Insurance is a hedge, not an investment. We size cover to your real liabilities and dependants, and we keep the products plain — term, health, and targeted asset cover.
Starting income, no savings buffer. Term + health cover is the foundation — everything else waits.
Large outstanding EMI. We right-size term cover so the family home is never at risk from a single event.
New dependant, new horizon. Cover is sized to the child's full education timeline, not a round-number figure.
Personal and business liabilities intertwine. We coordinate keyman, office, and personal cover as one portfolio.
We tally loans, dependants, and lifestyle obligations to a defensible cover figure.
Plain-vanilla products from insurers with strong claim ratios — no ULIPs, no money-back dressed up.
We handle medical underwriting, negotiate sub-limits, and stay on claims if something goes wrong.
Term cover gives you the highest sum assured per rupee of premium. Investment wrappers inside insurance products dilute both the protection and the return. We separate protection (term) from wealth creation (mutual funds) so each does its job well.
A defensible baseline is 10–15× annual income plus all outstanding liabilities plus the present value of major future goals (education, retirement). We compute this explicitly and revisit it every year.
Yes. Employer cover ends with employment, and sub-limits are often inadequate for private hospitals. A personal base policy is the belt; employer cover is the suspenders.
Yes. Claims support is part of the relationship, not an extra service. We have in-house experience across most major insurers' claim desks.
A thirty-minute discovery call — no obligation, no product pitch.
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