Service
Life Insurance
Protect the people who depend on you.
Overview
Term insurance sized to your Human Life Value, structured with the right riders and payout options. We separate protection from investment — always.
What you get
- Human Life Value–based sum assured
- Rider optimisation (critical illness, disability)
- NRI-friendly structures
- Nomination & claim documentation help
Frequently asked
Do you recommend ULIPs or endowment plans?+
Rarely. We favour pure term cover plus disciplined investing — it is almost always more efficient.
Knowledge Centre
Read the thinking behind life insurance
- Protection & InsuranceHow much term cover do you actually need?The Human Life Value method, plus why 10x income is a starting point and not an answer.
- Protection & InsuranceHealth insurance: sum insured, room rent and ridersWhat medical inflation does to a fixed sum insured, and the clauses that quietly cut a claim.
- Protection & InsuranceInsurance as investment — why the maths rarely worksComparing endowment and ULIP returns against term cover plus a separate investment.
Explore life insurance for your situation.
A 30-minute conversation is the best way to know if this is the right fit for you.
More services