Protect your financial futurebefore you build it.

Because a single hospital bill or the loss of an earning member can force you to break investments that were meant for long-term goals. Adequate health and life cover protects those goals, so your investments can stay invested for the time they need.

There is no single multiplier that fits everyone. A sensible estimate considers the income your family would need to replace, outstanding loans, future goals such as children's education, and the savings and cover you already have. We work this out with you as part of your financial plan.

Term insurance is pure protection: it pays the sum assured if the insured person dies during the policy term, and usually has no maturity value. Because of that, it generally offers much higher cover for the same premium than plans that combine insurance with savings or investment.

Group cover is useful, but it usually ends when you leave the job and the sum insured may be limited for a family. A personal health policy gives you continuity, and the waiting periods on it keep running regardless of job changes.

Yes, always. Full and honest disclosure of health conditions, habits such as smoking, and existing policies is essential. Non-disclosure is one of the common reasons claims are disputed or rejected.

Yes. We help you understand what your policy covers, prepare and submit the documents, and follow up with the insurer or TPA. The final claim decision rests with the insurer as per the policy terms, but you will not have to navigate the process alone.