is Non-Negotiable
A life insurance policy ensures that if something were to happen to you, your family does not have to compromise on their lifestyle, children’s education, home loan repayment, or daily expenses. It is the most important financial safety net you can provide for those who depend on you.
Types of Life Insurance We Offer
Term Life Insurance
Pure protection plan at the most affordable premium. Provides a large life cover (sum assured) to your family at a very low cost. Ideal for all earning individuals.
Whole Life Insurance
Coverage for your entire life, with a savings component that builds cash value over time.
Endowment Plans
Dual-benefit plans that provide life cover along with maturity benefits — a lump sum payout at the end of the policy term.
Unit Linked Insurance Plans (ULIPs)
Combines life insurance with market-linked investments, allowing wealth creation along with protection.
Child Plans
Secure your child’s education and future milestones even in your absence.
Retirement / Pension Plans
Life cover combined with a pension corpus for post-retirement financial security.
Group Life Insurance
Affordable life cover for employees under a single master policy — ideal for corporates and SMEs.
How to Choose the Right Life Insurance?
- Assess your annual income, liabilities, and dependents
- Determine the right sum assured (typically 10–15x annual income for term plans)
- Compare premiums, claim settlement ratios, and insurer ratings
- Choose between pure protection (term) and savings-linked plans based on goals
Our advisors at HAWMS / Secureline Assurance will guide you through this entire process — free of charge.
Why Secureline Assurance IMF Pvt. Ltd.?
- IRDAI-registered Insurance Marketing Firm
- Access to products from multiple leading insurance companies
- Unbiased advice — we recommend what suits you, not what pays us more
- Dedicated claims support — we stand by you when it matters most
📞 Ready to get started? Contact HAWMS Financial Services today. Visit: www.hawms.in | WhatsApp us for a free consultation.
Health Insurance
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Comprehensive Health Insurance — Because Medical Emergencies Don’t Wait
Medical emergencies can happen at any time, and in today’s healthcare landscape, the costs can be devastating without adequate insurance. HAWMS Financial Services, through Secureline Assurance IMF Pvt. Ltd., helps individuals, families, and corporates secure the right health insurance plan — ensuring access to quality healthcare without financial stress.
Types of Health Insurance We Offer
Individual Health Insurance
A dedicated health cover for a single individual, covering hospitalization, surgeries, ICU charges, and more.
Family Floater Health Insurance
A single policy that covers the entire family under one sum insured. Cost-effective and comprehensive.
Senior Citizen Health Insurance
Specialized health plans designed for individuals above 60 years, covering pre-existing conditions and critical illness.
Critical Illness Cover
Lump sum payout upon diagnosis of serious illnesses such as cancer, heart attack, stroke, kidney failure, and more.
Top-Up and Super Top-Up Plans
Cost-effective plans that activate after your base cover is exhausted, providing additional protection at lower premiums.
Maternity Insurance
Covers pre- and post-natal expenses, delivery costs, and newborn care.
Key Features to Look for in a Health Plan
- Cashless hospitalization network — large hospital network for direct billing
- Pre- and post-hospitalization expenses coverage
- No-claim bonus — sum insured increases with each claim-free year
- Lifetime renewability
- Minimum waiting period for pre-existing diseases
- Day-care procedures coverage
- AYUSH treatment coverage (Ayurveda, Yoga, Unani, Siddha, Homeopathy)
Why Get Health Insurance Through HAWMS / Secureline?
- Comparison across multiple insurers to find the best plan for your budget
- Transparent disclosure of inclusions and exclusions
- Assistance during hospitalisation and cashless claim processing
- Annual policy review to ensure your coverage keeps pace with rising medical costs
- Malayalam-speaking advisors for easy communication across Kerala
📞 Ready to get started? Contact HAWMS Financial Services today. Visit: www.hawms.in | WhatsApp us for a free consultation.
General Insurance
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Protect What Matters — Comprehensive General Insurance Solutions
Beyond life and health, a wide range of your most valuable assets — your home, car, business, travel plans, and more — need protection from unexpected events. HAWMS Financial Services, through Secureline Assurance IMF Pvt. Ltd., provides access to a comprehensive suite of general insurance products from leading insurers.
General Insurance Products We Offer
Motor Insurance
Mandatory and comprehensive coverage for your car, two-wheeler, or commercial vehicle. Includes third-party liability and own damage cover.
- Private Car Insurance
- Two-Wheeler Insurance
- Commercial Vehicle Insurance
Home / Householder’s Insurance
Protects your home structure and contents against fire, natural disasters, burglary, and accidental damages.
Travel Insurance
International and domestic travel insurance covering medical emergencies abroad, trip cancellations, lost baggage, and passport loss.
Personal Accident Insurance
Provides financial compensation for accidental death, permanent disability, and temporary disability resulting from accidents.
Liability Insurance
Protects individuals and businesses from legal liabilities arising from third-party bodily injury or property damage.
Why General Insurance Is Essential
- Protects assets you have worked hard to build
- Covers unexpected repair and replacement costs
- Mandatory in many cases (motor third-party insurance is legally required)
- Provides peace of mind during travel and daily life
Why Choose HAWMS / Secureline for General Insurance?
- Access to products from multiple IRDAI-registered general insurers
- Quick quote comparison and policy issuance
- Dedicated claims support from first notice to settlement
- Annual renewal reminders and coverage reviews
📞 Ready to get started? Contact HAWMS Financial Services today. Visit: www.hawms.in | WhatsApp us for a free consultation.
