Our Services
Innovative Financial Services
For Today & Tomorrow
Term Life Insurance
Final Expense
Indexed Universal Life (IUL)
Annuities
Confidently Secure Your Future With Our 6-Step Enrollment Process
Initial Consultation
Discuss your financial goals and concerns with the agent to identify your needs.
step 1Needs Assessment
The agent evaluates your financial situation to determine the appropriate coverage or annuity amount.
step 2Product Recommendation
The agent presents tailored insurance or annuity options that fit your needs.
step 3Application Submission
Fill out the application with the agent, including personal and health information.
step 4Policy Issuance & Enrollment
Once approved, your policy is issued, and coverage begins with your first payment.
Frequently Asked Questions About Insurance
decision-making.
1. What types of insurance does Sagaram Financial Services offer?
Sagaram Financial Services offers a variety of insurance products, including Term Life Insurance, Final Expense Insurance, Indexed Universal Life Insurance (IUL), and Annuities.
2. How do I determine which insurance product is right for me?
Choosing the right insurance product depends on your financial goals, needs, and circumstances. Our advisors can help you understand your options and guide you towards the best choice for your situation.
3. What is the difference between term life insurance and permanent life insurance?
Term life insurance provides coverage for a specific period, typically 10, 20, or 30 years. Permanent life insurance, such as Indexed Universal Life (IUL), offers lifelong coverage and includes a cash value component that can grow over time.
4. How can I get a quote for an insurance policy?
You can get a quote by contacting us directly through our website or by calling our customer service team. We will gather some basic information and provide you with a customized quote.
5. What factors influence the cost of my insurance premiums?
Premium costs are influenced by factors such as your age, health, lifestyle, coverage amount, and the type of insurance policy you choose.
6. Do you offer support for non-US citizens?
Yes, we provide insurance solutions and support for non-US citizens, including those residing in the U.S. on approved valid visas. We offer multilingual support in English, Telugu, and Hindi.
7. How do I contact customer support?
You can contact our customer support team through our website, by phone, or by email. We are here to assist you with any questions or concerns you may have.
9. What is final expense insurance?
Final expense insurance is designed to cover end-of-life expenses such as funeral costs, medical bills, and other debts, providing financial relief to your loved ones.
10. Is final expense insurance different from traditional life insurance?
Yes, final expense insurance typically offers lower coverage amounts and is easier to qualify for, focusing primarily on covering funeral and related costs.