Cover is not a multiple of income. It is a number you can compute from your own balance sheet.
The ten-times-income rule is a starting point for a sales conversation, not an answer. Two people on the same salary can need very different cover.
Add outstanding loans, the cost of dependants until they are independent, and the income your family would need replaced until retirement. Subtract existing assets and cover already held.
Buy the cover you need for the years you need it, and keep the product simple enough that a nominee can claim it without help.
It takes about a minute. Move the sliders, see the number, and send it to us if you want to talk it through.
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Investing ₹15,000 every month for 15 years at 12% p.a.
Not a slogan about compounding. The number, worked out: a five-year delay removes about half the final corpus, and the proportion does not change with the amount.
Read more →Mutual FundsExpense ratio, portfolio turnover, rolling returns, drawdown and mandate drift.
Read more →RetirementInflation-adjusted expenses, healthcare buffers and safe withdrawal rates.
Read more →Bring your goals and your current position. You'll leave the first conversation with a clear first step, whether or not you work with us.
