{"id":987497870,"date":"2025-07-08T10:36:39","date_gmt":"2025-07-08T10:36:39","guid":{"rendered":"https:\/\/totdhanalakshmi.com\/?page_id=987497870"},"modified":"2025-07-22T09:54:34","modified_gmt":"2025-07-22T09:54:34","slug":"services","status":"publish","type":"page","link":"https:\/\/totdhanalakshmi.com\/index.php\/services\/","title":{"rendered":"Services"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#233134&#8243; custom_padding=&#8221;22px|||||&#8221; bottom_divider_style=&#8221;asymmetric4&#8243; bottom_divider_color=&#8221;#ffc47c&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_heading title=&#8221;Our Insurance Plans&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_text_align=&#8221;center&#8221; title_text_color=&#8221;#ffc47c&#8221; title_font_size=&#8221;45px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; width=&#8221;100%&#8221; max_width=&#8221;100%&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][dipl_image_card_carousel cards_per_slide=&#8221;4&#8243; space_between_slides=&#8221;25px&#8221; slider_loop=&#8221;on&#8221; autoplay_speed=&#8221;2000&#8243; show_arrow=&#8221;on&#8221; show_arrow_on_hover=&#8221;on&#8221; show_control_dot=&#8221;on&#8221; control_dot_style=&#8221;stretched_dot&#8221; arrow_color=&#8221;#233134&#8243; arrow_background_color=&#8221;#ffc47c&#8221; control_dot_active_color=&#8221;#57777c&#8221; 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custom_css_main_element=&#8221;font-weight: 400;&#8221; global_colors_info=&#8221;{}&#8221;][dipl_image_card_carousel_item title=&#8221;Amritbal&#8221; image=&#8221;https:\/\/totdhanalakshmi.com\/wp-content\/uploads\/2025\/07\/Kids-future.jpg&#8221; icon_alignment=&#8221;center&#8221; icon_color=&#8221;#feece1&#8243; style_icon=&#8221;on&#8221; icon_shape=&#8221;dipl_icon_shape_circle&#8221; shape_bg_color=&#8221;#265a64&#8243; show_button=&#8221;on&#8221; button_text=&#8221;Request a Quote&#8221; button_url=&#8221;https:\/\/totdhanalakshmi.com\/index.php\/contact\/&#8221; content_custom_padding_tablet=&#8221;&#8221; content_custom_padding_phone=&#8221;20px|10px|20px|10px|true|true&#8221; content_custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;&#8211;et_global_body_font||||||||&#8221; title_text_color=&#8221;#ffc47c&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_border_width=&#8221;1px&#8221; button_border_color=&#8221;#FFFFFF&#8221; button_border_radius=&#8221;0px&#8221; button_use_icon=&#8221;off&#8221; button_custom_padding=&#8221;4px|30px|4px|30px|false|false&#8221; button_custom_padding_tablet=&#8221;8px|60px|8px|60px|false|false&#8221; button_custom_padding_phone=&#8221;8px|40px|8px|40px|false|false&#8221; button_custom_padding_last_edited=&#8221;on|phone&#8221; text_orientation=&#8221;center&#8221; title_font_size_tablet=&#8221;40px&#8221; title_font_size_last_edited=&#8221;off|desktop&#8221; button_text_size_tablet=&#8221;&#8221; button_text_size_phone=&#8221;16px&#8221; button_text_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#FFFFFF&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_text_color__hover=&#8221;#265a64&#8243;]<\/p>\n<p style=\"text-align: left;\"><strong><em data-start=\"799\" data-end=\"814\">Who it\u2019s for:<\/em><\/strong><span>\u00a0<\/span>Perfect for young investors aiming to build wealth over the long term.<\/p>\n<p style=\"text-align: left;\"><strong><em data-start=\"903\" data-end=\"913\">Benefit:<\/em><\/strong><span>\u00a0<\/span>Enjoy guaranteed additions throughout the policy term with flexible premium payments.