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Risk & Insurance Planning

Protect everything you've
built. Before life decides to test it.

Building wealth without protecting it is building on sand. One health crisis, one premature death, one accident — and years of investment unravel overnight. We ensure it never happens to you.

85%
Of Indians are underinsured
₹50L+
Avg. undercoverage found
300+
Risk audits completed
Term Life Cover
Health Insurance
Critical Illness
Income Protection
Disability Cover
Personal Accident
Risk Audit
Super Top-Up
Term Life Cover
Health Insurance
Critical Illness
Income Protection
Disability Cover
Personal Accident
Risk Audit
Super Top-Up
The Problem

Why India's middle class
is one crisis away from ruin.

Insurance in India is widely misunderstood, massively underused, and often bought for the wrong reasons. Here is the reality.

💀
Critically underinsured life cover
The rule of thumb: life cover should be 15–20× your annual income. Most Indians have cover worth less than 3×. If you earn ₹15L/year, you need ₹2.25–3 Cr in term cover — not ₹50L.
🏥
Corporate cover is not enough
A ₹3L group health policy feels adequate — until a serious illness hits. Cancer, cardiac surgery, or organ transplant can cost ₹15–40L. Your corporate cover vanishes within days.
📋
ULIPs and endowment plans
Millions of Indians hold insurance-investment combo products that give terrible returns AND inadequate cover. We identify and help you restructure these efficiently.
🦽
No disability or CI cover
A critical illness or permanent disability can be financially more devastating than death — you're still alive, still incurring expenses, but your income has stopped. Almost nobody covers for this.
👨‍👩‍👧
Dependants fully exposed
If you are the primary earner and something happens to you, what happens to your family? Without adequate life and income cover, they are entirely vulnerable.
🔍
No holistic risk audit
Most people buy policies in isolation — one policy here, another there — with no systematic assessment of total risk exposure vs. total coverage. The gaps are invisible until disaster strikes.
What We Cover

A complete shield for
everything that matters.

We design a layered protection architecture — not a collection of random policies. Every risk is identified, every gap is filled.

Life Protection
Term Life Insurance
Pure protection at the lowest premium. We help you select the right cover amount, term length, premium payment structure, and rider add-ons. No unnecessary endowment or ULIP products.
Rule of thumb: 15–20× Annual Income
Health Protection
Health Insurance + Super Top-Up
We audit your existing corporate and personal health covers, identify gaps, and design a layered structure — base policy + super top-up — that delivers ₹25–50L in coverage at optimal cost.
Minimum: ₹10L individual + ₹25L top-up
Critical Illness
Critical Illness Lump-Sum Cover
Pays a lump sum on diagnosis of 40+ specified critical conditions — cancer, heart attack, stroke, kidney failure, and more. Covers income loss and treatment gaps that health insurance doesn't.
Recommended: ₹25–50L CI cover
Income Protection
Disability & Accident Cover
Personal Accident + Disability cover that replaces your income if you are unable to work due to injury or disability. Often the most overlooked and most needed protection for working professionals.
Cover: 5–10× Annual Income
Coverage Gap Analyser

Are you carrying a
dangerous coverage gap?

Enter your details to instantly see your ideal coverage across all risk types, compared against what you likely have. This is your risk audit in 60 seconds.

Your Risk Profile
Annual Income ₹15 L
Number of Dependants 2
Outstanding Loans / Liabilities ₹40 L
Existing Life Cover ₹50 L
Existing Health Cover ₹5 L
Existing Critical Illness Cover ₹0
Total Recommended Coverage
₹5.5 Cr
across all risk categories for your profile
Required Life Cover
₹3 Cr
Required Health Cover
₹25 L
Critical Illness Needed
₹50 L
Disability Cover
₹1.5 Cr
⚠ Life Insurance Gap
₹2.5 Cr under-covered
Your family is exposed to significant financial risk
⚠ Illustrative calculation based on standard risk multipliers. Actual coverage requirements depend on your specific financial situation, dependants' needs, and lifestyle. Consult your advisor.
Why It Matters

The true cost of
being underinsured.

India's Insurance Reality
How underinsured different population segments are
Self-employed
92% gap
Salaried (pvt)
78% gap
Salaried (govt)
65% gap
HNI Segment
55% gap
What Serious Illness Actually Costs
Average treatment costs in India (2024)
Bypass surgery
₹5–8 L
Cancer (stage 3+)
₹15–40 L
Kidney transplant
₹10–15 L
ICU (30 days)
₹4–6 L
Don't wait for a crisis
to discover your gaps.
Get My Risk Audit