Employee Protection Insurance
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Protect Your Most Valuable Asset — Your Employees
Your employees are the backbone of your business. Providing them with comprehensive insurance protection is not only a legal and ethical responsibility — it is also a powerful tool for talent retention and corporate brand building. HAWMS Financial Services, through Secureline Assurance IMF Pvt. Ltd., offers a complete suite of Employee Protection Insurance solutions for businesses of all sizes.
Group Health Insurance (GMC — Group Medical Cover)
A Group Medical Cover (GMC) policy provides health insurance to all your employees and their dependents under a single master policy. It is one of the most sought-after employee benefits in India today.
Key Features of GMC
- Covers hospitalization, surgeries, ICU charges, and pre/post hospitalization
- Cashless treatment at network hospitals
- Maternity benefits and newborn coverage options
- No pre-medical examination required for employees
- Customizable sum insured and benefit structures
- Single master policy covering all employees — easy administration
- Available for companies with as few as 7 employees
Personal Accident Insurance (Group PA)
Group Personal Accident Insurance protects your employees and their families in the event of accidental death, permanent disability, or temporary disability.
- 24/7 worldwide coverage — accidents at work or outside
- Accidental death benefit — lump sum to the nominee
- Permanent total / partial disability benefit
- Temporary total disability benefit (weekly income compensation)
- Education benefit for children of deceased employees
Employee Compensation Insurance (Workmen Compensation / Employer’s Liability)
As mandated by the Employees’ Compensation Act, 1923, this policy protects employers from financial liability for work-related injuries, illnesses, or deaths sustained by employees.
- Covers compensation payable to workers for work-related injuries
- Covers occupational diseases
- Legal liability protection for the employer
- Applicable for both permanent and contractual workers
- Critical for manufacturing, construction, and logistics industries
Why HAWMS / Secureline for Employee Protection?
- Customized benefit design aligned with your HR and budget parameters
- Comparison across multiple leading insurers for best rates
- Seamless employee enrollment and claims management
- Annual review to ensure coverage keeps pace with headcount changes
- Malayalam-speaking advisors across Kerala
📞 Ready to get started? Contact HAWMS Financial Services today. Visit: www.hawms.in | WhatsApp us for a free consultation.
Asset Protection Insurance
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Safeguard Your Business Assets — Comprehensive Asset Protection Insurance
For businesses, physical assets — factories, warehouses, machinery, goods in transit, and equipment — represent massive capital investments. A single fire, flood, theft, or equipment breakdown can result in losses that threaten the very survival of a business. HAWMS Financial Services, through Secureline Assurance IMF Pvt. Ltd., provides robust Asset Protection Insurance solutions to safeguard your most critical business assets.
Property & Fire Insurance
Property and Fire Insurance protects your business premises, structures, and contents against a wide range of perils.
What It Covers
- Fire and allied perils: lightning, explosion, implosion
- Natural disasters: floods, earthquakes, storms, cyclones
- Man-made perils: riots, strikes, malicious damage
- Burglary and theft
- Building structure, plant and machinery, stock, furniture, and fixtures
Types of Property Insurance
- Standard Fire and Special Perils Policy (SFSP) — most common business fire policy
- Bharat Griha Raksha — for residential properties
- Bharat Laghu Udyam Suraksha — for small businesses
- Industrial All Risk (IAR) Policy — comprehensive cover for large industrial units
Marine Insurance
Marine Insurance covers goods and cargo against loss or damage during transportation — by sea, air, road, or rail — and is essential for businesses involved in import, export, or domestic trade.
Types of Marine Insurance
- Marine Cargo Insurance — covers goods in transit
- Marine Hull Insurance — covers vessels and ships
- Inland Transit Insurance — covers domestic road and rail cargo
- Open Cover Policy — blanket cover for multiple shipments
What Marine Insurance Covers
- Loss or damage to cargo during transit
- General average contributions
- War and SRCC (Strikes, Riots, Civil Commotion) perils on option
- Theft, pilferage, and non-delivery
Engineering Insurance
Engineering Insurance is designed for businesses with significant investment in machinery, equipment, and infrastructure projects. It protects against sudden, unforeseen physical damage to machinery and equipment during operation, testing, and erection.
Types of Engineering Insurance
- Machinery Breakdown Insurance (MBI) — sudden mechanical/electrical failure
- Contractors’ All Risk (CAR) Insurance — for construction projects
- Erection All Risk (EAR) Insurance — for installation of plant and machinery
- Electronic Equipment Insurance (EEI) — for computers, servers, and electronic systems
- Boiler and Pressure Vessel Insurance
Why Asset Protection Insurance is Critical for Your Business
- Assets often represent the largest portion of a business’s balance sheet
- Uninsured losses can lead to business closure
- Lenders and banks often require property and engineering insurance as loan conditions
- Business continuity protection — keeps operations going after a loss
Why Choose HAWMS / Secureline for Asset Protection?
- Detailed asset survey and insurance needs assessment
- Comparison of policies from leading general insurers
- Customized policy structuring for your industry and risk profile
- Dedicated claims support — from first notification to final settlement
- Annual policy review as assets grow and change
📞 Ready to get started? Contact HAWMS Financial Services today. Visit: www.hawms.in | WhatsApp us for a free consultation.