Offerings
Insurance
Cover for the risks that would actually hurt your family, and nothing sold as an investment.
How we do it
We keep insurance and investment apart. Term cover protects income. Health cover protects savings. Investments go in investment products.
For existing policies, we read every document you hold and list what each one covers, what it costs and when it ends. Gaps and overlaps become obvious on one page.
When a claim comes, you call us, not a helpline. We file it, chase it and stay on it until it is paid.
Questions
What clients ask us first.
How much life cover do I need?
Enough to clear your loans and replace your income until your dependants are independent. We calculate it from your numbers, not a multiple of salary.
Is my employer's health cover enough?
Rarely on its own. It ends when the job ends. We usually add a personal family floater with a top-up.
Should I surrender my old traditional policy?
Sometimes. We compare surrender, paid-up and continue options and send you all three numbers in writing.
Do you help with claims?
Yes. Sanjiv's team handles claim paperwork and follow-up with the insurer for our clients.
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