Life Insurance Solutions Tailored to Your Needs

We triangulate income replacement (10–15x net income adjusted for inflation), goal funding deficits, liability clearance and emergency buffer. A refined model may produce a lower or higher figure than generic multiples—optimizing affordability and sufficiency.

Term forms the core risk hedge (cheapest mortality cover). Savings / endowment layers are added only if you need disciplined accumulation with guarantee preference or conservative risk tolerance. We avoid overusing hybrid products where cheaper pure structures plus investments suffice.

Premiums qualify under Section 80C (aggregate limit ₹1.5 lakh). Maturity proceeds remain tax‑exempt under prevailing Section 10(10D) norms if qualifying premium‑to‑sum assured ratios are maintained. Riders may have specific treatment; we clarify during proposal sign‑off.

A ladder strategy (e.g. higher cover early, tapering layers) can reduce lifetime premium outgo. Separate issuers diversify claims risk. However, excessive fragmentation creates tracking and disclosure complexity. We right‑size number & tenure tiers.

Grace period (typically 15–30 days) allows reinstatement without underwriting. Beyond that, revival may require fresh medicals / interest. Automated debit & renewal reminders are part of our service workflow to reduce lapse probability.