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The right cover. Nothing more, nothing less.

Protection first: term, health and life cover sized to your actual need, never oversold.

Our view

Insurance exists to protect your family from financial shocks, not to be an investment product in disguise. We focus on pure protection: adequate term life and health cover, sized to what your family would actually need if income stopped tomorrow.

Where cover belongs in your plan, we help you evaluate it through IRDAI-registered insurers and intermediaries, without bundling investments into insurance.

What good cover looks like
  • Term cover of roughly 15–25× annual income
  • Health cover that survives one metro hospitalisation
  • Premiums that never crowd out your investing
  • Riders only where they genuinely pay
Calculator

How much term cover do you need?

A five-second sanity check using the income-multiple method insurers themselves use.

yrs
Income replacement need
Loans to be covered
Less: existing cover
Suggested term cover

A thumb-rule illustration, not a quote or a recommendation of any product. Your actual need depends on dependants, assets and goals; we refine this together. Insurance is the subject matter of solicitation.
Before any policy

Three things we always check

01

Term before everything

Pure protection is the cheapest per rupee of cover. Investment-linked policies come last, if at all.

02

Health cover that matches reality

A ₹3 lakh floater doesn't survive one city hospitalisation. Cover is sized to today's costs, not 2015's.

03

Riders that actually pay

Critical illness and premium-waiver riders earn their cost. Most others don't. We tell you which is which.

Insurance is the subject matter of solicitation. Insurance is facilitated through IRDAI-registered insurers and intermediaries.
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