Term insurance, health cover, and riders curated to work together with your mutual fund and SIP plan—so one event never derails your long-term goals.
Product discovery
Use this as an education guide. Exact product, sum assured, and insurer are finalized together after reviewing your cashflows and existing policies.
Example: 35-year-old with ₹15L income and ₹30L home loan may need ₹2–3 Cr term cover for 25–30 years to secure family goals.
Example: For a young family of four in a metro, a ₹10–15L base cover with ₹25–50L super top-up balances premium and protection well.
Example: Match loan outstanding with decreasing term cover so family keeps the home and investments stay dedicated to goals like education and retirement.
Product education
We never mix investment and insurance in a single product. Instead, we keep growth in mutual funds / SIPs and use pure protection products (term & health) to ring-fence your goals.
• Mutual funds / SIPs for all long-term goals (retirement, education, wealth).
• Tax planning via ELSS, NPS, and asset allocation.
• Term and health cover purely for risk management.
• Riders / add-ons only when they enhance real protection, not as investment.
Share your basic details and existing covers on WhatsApp or through our assessment form. We’ll highlight gaps and suggest a clean, no-nonsense protection stack.
