Insurance &
Protection Planning
Insurance is a promise to your family. We make sure it's the right promise.
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Why Protection Planning?
Your income stops. Your family's expenses don't.
Insurance is not about you — it's about everyone who depends on you. A well-structured protection plan ensures that a job loss, critical illness, or untimely death doesn't derail your family's financial future. We help you choose the right cover, at the right cost, without unnecessary complexity.
Term Life
Highest sum assured at the lowest premium. Pure protection with no investment mix.
Health Insurance
Family floater plans from ₹10L. Covers hospitalisation, surgery & daycare.
Critical Illness
Lump sum payout on 30+ diagnoses — cancer, heart attack, stroke & more.
Home Insurance
Structure + contents protection against fire, flood & theft. Often overlooked.
Recommended Coverage
₹1,62,50,000
Based on your financial profile
Coverage Breakdown
Estimated Premium
₹2,438/month
Varies by health & insurer
Coverage Needs Over Time
How We Calculate Your Needs
Six key factors to ensure your family is fully protected
Income Replacement
10-15x your annual income to replace lost earnings for dependents
Outstanding Debts
Home loan, car loan, credit card — all cleared upon your death
Education Fund
Children's schooling, college, postgrad — fully funded
Living Expenses
5-10 years of spouse & children's monthly expenses
Marriage Fund
Daughters' marriage expenses if applicable
Final Expenses
Medical bills, funeral, legal, and settlement costs
Insurance Products Explained
Compare coverage types and find the right fit for your family
Term Life Insurance
Pure insurance protection for 20-30 years at lowest cost.
Coverage Range
₹50-200 Lac
Typical Premium
₹200-500/month
Ideal For
Everyone aged 25-50 with dependents
Key Benefits
Term Life
Affordability
★★★★★
Coverage
High
Payout
Lump sum
Best For
Income protection
Health
Affordability
★★★★
Coverage
Moderate
Payout
Reimbursement
Best For
Medical costs
Critical Illness
Affordability
★★★
Coverage
High
Payout
Lump sum
Best For
Major illness
Home
Affordability
★★★
Coverage
Variable
Payout
Reimbursement
Best For
Property loss
Our Protection Planning Process
Audit
Review existing policies for gaps & overlaps
Assess
Calculate coverage needed based on life stage
Structure
Recommend right mix of term, health, critical
Monitor
Annual review as family & income grows
Your Family's Safety Net Deserves a Proper Audit.
Free insurance gap analysis. No obligation.
Get Your Coverage Audit