Protection first: term, health and life cover sized to your actual need, never oversold.
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.
A five-second sanity check using the income-multiple method insurers themselves use.
Pure protection is the cheapest per rupee of cover. Investment-linked policies come last, if at all.
A ₹3 lakh floater doesn't survive one city hospitalisation. Cover is sized to today's costs, not 2015's.
Critical illness and premium-waiver riders earn their cost. Most others don't. We tell you which is which.