If your income stopped permanently tomorrow, what would still have to be paid?
Term, endowment, savings and retirement products, structured around income replacement, outstanding liabilities and long-horizon family goals.
- IRDAI-registered
- Insurance Marketing Firm, Reg. No. IMF10800620260983
- Panel of insurers
- Placed across multiple reputed companies, not one
- Risk assessed first
- Cover sized before a product is named
- Claims supported end-to-end
- Documentation to settlement
The products
- Term insurance
- Pure protection. The largest sum assured per rupee of premium, structured to replace income and clear liabilities if the earner is no longer there.
- Endowment and savings plans
- Protection combined with a disciplined, long-horizon savings commitment, for goals with a fixed date attached.
- Retirement and annuity products
- Converting a working-life corpus into income that does not stop.
- Child and education plans
- Funding a milestone that will arrive on schedule whether or not the parent is there to fund it.
- Riders
- Critical illness, accidental death, disability and waiver-of-premium benefits, added where the underlying exposure justifies them.
Before any of the above is named
We work through, in order: current and expected income · dependants and how long each will depend · outstanding loans and their tenure · existing cover, including employer group life · liquid assets already set aside · the horizon of each family goal · health and lifestyle factors that affect underwriting.
Only then does a sum assured emerge — and it emerges as a number with reasoning behind it, not a multiple pulled from a rule of thumb.
Compared across the panel
Life products differ on more than premium: underwriting appetite for your health profile, claim settlement track record, payout structures, rider availability and cost, and the exact definitions used in critical-illness and disability wordings. We compare across our panel of insurers on those terms, and we show you the comparison.
Three recurring mistakes
Treating employer group life as their life cover.
It ends when the job does, and it was never sized to your liabilities.
Buying a savings product when they needed protection.
They are different jobs. Blending them usually produces mediocre cover and mediocre returns. Sometimes the blend is right — but that should be a decision, not an accident.
Setting the sum assured to a comfortable premium.
The most common failure of all, and the one this firm was built to stop.
Straight answers
How much term cover do I actually need?
It depends on income, dependants, tenure of your loans and what is already set aside — which is why we assess before answering. Common rules of thumb produce numbers that are wrong in both directions.
Term or endowment?
If the objective is protecting dependants, term does that job most efficiently. If the objective is a disciplined long-horizon savings commitment with a protection element, an endowment or savings product may fit. We will tell you which objective your situation actually calls for.
I have a pre-existing condition. Can I still get cover?
Usually yes, though terms and pricing vary considerably between insurers — which is precisely where placing across a panel matters. Disclose everything at proposal stage; non-disclosure is the single most reliable way to lose a claim.
Talk to an adviser about life cover.
A first conversation is an assessment, not a sales call. Bring whatever policies you already hold.
Or call +91 73582 79926 · Mon–Sat, 9.30am–6.30pm IST