Cover sized against your liabilities, not against a sales target.
Term, health, motor and business cover chosen on claim record and policy wording. We review what you already hold before recommending anything new.
What’s included
Needs analysis
Cover computed from loans, dependants, years to retirement and lifestyle — not a thumb rule.
Policy comparison
Two or three options with premiums, exclusions, waiting periods and claim-settlement records.
Gap and overlap audit
We find duplicated cover, unnecessary riders and policies you should stop paying for.
Claims assistance
Documentation and follow-up support at claim time, for you or your nominee.
How we work on this
- 1
Share your policies
Send PDFs on WhatsApp or email. No forms to fill in.
- 2
Gap analysis
We quantify the shortfall against your actual liabilities and dependants.
- 3
Written recommendation
Shortlisted options with the trade-offs stated plainly.
- 4
Issuance and renewals
We handle paperwork, medicals and annual renewal reminders.
- Anyone with dependants, a home loan or a business liability
- Families relying only on employer-provided health cover
- Parents wanting cover in place before starting long-term investments
- Business owners needing group, liability or keyman cover
Insurance is the subject matter of solicitation. Policy terms, exclusions and waiting periods vary by insurer — read the policy document carefully.
Common questions
For pure protection, yes. Term gives the highest cover per rupee of premium; investment-linked policies serve a different, narrower purpose.
Almost always. Employer cover ends with the job, is often capped low, and becomes hardest to replace at exactly the age you need it.
Yes — claims support is part of the service, including documentation and insurer follow-up on behalf of your nominee.
Usually yes, at renewal, carrying accrued waiting-period credit. We will compare before recommending a switch.
Cover first — then this is what the rest can do.
Once your family is properly covered, the surplus goes to work. Here is what a disciplined monthly amount builds alongside it.
FreeNo sign-upNothing is stored
Investing ₹15,000 every month for 15 years at 12% p.a.
Find out if your family is properly covered
A 30-minute conversation, no obligation. Bring your goals and current position — you'll leave with a clear first step.
- Reply within one working day
- No product pitch
- AMFI & IRDAI registered
- A 30-minute call about your goals
- A written plan, with the reasoning
- You decide — no obligation