Insurance product discovery
Align your life risks with
the right insurance solutions
This section is designed as an educational guide. The final insurance product, coverage amount, and insurer are selected together after a detailed review of your income, expenses, and existing insurance policies.
Term Life Insurance (Income Security)
• Ensures your family’s income continuity in your absence
• Recommended cover: 10–20× annual income including liabilities
• Lower premiums when purchased at a younger age
Example: A 35-year-old earning ₹15L annually with a ₹30L home loan may require ₹2–3 Cr term insurance for 25–30 years to safeguard long-term family goals.
Health Insurance & Critical Illness Protection
• Covers hospitalization costs and serious medical conditions
• Protects your SIPs and long-term investments from medical expenses
• Family floater plans with super top-ups offer optimal coverage
Example: A young metro-based family of four can balance cost and coverage with a ₹10–15L base policy plus a ₹25–50L super top-up.
Goal-Based Planning & Asset Protection
• Tax planning using ELSS funds along with PPF or NPS
• Emergency readiness through liquid, money market, or short-term debt funds
• Optional riders for accidental disability and income replacement
Example: Align a reducing term insurance cover with your loan balance so your family retains assets while investments remain focused on education and retirement goals.
Product Education
Grow with Mutual Funds,
Protect with Insurance
We keep wealth creation and risk protection separate. Mutual funds / SIPs focus on long-term growth, while term and health insurance safeguard your financial goals.
For Growth
- Mutual funds / SIPs for long-term goals (retirement, education, wealth)
- Tax-efficient investing via ELSS, NPS, and strategic asset allocation
For Protection
- Term and health insurance solely for risk coverage
- Add-ons or riders only when they enhance actual protection, not as investment