Protection first. Investment second. Never the same product.

Insurance exists to replace income and absorb medical shocks. When it is sold as an investment, it usually does both jobs poorly. We keep the two separate. Reviewed alongside your investments, from our Surat office or by video call.

Review

What we review

Term Life Cover A pure risk cover that pays your family if you are not there. Low cost, high sum assured, no maturity value.

Health Cover A family floater or individual policy sized to actual hospitalisation costs in your city, plus a top-up where sensible.

Existing Policies What you already hold, what it actually covers, and whether continuing it makes sense.

Sizing

How much cover is enough

There is no single multiple that works for everyone. The calculation follows from four things, and the fourth is what most people forget to subtract.

Income to replace

How many years of your current income your family would need if it stopped today.

Liabilities outstanding

Home loan, vehicle loan and any personal borrowing that would otherwise fall on your family.

Dated future costs

Children’s education and marriage, and your spouse’s retirement, each at its expected future cost.

Assets available

Existing investments and any employer cover, subtracted from the total requirement.

A common confusion

Where insurance and investment get mixed up

Investment-linked insurance products bundle a small cover with a long-lock investment. The cover is usually too little to protect a family, and the investment usually carries higher costs and less flexibility than a mutual fund.

We recommend buying protection as protection, and investing separately where you can see and control the costs.

Not sure whether you are under-insured?

A short review will tell you your gap in a single number.

Call +91 96019 64998 Send an enquiry