IN
Insurance
Secure your family's income, health and future against life's uncertainties.
- Life Insurance
- Term Insurance
- Health Insurance
Since 1994 32 Years Of Trusted Financial Solutions
Protect Today. Grow Tomorrow.
Life, term and health insurance, mutual funds, SIPs and business loans, all planned together by one trusted family of advisors from Latur.
32+Years of trusted advice
12+Insurance partners
15Financial solutions
Trust metrics
32+Years of experienceServing families and businesses from Latur
12+Insurance partnersCompare leading life and health insurers
15Financial solutionsInsurance, investments and loans
7Awards & honoursRecognised for service excellence
Insurance companies we work with
Logos are trademarks of their respective owners and are shown only to identify the insurers whose products we offer.
What we do
One trusted partner for every financial need
Protection, growth and funding. We bring it together into one simple plan, reviewed with you year after year.
IV
Investments
Grow your wealth with goal-based plans built around your life, not market noise.
- Mutual Funds & SIP Investments
- Investment Plans & Tax Saving
- Retirement Planning & Financial Advisory
LN
Loans
Fund your business growth, machinery and property plans through trusted lenders.
- Business, Corporate & Working Capital Loans
- Machine Funding
- Loan Against Property & Loans for Professionals
Insurance
The right cover for every stage of life
We compare plans from leading insurers and recommend cover that fits your needs, not a sales target.
Life Insurance
Protection combined with disciplined savings for goals like your child's future and a secure retirement.
- Savings & endowment plans
- Child future plans
- Guaranteed income options
Term Insurance
High life cover at an affordable premium, the foundation of every sound financial plan.
- Income replacement for your family
- Loan and liability protection
- Critical illness & accident riders
Health Insurance
Cashless hospitalisation cover that protects your savings from rising medical costs.
- Individual & family floater
- Senior citizen plans
- Super top-up & critical illness
Investment solutions
Make your money work as hard as you do
Goal-based investing with regular reviews, so every rupee has a purpose.
Mutual Funds
Diversified portfolios across equity, debt and hybrid funds.
SIP Investments
Build wealth steadily with small, disciplined monthly investments.
Tax Saving
ELSS and other eligible options to reduce tax while you grow wealth.
Retirement
A retirement corpus plan that lets you retire on your terms.
Wealth Building
Long-term strategies for financial independence and legacy.
The Terkar financial ecosystem
Four pillars. One complete financial life.
Each part of your plan does one job well. Together they protect, grow, secure and optimise everything you earn.
Insurance → Protection
Term, life and health cover keep your family's lifestyle and savings safe, whatever happens.
Mutual Funds → Growth
SIPs and diversified funds let your money compound steadily towards your biggest goals.
Retirement Planning → Future Security
A clear retirement corpus target and a monthly plan to reach it, so you can retire with dignity.
Tax Savings → Efficiency
Use eligible deductions wisely, so more of what you earn stays invested for you.
Why choose us
Advice you can trust for a lifetime
For over three decades, families across Latur have trusted us with what matters most. Here is why they stay.
32 years of experience
Insight earned across market cycles, life events and thousands of conversations.
One partner, complete plan
Insurance, investments and loans coordinated by a single trusted advisor.
Unbiased comparison
Plans from 12+ insurers compared side-by-side for your needs.
Claim support
Help with documentation and follow-up when your family needs it most.
Personal, family-run service
You talk to Vilas or Dhiraj Terkar directly, not a call centre.
Annual reviews
Your plan evolves as your income, family and goals change.
Awards & recognition
Your protection journey
From where you are to where you want to be
Every plan we build follows four clear steps. Scroll to walk through yours.
- Step 01Life StageWe start by understanding who you are and who depends on you.
- Step 02Risk AnalysisWe identify what could derail your family's finances.
- Step 03Recommended ProtectionWe build the right mix of cover, in the right amounts.
- Step 04Long-Term Wealth CreationOnce you are protected, your money is free to grow.
Every life stage has different priorities
Tell us where you are today. Your plan starts from your reality, not a generic product.
Young professionalFirst salary, first goals
Newly marriedTwo incomes, shared dreams
Growing familyChildren, home, education
Business ownerProtect the business and family
Pre-retireeSecuring the next chapter
NRI familyPlanning for loved ones in India
We map the risks to your family's future
An example risk profile for a 35-year-old parent with a home loan:
The right cover, in the right amount
Each risk is matched with a specific solution, so there are no gaps and no overlaps.
TI
Term insuranceReplaces income if the unexpected happens
HI
Family health coverCashless treatment, savings stay intact
CI
Critical illness riderLump sum on diagnosis of major illness
LP
Loan protectionYour home stays with your family
Protected families can invest with confidence
With risks covered, SIPs, tax-saving funds and retirement plans can compound for decades.
Year 1Illustrative compoundingYear 20
Financial calculators
See your future in numbers
Adjust the sliders and watch your plan update instantly. Then let us turn it into reality.
Investment
SIP Calculator
See how a disciplined monthly SIP can grow over time.
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₹500₹2 Lakh
Enter an amount between ₹500 and ₹10,00,000.
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1%30%
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Yrs
1 yr40 yrs
Enter a period between 1 and 40 years.
Estimated value₹0at the end of the selected period
- Invested amount₹0
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Illustration only, assuming a constant rate of return. Actual returns vary. Mutual fund investments are subject to market risks; read all scheme-related documents carefully.
Client stories
Trusted by families across Latur
Real relationships built over years, and often across generations.
When my father was hospitalised, the Terkar team handled everything with the insurer. We only had to focus on his recovery.
They explained SIPs in simple language. Years later, my child's education fund is right on track.
From my term plan to the working capital loan for my shop, one call to Dhiraj sir sorts it out.
FAQs
Questions, answered clearly
Can't find what you're looking for? Call or WhatsApp us. We're happy to help.
What services does Terkar Bima Services offer?
We advise on life, term and health insurance, mutual funds and SIPs, retirement and tax-saving investments, and arrange business, corporate, working capital, machine funding, loan against property and professional loans.
Is the first consultation free?
Yes. Your first financial review is free and comes with no obligation to buy.
How much life insurance cover do I need?
A common starting point is 10 to 20 times your annual income, adjusted for loans, goals and existing savings. Try our Life Insurance Need Calculator for a personalised estimate.
What is the difference between term insurance and life insurance?
Term insurance is pure protection: a high cover for a low premium, paid only if the insured person dies during the policy term. Other life insurance plans combine protection with savings or investment and usually cost more for the same cover.
Can I start a SIP with a small amount?
Yes. Many mutual fund schemes accept SIPs from as little as ₹500 per month. We help you choose schemes that match your goals and risk profile.
Do you help with insurance claims?
Yes. We guide you through documentation and follow up with the insurance company, so your family is not alone when it matters most.
Free financial review
Let's build your family's financial plan together
Share a few details and we'll reply on WhatsApp to schedule a convenient time, at our Market Yard office or over a call.
- No-obligation, needs-based advice
- Compare plans from 12+ insurers
- Insurance, investments and loans in one plan