Insurance Planning — Life, Health & General Insurance
Protect what matters most. We help you select the right covers, combine policies for optimal protection, and remove overlaps so you pay only for what you need.
Life Insurance — Financial security for loved ones
Life insurance ensures your family’s financial needs are covered if the unexpected happens. We help you choose the right type and amount of cover — term, endowment, ULIP, or whole-life depending on goals.
How we help
- Need analysis — Income replacement, liabilities, future obligations (education, marriage).
- Product selection — Term policies for pure protection, ULIPs for investment+cover, endowments for guaranteed payouts.
- Sum assured calculation — Ensuring realistic cover for lifestyle & debts.
- Policy consolidation — Remove duplication, improve value.
- Claim & nomination guidance — Help with documentation and claims process.
Health Insurance — Protect your health and savings
Medical costs can quickly erode savings. We recommend health policies that offer broad coverage, cashless hospitalisation, family floater vs individual plans, and critical illness riders where required.
How we help
- Policy comparison — Evaluate benefits, network hospitals, co-pay and sub-limits.
- Family floater vs individual — Which fits your household better.
- Pre-existing conditions — Advising on waiting periods and alternatives.
- Top-up & critical illness — Layered cover for serious illnesses and high-cost treatments.
- Claim support — Guidance for cashless & reimbursement claims.
General Insurance — Protect assets & liabilities
General insurance protects possessions and responsibilities — from motor and home insurance to professional liability and business cover. We tailor policies to your personal and business risks.
How we help
- Motor insurance — Third-party vs comprehensive, add-ons and NCB advice.
- Home insurance — Building & contents cover, natural disaster protection.
- Business & professional — Public liability, professional indemnity, and property insurance.
- Travel & specialty — Travel, gadget, and event insurance.
- Claims assistance — End-to-end help during the claim process.
Notes & Next steps
- We begin with a complimentary insurance review to identify gaps and overlaps.
- Recommendations are independent — we suggest the best-fit insurer & plan for your needs.
- We support application, premium optimization and claim assistance.