Before a product is recommended, the risk is measured.
A structured review of your exposures, so that cover is sized to the actual risk rather than to a premium budget. This is the service the other four sit on top of.
- 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
A conversation and a document
A risk review is not a quote. It is a structured examination of what you stand to lose, what your existing policies would actually pay if tested, and where the distance between those two numbers is unacceptable. It ends in a written summary you keep — whether or not you place any business through us.
For individuals and families
Income and dependants · loans and their remaining tenure · health profile and family medical history · existing policies, including employer cover · liquid savings and emergency reserve · long-horizon goals with dates attached · assets that would be expensive to replace.
For businesses
Fixed assets and stock at each location · business interruption exposure — what stops, and for how long · headcount and statutory obligations · contractual insurance requirements imposed by clients and lenders · goods in transit · professional and public liability exposure · key-person dependency.
The output
- 01
An exposure summary
the material risks, quantified where they can be quantified.
- 02
A cover audit
every existing policy, what it actually covers, and where it falls short.
- 03
A gap statement
the difference between the two, ranked by severity.
- 04
A recommendation
what to add, what to resize, what to drop, and what to leave exactly as it is.
Why the fourth category matters
That fourth category matters. A review that recommends buying something in every line is not a review; it is a sales call with a document attached.
Cover sized to the risk — not to the premium budget.
Straight answers
What does a review cost?
Nothing. We are remunerated by insurers on business we place, within IRDAI limits. You are under no obligation to place any.
How long does it take?
For an individual or family, typically one meeting plus a follow-up. For a business, it depends on the number of locations and the complexity of operations — we will scope it before starting.
What should I bring?
Every policy document you hold, including employer group cover, and a rough picture of your loans and dependants. Incomplete is fine — we would rather start than wait.
Request a Risk Review.
An hour at a desk, your existing policies on the table, and a written view of where you stand.
Or call +91 73582 79926 · Mon–Sat, 9.30am–6.30pm IST