Insurance Planning Services : Your Shield for the Future

Protecting Your Family and Wealth With the Right Risk Cover

Insurance planning is an essential part of financial security. It ensures that your family’s lifestyle, future goals and long-term wealth are protected from unexpected life events.
As a SEBI-Registered Investment Advisor, the focus is on unbiased guidance, ensuring you only take insurance that you genuinely need—without product pushing or commissions.

why insurance planning required
Purpose of Insurance Planning

A structured insurance plan helps you:

  • Protect income and secure dependents

  • Avoid financial stress during emergencies

  • Cover major life and health-related risks

  • Prevent wealth erosion due to unexpected events

  • Create a stable financial foundation for long-term goals

Types of Insurance Considered

Life Insurance (Term Plan)

Guidance on adequate life cover based on:

  • Family responsibilities

  • Income replacement needs

  • Outstanding loans

  • Future goals for dependents

Health Insurance

Planning for:

  • Individual & family health cover

  • Pre-existing conditions

  • Cashless network considerations

  • Top-up & super top-up policies

Personal Accident Insurance

Protection against disability, loss of income and accidental risks.

Critical Illness Insurance

Coverage for major medical conditions that impact earning capacity and long-term finances.

Property & Asset Insurance

Planning for home insurance, household cover and asset protection where required.

What Insurance Planning Includes

Risk Assessment

Evaluating your financial responsibilities, dependents and potential risk exposures.

Coverage Gap Analysis

Identifying missing protections or underinsured areas.

Policy Evaluation

Reviewing existing policies for suitability, coverage limits, exclusions and benefits.

Optimal Coverage Recommendation

Suggesting the right sum assured and type of policies—without selling products.

Premium Optimization

Ensuring the coverage is adequate while keeping premiums cost-effective.

Documentation & Nomination Review

Ensuring policies have accurate nominee details and required documentation.

Situations Where Insurance Planning Is Essential

  • Families with dependents

  • Individuals with loans or liabilities

  • Single-income households

  • High medical risk or family history

  • Business owners and self-employed persons

  • People nearing or post-retirement for health cover continuity

Our Approach to Insurance Planning

1. Understanding Your Life, Goals & Family Structure

Mapping financial responsibilities and future needs.

2. Analysing Risk Exposure

Assessing health, income, liabilities and lifestyle risks.

3. Reviewing Existing Policies

Identifying inefficiencies, overlaps or insufficient coverage.

4. Recommending the Right Insurance Mix

Scientific and need-based, without sales bias.

5. Periodic Review

Updating coverage as income, liabilities or family situations change.

Benefits of RIA-Based Insurance Planning

  • Unbiased, commission-free recommendations

  • Protection tailored to your actual needs

  • Clear understanding of coverage vs exclusions

  • Coordination with long-term financial goals

  • Avoidance of unnecessary or costly insurance products

  • Better financial security and risk management

Common Questions

Do you sell insurance products?

No. Only analysis and guidance are provided—no commissions or policy sales.

Is term insurance always required?

It depends on your dependents, income and future responsibilities.

How much health insurance coverage is ideal?

Usually based on city, medical history, family size and healthcare inflation.

Do you review old policies?

Yes, including term, health, ULIPs, endowment and accident policies.

→ Book Your Retirement Assessment Now : WhtsApp "Insurance Planning " to  +91 9821611667 to Book Appointment