<\/p>\n<p>[\/dipl_image_card_carousel_item][dipl_image_card_carousel_item title=&#8221;New Tech Term&#8221; image=&#8221;https:\/\/totdhanalakshmi.com\/wp-content\/uploads\/2025\/07\/Tech-term.jpg&#8221; icon_alignment=&#8221;center&#8221; icon_color=&#8221;#feece1&#8243; style_icon=&#8221;on&#8221; icon_shape=&#8221;dipl_icon_shape_circle&#8221; shape_bg_color=&#8221;#265a64&#8243; show_button=&#8221;on&#8221; button_text=&#8221;Request a Quote&#8221; button_url=&#8221;https:\/\/totdhanalakshmi.com\/index.php\/contact\/&#8221; content_custom_padding_tablet=&#8221;&#8221; content_custom_padding_phone=&#8221;20px|10px|20px|10px|true|true&#8221; content_custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;&#8211;et_global_body_font||||||||&#8221; title_text_color=&#8221;#ffc47c&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;rgba(255,255,255,0)&#8221; button_border_width=&#8221;1px&#8221; button_border_color=&#8221;#FFFFFF&#8221; button_border_radius=&#8221;0px&#8221; button_use_icon=&#8221;off&#8221; button_custom_padding=&#8221;4px|30px|4px|30px|false|false&#8221; button_custom_padding_tablet=&#8221;8px|60px|8px|60px|false|false&#8221; button_custom_padding_phone=&#8221;8px|40px|8px|40px|false|false&#8221; button_custom_padding_last_edited=&#8221;on|phone&#8221; text_orientation=&#8221;center&#8221; button_text_size_tablet=&#8221;&#8221; button_text_size_phone=&#8221;16px&#8221; button_text_size_last_edited=&#8221;on|phone&#8221; button_bg_color_last_edited=&#8221;off|desktop&#8221; global_colors_info=&#8221;{}&#8221; button_text_color__hover_enabled=&#8221;on|desktop&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_bg_color_gradient_end__hover=&#8221;#265a64&#8243; button_bg_use_color_gradient__hover=&#8221;off&#8221; button_bg_color_gradient_start__hover=&#8221;#296b75&#8243; button_text_color__hover=&#8221;#104c57&#8243; button_bg_color__hover=&#8221;#FFFFFF&#8221; button_bg_color_gradient_stops__hover=&#8221;#296b75 0%|#265a64 100%&#8221;]<\/p>\n<p style=\"text-align: left;\"><strong><em data-start=\"799\" data-end=\"814\">Who it\u2019s for:<\/em><\/strong><span>\u00a0<\/span>Geared for digital-first users wanting low-cost pure-term coverage.<\/p>\n<p style=\"text-align: left;\"><strong><em data-start=\"903\" data-end=\"913\">Benefit:<\/em><\/strong><span>\u00a0<\/span>High sum assured at low premium, with special rates for women &amp; non\u2011smokers.<\/p>\n<p>[\/dipl_image_card_carousel_item][dipl_image_card_carousel_item title=&#8221;New Jeevan\u202fShanti&#8221; image=&#8221;https:\/\/totdhanalakshmi.com\/wp-content\/uploads\/2025\/07\/Individual-Retirement.jpg&#8221; icon_alignment=&#8221;center&#8221; icon_color=&#8221;#feece1&#8243; style_icon=&#8221;on&#8221; icon_shape=&#8221;dipl_icon_shape_circle&#8221; shape_bg_color=&#8221;#265a64&#8243; show_button=&#8221;on&#8221; button_text=&#8221;Request a Quote&#8221; button_url=&#8221;https:\/\/totdhanalakshmi.com\/index.php\/contact\/&#8221; content_custom_padding_tablet=&#8221;&#8221; content_custom_padding_phone=&#8221;20px|10px|20px|10px|true|true&#8221; content_custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;&#8211;et_global_body_font||||||||&#8221; title_text_color=&#8221;#ffc47c&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_border_width=&#8221;1px&#8221; button_border_color=&#8221;#FFFFFF&#8221; button_border_radius=&#8221;0px&#8221; button_use_icon=&#8221;off&#8221; button_custom_padding=&#8221;4px|30px|4px|30px|false|false&#8221; button_custom_padding_tablet=&#8221;8px|60px|8px|60px|false|false&#8221; button_custom_padding_phone=&#8221;8px|40px|8px|40px|false|false&#8221; button_custom_padding_last_edited=&#8221;on|phone&#8221; text_orientation=&#8221;center&#8221; button_text_size_tablet=&#8221;&#8221; button_text_size_phone=&#8221;16px&#8221; button_text_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_bg_color_gradient_end__hover=&#8221;#265a64&#8243; button_bg_use_color_gradient__hover=&#8221;off&#8221; button_bg_color_gradient_start__hover=&#8221;#286872&#8243; button_text_color__hover=&#8221;#265a64&#8243; button_bg_color__hover=&#8221;#FFFFFF&#8221; button_bg_color_gradient_stops__hover=&#8221;#286872 0%|#265a64 100%&#8221;]<\/p>\n<p style=\"text-align: left;\"><strong><em data-start=\"799\" data-end=\"814\">Who it\u2019s for:<\/em><\/strong><span>\u00a0<\/span>Suited for individuals planning retirement with a future steady income stream.