Insurance Planning
Protection-first planning for life, health and assets, so that one emergency does not disturb years of savings and wealth building.
← Back to all servicesWhat we help you with
- Term life insurance and income protection
- Health and family floater policies
- Critical illness and personal accident covers
- Motor, home and travel insurance
- Reviewing existing policies and closing gaps
- Claims guidance and documentation support
Our planning approach
- Risk & responsibility mappingDependants, loans, lifestyle needs and business exposure.
- Coverage calculationHow much life and health cover you actually need — not just what is being sold.
- Product selectionCompare plans from multiple insurers on benefits, premiums and claim record.
- Policy set-up & reviewHelp with proposal forms, medicals and a yearly review as life changes.
What you should bring
- Existing policy copies, if any
- Basic details of loans and dependants
- Income details for term cover estimation
- Medical history summary, if applicable
Review your insurance
Individuals, families, professionals and business owners who want structured protection instead of a drawer full of random policies.
Call UsOther ways
we can help.
Find out what
you are missing.
Most people discover they are under-insured only when they need the cover. A ten-minute review is worth it.
Common questions
How much term cover do I actually need?
A common starting point is ten to fifteen times your annual income, but that is a rule of thumb rather than an answer. The figure that matters is what your family would need to clear outstanding loans, cover living costs until dependants are independent, and fund specific goals such as education.
Someone with a home loan and two young children needs materially more than someone on the same salary with neither.
What is the difference between term insurance and investment-linked plans?
Term insurance is pure protection — it pays out if you die during the policy term, and nothing if you survive it. Because there is no savings component, the cover per rupee of premium is far higher.
Investment-linked plans bundle insurance with investment. They return something at maturity, but the cover is usually much smaller for the same premium and the charges are harder to see. Which suits you depends on what you are actually trying to solve — protection or savings.
Is my employer's health cover enough?
It is a useful base but rarely sufficient on its own. It typically ends the day you leave the job, may not cover parents, and the sum insured is often modest against the cost of a serious hospitalisation. A personal policy held alongside it means you are not left uninsured during a job change.