Life Insurance
Protection for the people who depend on your income — sized to your actual needs, chosen from across India's most trusted insurers.
An income-replacement contract, at its heart.
Life insurance is, fundamentally, a contract that says: if something happens to me, my family receives a sum that lets them continue their lives. Mortgage paid. Children educated. Spouse's retirement protected. Standard of living intact.
How much they receive — the sum assured — should be enough to do all of that. Not more. Not less. Getting the number right matters far more than getting the premium cheap.
We help you arrive at that number through a needs analysis, then place the policy with an insurer whose claim settlement record and financial strength we trust.
Different problems need different policies.
Life insurance is one phrase covering five distinct products. Each solves a different problem; the wrong one is expensive in subtle ways. Here's what we choose between for you.
Term Insurance — Pure protection. Highest cover, lowest premium. The right starting point for most working adults.
Endowment & Money-Back — Life cover plus guaranteed savings. Modest returns (4–6%) but predictable. For disciplined forced-savings.
Whole-Life — Lifetime cover with accumulating bonuses. Strong for estate planning and HNI legacy structuring.
ULIPs — Insurance plus market-linked investment in one wrapper. Useful for long-term tax-efficient compounding.
Child / Education Plans — Guaranteed milestone payouts at 18, 21, 25 — with premium waiver on death of the parent.
The cheapest premium is rarely the best policy. A claim is the only moment the policy matters.— Arvind Dedhia, Founder
The number that protects your family without over-paying.
A useful starting framework for the right cover amount:
Income replacement — 10 to 15× your annual income
Plus outstanding liabilities — home loan, education loans, business debt
Plus future goals — children’s higher education, spouse’s retirement income
Less existing cover — employer group life, old policies, accumulated savings
For someone earning ₹20 L/year with a ₹50 L home loan and two young children, that typically works out to ₹2.5–3.5 Cr. We work out the exact number for you — usually in 30 minutes, at no cost.
Want the cover number worked out for your family?
We'll prepare a needs analysis specific to your income, liabilities, and dependants.
From the first call to the issued policy, in roughly two weeks.
The process is the same whether you're buying a ₹50 L term plan or a ₹5 Cr whole-life policy. We don't fast-track or slow-walk — we just do it properly.
Needs analysis
Quantify the right cover. Identify the right product. No commitment yet.
Compare insurers
Quotes from 4–6 insurers across LIC, HDFC, Birla, Bajaj, ICICI Pru, Max, Tata AIA, SBI.
Medical & underwriting
We coordinate the medical, follow up with the underwriter, and clarify any queries.
Issue & lifelong service
Digital policy, premium reminders, nominee updates, claim assistance — for life.
We compare across India's best-known insurers.
Being independent means we don't push one insurer. We choose based on the policy fit, settlement record, financial strength, and underwriting flexibility — for your particular situation.
Partners include: LIC of India · HDFC Life · Aditya Birla Sun Life · Bajaj Allianz Life · ICICI Prudential · Max Life · SBI Life · Tata AIA Life
Not sure where to begin?
A 30-minute no-obligation conversation often clarifies more than weeks of online research. We'd be happy to listen.
