Is term insurance better than endowment plans?

For pure protection, term insurance offers significantly higher coverage at lower premiums. Endowment plans mix insurance and investment, often providing suboptimal returns for both. We recommend separating insurance and investment decisions.

Does health insurance cover pre-existing diseases?

Yes, most health plans cover pre-existing conditions after a waiting period of 2-4 years. Some policies offer shorter waiting periods at higher premiums. We help you choose based on your health history and budget.

What is the right age to buy insurance?

The earlier, the better. Premiums are lowest when you're young and healthy. A term plan bought at 25 costs roughly half of one bought at 35. Health insurance should also be purchased early to cover pre-existing conditions sooner.

Should I buy insurance online or through an expert?

While online purchases may offer slight discounts, an expert helps you understand policy nuances, compare options objectively, and provides invaluable support during claim settlement—when it matters most.

What happens if I miss a premium payment?

Most policies have a grace period of 15-30 days. After that, the policy may lapse. Revival is possible within 2-5 years with back premiums and interest, often requiring fresh medical tests. We set up reminders to prevent lapses.

Complete Protection

Insurance Services

Shield your family and assets against life's uncertainties. We analyze your protection needs, compare policies across insurers, and recommend the right coverage—ensuring financial security without overpaying for unnecessary features.

Our Insurance Solutions

Comprehensive protection for life, health, and everything you value

Term Life Insurance

Pure protection at the lowest cost. We help you determine the ideal cover (typically 10-15x annual income), choose the right term, and select riders like critical illness and accidental death for comprehensive family security.

Health Insurance

Combat rising medical costs with adequate health coverage. We analyze hospitalization trends, recommend appropriate sum insured, super top-ups, and ensure coverage for day-care procedures, maternity, and pre-existing conditions.

Critical Illness Cover

Receive a lump-sum payout on diagnosis of major illnesses like cancer, heart attack, or stroke. This amount covers treatment costs, lifestyle modifications, and income replacement during recovery—beyond what health insurance covers.

Personal Accident Insurance

Protection against accidents causing death or disability. Essential coverage that provides financial support when you're unable to work due to injuries, with benefits for temporary and permanent disability.

Motor & Asset Insurance

Comprehensive coverage for vehicles, home, and valuable assets. We compare policies to find optimal coverage with add-ons like zero depreciation, roadside assistance, and natural disaster protection.

Group & Corporate Insurance

Tailored insurance solutions for businesses—group health, keyman insurance, and directors' liability. Protect your team and business continuity with cost-effective group policies.

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Frequently Asked Questions

Get answers to common questions about our services.

A standard approach is 10-15x your annual income. However, we calculate your Human Life Value (HLV) considering liabilities, future goals, lifestyle expenses, and existing assets to determine the exact cover needed to maintain your family's living standard.

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