INSURANCE PLANNING
Comprehensive insurance solutions to safeguard your family's financial security. From term insurance to health coverage, we help you choose the right protection at the right cost—without overselling or commissions bias.
Insurance planning is about protecting your family from financial devastation if something happens to you. It's not about investments or returns—it's pure risk cover. If you're the breadwinner and something happens, your family needs money to maintain their lifestyle, pay off loans, fund children's education, and cover daily expenses without you.
Most Indians are either under-insured (insufficient cover) or mis-sold (expensive investment-linked policies instead of pure term insurance). We help you get adequate protection at the lowest cost through unbiased, need-based planning. Our goal: maximum coverage for your family at minimum premium—no commission bias, no overselling.
₹1 crore term insurance costs only ₹12,000-15,000/year for a 30-year-old. That's ₹1,000/month to protect your family's entire future.
Without insurance: Your family inherits your debts (home loan, car loan) but no income. They'll sell assets, deplete savings, or depend on relatives.
Health insurance: One hospitalization can wipe out years of savings. ₹5L health cover costs ₹15k-20k/year—far less than a single major surgery bill.
Peace of mind: Insurance isn't for you—it's for those you leave behind. It ensures they maintain dignity and lifestyle even without you.
Pure life coverage with highest sum assured at lowest premium. No investment, no maturity benefit—only protection.
Medical expense coverage for hospitalization, surgeries, treatments. Cashless facility at network hospitals.
Lump sum payout on diagnosis of serious ailments like cancer, heart attack, stroke. Covers treatment and income loss.
Scientific calculation of right coverage amount based on income, expenses, loans, dependents, and future goals.
Comprehensive protection through the right insurance products
Pure protection plan that pays lump sum to family if you die during policy term. No maturity benefit, no returns—just maximum coverage at minimum cost.
Covers hospitalization expenses, surgeries, room rent, ICU, medicines, treatments. Cashless facility at network hospitals means no upfront payment stress.
Lump sum payout on diagnosis of specified critical illnesses like cancer, heart attack, kidney failure, stroke, organ transplant. Use money for treatment, recovery, or income replacement.
Additional payout if death occurs due to accident. Also covers permanent/partial disability. Very cheap—₹2-3k/year for ₹1 crore cover. Often taken as rider with term insurance.
Specialized health plans for parents above 60 years. Pre-existing diseases covered after waiting period. Higher premiums (₹30k-60k/year) but essential given medical needs at that age. Some plans go up to age 99.
Avoid these costly errors that leave families vulnerable
Worst mistake! These give low insurance cover + low returns (4-6%). For ₹50k premium: get only ₹10L cover + poor returns. Instead: ₹15k term insurance (₹1 crore cover) + ₹35k in mutual funds (12% returns). Separate insurance and investment always!
Having only ₹25-50 lakhs cover when you need ₹1-2 crores. Your family can't maintain lifestyle with insufficient cover. They'll burn through it in 2-3 years. Rule: 10-15x annual income. Don't worry about premium—term insurance is dirt cheap for adequate cover.
Either no health insurance or only ₹2-3 lakh cover from employer (insufficient for major surgery). One ICU admission costs ₹5-10 lakhs. Get your own ₹10L+ family floater. Don't rely solely on employer cover—you lose it when you change jobs or retire.
Not disclosing pre-existing conditions or past treatments to save premium. Claim gets rejected when insurer investigates. Always declare everything honestly. Yes, premium increases, but claim is guaranteed. Better to pay ₹5k more/year than lose ₹50L claim.
"I'll buy when I'm 35-40" mentality. Premium increases 5-8% every year you delay. A 25-year-old pays ₹10k/year; same cover costs ₹18k at 35. Plus, you may develop health issues making you uninsurable. Buy term insurance at youngest age possible.
Bought ₹50L cover 10 years ago, never increased. Your income doubled, you have 2 kids now, home loan—but cover remains same. Review insurance annually. Increase cover when income increases, when you marry, have children, or take loans.
We analyze your needs scientifically and recommend adequate coverage at minimum cost—no commission bias, no overselling.
Get Free Insurance AssessmentScientific approach to determine right coverage and products
Understand your current situation: Age, income, family structure, dependents (spouse, children, parents), loans, assets. Who relies on your income? What happens to them if you're not there? This determines insurance priority and coverage needed.
Calculate required term insurance using Income Replacement Method: (Annual income × years to retirement) + Loans + Future goals (kids' education) - Existing assets. Typically 10-15x annual income. Example: ₹8L income = ₹80L-1.2 crore cover + loans + education corpus.
Determine health cover needed based on family size, city (metro vs non-metro), existing conditions. Minimum ₹5L per person; ₹10L+ for metros. Consider family floater + top-up for cost efficiency. Include parents with separate senior citizen policy. Factor in inflation—medical costs rise 10-15%/year.
Compare top insurers for term insurance: LIC, HDFC Life, ICICI Pru, Max Life, SBI Life. Evaluate claim settlement ratio (95%+), premium, riders, policy terms. For health: Compare HDFC Ergo, Star Health, Niva Bupa, Care Health. Select best products for your specific needs and budget.
Guide through proposal form—full disclosure of medical history is mandatory. Arrange medical checkup if required (usually for high cover or age 45+). Help with documentation: ID, address proof, income proof, medical reports. Complete proposal accurately to avoid claim rejection later.
Policy issued within 15-30 days after medical clearance and proposal approval. Verify all policy details: name, address, sum assured, term, nominee, premium. Keep policy documents safe. Share details with family members. Set up auto-debit for hassle-free premium payment.
Review insurance annually: Is coverage still adequate? Income increased (top up cover)? New loans taken (increase cover)? Health issues developed (need critical illness cover)? Marriage, child birth = immediate coverage increase needed. We proactively remind and help with enhancements.
Recommended coverage and approximate annual premiums
That's just ₹1,417/month for ₹1 crore protection! Start early when premiums are lowest.
₹4,667/month to protect ₹2 crore life cover + ₹10L health + ₹25L critical illness. Essential for family security.
₹14,167/month for comprehensive protection. Higher premium due to age, but essential coverage for peak earning years.
Note: These are indicative premiums. Actual cost varies based on age, health status, smoking habits, coverage amount, and insurer. We provide personalized quotes from multiple insurers for best rates.
Get a free insurance needs analysis and personalized coverage recommendations. Ensure your family's financial security today.
Get Free Insurance Plan Calculate Coverage Needed