Life Insurance
Give your family the security they deserve, no matter whatLife insurance is not about you — it's about the people who depend on you. We help you choose the right cover so your family's lifestyle is protected even in your absence.
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
A clear, repeatable process — so you always know what happens next and why.
- 01
Need Analysis
We calculate the exact cover your family needs based on income and liabilities.
- 02
Insurer Selection
We compare claim settlement ratios, solvency, and premium rates across insurers.
- 03
Application
We assist with documentation, medical tests, and proposal submission.
- 04
Policy Review
As your income grows, we advise on increasing or adding to your cover.
- 05
Claim Assistance
We support your nominee through the entire claim process — with zero hassle.
A Worked Example
Figures are illustrative, based on typical scenarios. Your numbers will differ.
A 30-year-old earning ₹15L/year with a ₹50L home loan and two dependents needs roughly ₹1.5-2Cr of term cover (10-15x income, adjusted for the outstanding loan) — a pure term plan for that cover typically costs ₹12,000-18,000/year. The same person is often sold a ₹2L/year ULIP instead, which bundles in a much smaller effective life cover (often just 10x the annual premium, i.e. ₹20L) with market-linked investment and a 5-year lock-in.
Run side by side: term plan (₹15,000/year) plus the remaining ₹1,85,000 invested in an equity mutual fund SIP almost always outperforms the ULIP on both cover and growth, because the insurance and investment costs aren't bundled and taxed together. We show clients this actual comparison — their numbers, not a generic example — before they sign anything.
What we don't do.
The financial industry has habits that quietly cost clients money. These are the ones we have chosen never to practise.
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.
Questions, answered.
How much term insurance cover do I need?
Is term insurance better than ULIP?
At what age should I buy life insurance?
Learn before you decide.
Get expert life insurance advice.
Book a free consultation with Yatri Bhatt and get clarity on your life insurance needs.