What We Cover
Peace of mind shouldn't come with a confusing price tag.
Term Life Insurance
Pure protection at the lowest cost. We help you calculate the right cover,typically 10-15x your annual income,without overpaying.
Health Insurance
Family floater, super top-up, or critical illness,we analyze gaps in your existing cover and recommend what you actually need.
Cover Gap Analysis
Already have insurance? We review your policies for hidden exclusions, waiting periods, and under-insurance that could leave you exposed.
Over-Insurance Check
Paying too many premiums? We identify overlapping covers and policies you don't need,so you can redirect that money to investments.
Common Questions
Why should I buy term insurance instead of endowment plans?
Term insurance gives you maximum coverage at minimum cost. Endowment plans mix insurance with investment,and do both poorly. A ₹1 Cr term plan costs ₹10-15K/year, while an endowment plan with ₹1 Cr cover could cost ₹5-8 lakh/year.
How much life insurance cover do I need?
A common rule: 10-15x your annual income, minus existing assets, plus outstanding loans. For example, if you earn ₹12L/year with a ₹50L home loan, you'd need at least ₹1.5-2 Cr cover.
Is employer health insurance enough?
Usually not. Employer plans typically cover ₹3-5 lakhs and end when you leave the job. We recommend a personal family floater of at least ₹10-15 lakhs, plus a super top-up for catastrophic events.
Do you sell insurance policies?
We provide advisory services and help you understand what you need. For policy purchase, we guide you to the right product and can assist with the process through our licensed partners.