Pillar III · Protect

Insurance That Actually Protects

The right cover, at the right cost, for the right reason. We separate insurance from investment — and recommend only what your family genuinely needs.

Our Philosophy

Insurance Is Not an Investment

For decades, Indians have been mis-sold endowment and ULIP plans as “tax-saving investments.” They’re neither efficient insurance nor efficient investments. We don’t recommend them.

Our approach is simple: buy pure protection cheaply, and invest the difference for growth. Term life and health insurance, sized correctly, cost a fraction of bundled products — leaving more capital to compound through your three-pillar plan.

We help you choose the right cover, evaluate insurers on claim-settlement record, and structure nominations so the proceeds reach the right hands.

What we cover

The Four Covers Every Family Needs

  • Term Life: Pure protection for your earning years — typically 10–25× annual income
  • Health Insurance: Family floater + individual super-top-ups for ₹1 cr+ effective cover
  • Critical Illness: Lump-sum on diagnosis of major illnesses — covers loss-of-income beyond hospital bills
  • Personal Accident: Disability cover for self-employed and key earners

See Retirement Planning →

How We Help

Get the Cover Right, Once

Step 01

Needs Analysis

Calculate your real cover need based on income, liabilities, dependents’ future expenses, and existing assets — not a thumb-rule.

Step 02

Insurer Comparison

Compare premiums, claim-settlement ratios, and policy-wording exclusions across IRDAI-licensed insurers — apples to apples.

Step 03

Structure & Nomination

Set up nominations correctly — under the MWP Act for term life where applicable — so proceeds are protected and reach the right beneficiary.

Step 04

Claim Support

If the unthinkable happens, we walk your family through the claim process — paperwork, documentation, and follow-ups.

Step 05

Periodic Review

Cover needs change with life events — marriage, children, home loan, business. We review every 2–3 years.

Step 06

Exit Bad Plans

Already stuck in an endowment or ULIP? We help you evaluate surrender vs paid-up vs continue — based on math, not emotion.

FAQ

Insurance, Without the Jargon

A quick rule: 10–15× annual income. A better rule: enough so that the corpus, invested at 7%, replaces your income for the years your family would need it — plus all outstanding liabilities. We model this for you precisely.
Yes — employer cover ends when employment ends, and pre-existing conditions might disqualify you when you need a new policy. A personal policy bought young (and renewed continuously) is one of the most underrated financial moves.
Often the right answer is “higher than you think.” A 35-year-old earning ₹30L might genuinely need ₹3–4 cr to cover 20+ years of family expenses. The cost differential is small in absolute terms.
Depends on years remaining, surrender value, and projected maturity. Often, the right move is to make it “paid-up” (stop paying further premiums but retain accrued benefit) and redirect future premiums into mutual funds. We’ll do the math with you.
Get Protected

Find Out If You're Adequately Covered

A 30-minute review of your current policies — what to keep, what to top-up, what to exit.

Request a Callback Plan Retirement