Types of Plans
Term Insurance
Pure life cover at the lowest possible premium — the smartest choice for most families.
ULIP
Unit-linked plans that combine market-linked investment with life cover.
Endowment Plans
Guaranteed maturity benefit with life cover — ideal for conservative investors.
Money-Back Plans
Periodic payouts during the policy term with life cover.
Whole Life Plans
Coverage for your entire lifetime with a wealth-creation component.
Child Plans
Secure your child's education and future even if something happens to you.
How We Help
Need Analysis
We calculate the exact cover your family needs based on income and liabilities.
Insurer Selection
We compare claim settlement ratios, solvency, and premium rates across insurers.
Application
We assist with documentation, medical tests, and proposal submission.
Policy Review
As your income grows, we advise on increasing or adding to your cover.
Claim Assistance
We support your nominee through the entire claim process — with zero hassle.
What We Don't Do
The financial industry is rife with malpractices that hurt clients. Here's our pledge — the things we will never do to you.
Sell ULIP/Endowment Instead of Term
The oldest trick — pushing high-commission investment-cum-insurance products when a simple term plan is what most families need.
Misrepresent Projected Returns
We never show inflated 8–10% ULIP projections as guaranteed. Returns are market-linked and we say so clearly.
Over-Insure for Higher Premium
We calculate your actual human life value and income replacement need — not a number designed to maximise our payout.
Hide Surrender Charges
Surrendering a policy early can wipe out years of premiums. We explain lock-in periods and exit costs before you commit.
Bundle Unnecessary Riders
Riders add cost. We only suggest riders — accidental death, critical illness, waiver of premium — if they genuinely add value for you.
Churn Policies for Fresh Commission
We never ask you to cancel an existing policy and buy a new one just to earn a new policy commission.
Get Expert Life Insurance Advice
Book a free consultation with Akshay Bhatt and get clarity on your life insurance needs.