What this is
Insurance is the foundation of a financial plan, not an afterthought. We're not in the business of pushing endowment policies that mix insurance with weak investment returns. Pure term life cover, family floater health cover, top-ups, and critical illness riders — chosen for value, not for the commission they pay us.
- Pure term life cover (typically ₹1 Cr+ sum assured for most clients)
- Family floater + individual health policies with top-ups
- Critical illness and personal accident riders
- Annual review at policy renewal — sum assured kept ahead of inflation
- Independent — we compare quotes across 8+ insurers
FAQ
- Do you sell ULIPs or endowment plans?
- We rarely recommend them. The same goals (life cover + long-term investing) are achieved more cheaply with separate term insurance and mutual funds — and you get full transparency on what's earning what.
- How much life cover do I need?
- A common rule of thumb is 15-20× your annual income, adjusted for outstanding loans and dependents' future needs. We'll work the actual number for your situation.
- Term insurance till what age?
- Cover should last as long as someone depends on your income. Most clients hold term policies till retirement (age 60-65). Cover beyond that age is usually unnecessary if your investment corpus is on track.
- Health insurance via my employer — do I still need a personal policy?
- Yes. Employer cover ends the day you leave the company. A personal floater started young gives you a no-claim bonus, lifelong renewability, and continuity that an employer plan can't.