<\/p>\n<p style=\"text-align: left;\"><strong><em data-start=\"903\" data-end=\"913\">Benefit:<\/em><\/strong><span>\u00a0<\/span>Deferred annuity: pay once, receive guaranteed lifelong payouts post-deferment.<\/p>\n<p>[\/dipl_image_card_carousel_item][dipl_image_card_carousel_item title=&#8221;Jeevan\u202fAkshay&#8221; image=&#8221;https:\/\/totdhanalakshmi.com\/wp-content\/uploads\/2025\/07\/Retirement1.jpg&#8221; icon_alignment=&#8221;center&#8221; icon_color=&#8221;#feece1&#8243; style_icon=&#8221;on&#8221; icon_shape=&#8221;dipl_icon_shape_circle&#8221; shape_bg_color=&#8221;#265a64&#8243; show_button=&#8221;on&#8221; button_text=&#8221;Request a Quote&#8221; button_url=&#8221;https:\/\/totdhanalakshmi.com\/index.php\/contact\/&#8221; content_custom_padding_tablet=&#8221;&#8221; content_custom_padding_phone=&#8221;20px|10px|20px|10px|true|true&#8221; content_custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;&#8211;et_global_body_font||||||||&#8221; title_text_color=&#8221;#ffc47c&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_border_width=&#8221;1px&#8221; button_border_color=&#8221;#FFFFFF&#8221; button_border_radius=&#8221;0px&#8221; button_use_icon=&#8221;off&#8221; button_custom_padding=&#8221;4px|30px|4px|30px|false|false&#8221; button_custom_padding_tablet=&#8221;8px|60px|8px|60px|false|false&#8221; button_custom_padding_phone=&#8221;8px|40px|8px|40px|false|false&#8221; button_custom_padding_last_edited=&#8221;on|phone&#8221; text_orientation=&#8221;center&#8221; button_text_size_tablet=&#8221;&#8221; button_text_size_phone=&#8221;16px&#8221; button_text_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_bg_color_gradient_end__hover=&#8221;#265a64&#8243; button_bg_use_color_gradient__hover=&#8221;off&#8221; button_bg_color_gradient_start__hover=&#8221;#296d75&#8243; button_text_color__hover=&#8221;#265a64&#8243; button_bg_color__hover=&#8221;#FFFFFF&#8221; button_bg_color_gradient_stops__hover=&#8221;#296d75 0%|#265a64 100%&#8221;]<\/p>\n<p style=\"text-align: left;\"><strong><em data-start=\"799\" data-end=\"814\">Who it\u2019s for:<\/em><\/strong><span>\u00a0<\/span>Ideal for retirees seeking guaranteed lifetime income from a one-time investment.<\/p>\n<p style=\"text-align: left;\"><strong><em data-start=\"903\" data-end=\"913\">Benefit:<\/em><\/strong><span>\u00a0<\/span>Offers fixed annuity options (single\/joint life, return of purchase price, escalating rate) payable for life.<\/p>\n<p>[\/dipl_image_card_carousel_item][dipl_image_card_carousel_item title=&#8221;Jeevan Utsav&#8221; image=&#8221;https:\/\/totdhanalakshmi.com\/wp-content\/uploads\/2025\/07\/Savings.jpg&#8221; icon_alignment=&#8221;center&#8221; icon_color=&#8221;#feece1&#8243; style_icon=&#8221;on&#8221; icon_shape=&#8221;dipl_icon_shape_circle&#8221; shape_bg_color=&#8221;#265a64&#8243; show_button=&#8221;on&#8221; button_text=&#8221;Request a