Estate Creation is the process of building and preserving wealth during your lifetime to ensure it can be passed on to your family, heirs, or chosen beneficiaries after your death. It involves using strategic financial tools—such as life insurance, investments, trusts, and retirement plans—to accumulate assets and create a secure legacy.

Through life insurance, especially with LIC-backed plans, even individuals with limited initial capital can create a substantial estate. The payout from a policy can provide tax-free, immediate liquidity to beneficiaries, helping them maintain their lifestyle, pay debts, or invest in future goals like education and business.