Products & Services
Insurance
Insurance: More Than Just Tax Saving
- Why Insurance Matters
- Pay off debts
- Maintain their lifestyle
- Fund important goals like education or marriage
- Insuring non-earning members may seem caring, but it misses the point—insurance should protect income, not emotions.
- How Much Cover Do You Need?
Expense Protection
Covers future family expenses (adjusted for inflation)
Human Life Value (HLV):
Replaces your income till retirement
Needs Analysis:
Matches future goals (loans, education, etc.) with current savings and fills the gap
- For How Long?
Ideally, your cover should last until retirement, when your family relies on your income. For specific goals (like a child’s education), match the plan’s term with the goal’s timeline.
Choosing the Right Product
Choose based on your life stage, financial goals, and affordability. Term plans offer high cover at low cost, while savings-linked plans (like ULIPs) are long-term investments. Just be clear about why you're buying.
Plan Smart, Stay Secure
Insurance is the first step in financial planning. Review your cover every few years or after major life changes. Better yet, talk to a trusted financial advisor to get a plan tailored just for you.