Quote&#8221; button_url=&#8221;https:\/\/totdhanalakshmi.com\/index.php\/contact\/&#8221; content_custom_padding_tablet=&#8221;&#8221; content_custom_padding_phone=&#8221;20px|10px|20px|10px|true|true&#8221; content_custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;&#8211;et_global_body_font||||||||&#8221; title_text_color=&#8221;#ffc47c&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_border_width=&#8221;1px&#8221; button_border_color=&#8221;#FFFFFF&#8221; button_border_radius=&#8221;0px&#8221; button_use_icon=&#8221;off&#8221; button_custom_padding=&#8221;4px|30px|4px|30px|false|false&#8221; button_custom_padding_tablet=&#8221;8px|60px|8px|60px|false|false&#8221; button_custom_padding_phone=&#8221;8px|40px|8px|40px|false|false&#8221; button_custom_padding_last_edited=&#8221;on|phone&#8221; text_orientation=&#8221;center&#8221; button_text_size_tablet=&#8221;&#8221; button_text_size_phone=&#8221;16px&#8221; button_text_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color_gradient_end__hover=&#8221;#265a64&#8243; button_bg_use_color_gradient__hover=&#8221;off&#8221; button_bg_color_gradient_start__hover=&#8221;#297077&#8243; button_text_color__hover=&#8221;#265a64&#8243; button_bg_color__hover=&#8221;#FFFFFF&#8221; button_bg_color_gradient_stops__hover=&#8221;#297077 0%|#265a64 100%&#8221;]<\/p>\n<p style=\"text-align: left;\"><strong><em data-start=\"799\" data-end=\"814\">Who it\u2019s for:<\/em><\/strong><span>\u00a0<\/span>Ideal for those seeking lifelong cover with both savings and regular income.<\/p>\n<p style=\"text-align: left;\"><strong><em data-start=\"903\" data-end=\"913\">Benefit:<\/em><\/strong><span>\u00a0<\/span>Whole-life cover with guaranteed additions and 10% annual SA payouts post-premium term.<\/p>\n<p>[\/dipl_image_card_carousel_item][dipl_image_card_carousel_item title=&#8221;Digi Term&#8221; image=&#8221;https:\/\/totdhanalakshmi.com\/wp-content\/uploads\/2025\/07\/Term-plan.jpg&#8221; icon_alignment=&#8221;center&#8221; icon_color=&#8221;#feece1&#8243; style_icon=&#8221;on&#8221; icon_shape=&#8221;dipl_icon_shape_circle&#8221; shape_bg_color=&#8221;#265a64&#8243; show_button=&#8221;on&#8221; button_text=&#8221;Request a Quote&#8221; button_url=&#8221;https:\/\/totdhanalakshmi.com\/index.php\/contact\/&#8221; content_custom_padding_tablet=&#8221;&#8221; content_custom_padding_phone=&#8221;20px|10px|20px|10px|true|true&#8221; content_custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;&#8211;et_global_body_font||||||||&#8221; title_text_color=&#8221;#ffc47c&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_border_width=&#8221;1px&#8221; button_border_color=&#8221;#FFFFFF&#8221; button_border_radius=&#8221;0px&#8221; button_use_icon=&#8221;off&#8221; button_custom_padding=&#8221;4px|30px|4px|30px|false|false&#8221; button_custom_padding_tablet=&#8221;8px|60px|8px|60px|false|false&#8221; button_custom_padding_phone=&#8221;8px|40px|8px|40px|false|false&#8221; button_custom_padding_last_edited=&#8221;on|phone&#8221; text_orientation=&#8221;center&#8221; button_text_size_tablet=&#8221;&#8221; button_text_size_phone=&#8221;16px&#8221; button_text_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color_gradient_end__hover=&#8221;#265a64&#8243; button_bg_use_color_gradient__hover=&#8221;off&#8221; button_bg_color_gradient_start__hover=&#8221;#297077&#8243; button_text_color__hover=&#8221;#265a64&#8243; button_bg_color__hover=&#8221;#FFFFFF&#8221; button_bg_color_gradient_stops__hover=&#8221;#297077 0%|#265a64 100%&#8221;]<\/p>\n<p style=\"text-align: left;\"><strong><em data-start=\"799\" data-end=\"814\">Who it\u2019s for:<\/em><\/strong><span>\u00a0<\/span>For online-savvy customers needing pure-term cover with high SA rebates.<\/p>\n<p style=\"text-align: left;\"><strong><em data-start=\"903\" data-end=\"913\">Benefit:<\/em><\/strong><span>\u00a0<\/span>Flexible cover (level\/increasing) plus attractive high sum-assured rebates online.<\/p>\n<p>[\/dipl_image_card_carousel_item][dipl_image_card_carousel_item title=&#8221;Index Plus&#8221; 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