MrigashiraThe right cover for your family, at the right price.
Insurance in India is mostly sold as an investment, which is exactly how it fails at both jobs. Insurance planning separates the 2 again, pure protection for your family, sized properly and priced fairly, with the investing done where investing works.
The assessment is free.
What you get
- The right life cover amount, worked out from your family's actual needs
- Health insurance that will actually hold up when you claim
- Every existing policy reviewed, keep, surrender, or replace, with the math shown
- No products sold, ever, we only advise, so the answer is honest
What is insurance planning?
It is answering 2 questions properly. 1: if something happens to you, how much money would your family actually need to stay on their feet, to live, to clear loans, to finish the goals you started? 2: if someone falls seriously ill, how big a hospital bill can your savings absorb before it starts eating your investments? Insurance exists for those 2 answers and nothing else.
The problem is that most policies in India were sold to answer a different question, the seller's commission. Endowment plans, ULIPs, money-back policies: expensive products that insure too little and invest too poorly. Half of all life policies here are dropped within 5 years, which tells you how well they were matched to the people who bought them. We unwind that, calmly and with arithmetic.
How we help you with insurance planning.
Life cover, sized honestly
We calculate the term cover your family actually needs, from your income, your loans, your goals, and the years they would need support. Then we help you buy exactly that as pure term insurance, which costs a fraction of what the bundled products charge. No rules of thumb, no round numbers, a worked-out figure you understand.
Health cover that holds up
We review your health insurance the way a claims desk would, the sum insured, the room-rent caps, the waiting periods, the exclusions, the co-pay clauses that quietly shift the bill back to you. If your employer cover is the only thing you have, we show you why that is a risk the day you change jobs, and what a proper personal policy should look like.
The keep-or-surrender decision
For every existing policy, the ULIP, the endowment plan, the money-back policy an uncle sold you, we do the actual math: what it will pay if you continue, what you get if you surrender today, and what that money would do if it were invested properly instead. Sometimes continuing wins. Usually it does not. Either way you see the numbers and decide with your eyes open.
Claims-readiness for your family
A policy your family does not know about, or cannot claim smoothly, is worth very little. We make sure nominees are correct on everything, the paperwork lives in 1 place your family knows about, and the disclosures on your policies are accurate, because wrong disclosures are the number 1 reason claims get rejected.
What actually changes.
Drawn from real advisory work, the details are an illustration, not a promise.
| Situation | With a plan | Without 1 |
|---|---|---|
| Life protection | ₹1 to 2 crore of pure term cover for a few hundred rupees a month, sized to your family's real needs. | A ₹10 lakh endowment policy costing thousands a month, too small to protect, too poor to grow. |
| A hospital bill | A personal health policy chosen for how it pays claims, on top of whatever your employer gives. | Only the office cover, which vanishes the day you leave the job, usually when you need it most. |
| The old ULIP | A surrender-or-continue decision made on arithmetic, with the freed money put to real work. | Premiums paid year after year out of guilt, into a product nobody can quite explain. |
This is 1 pillar of 1 plan.
We do not sell insurance planning separately, and honestly, it would not work as well alone, your investments, insurance, cards, loans, and retirement all affect each other. Everything on this page is part of the 1 plan you get for 1 flat annual fee.
Honest answers about insurance planning.
That is like calling a seatbelt a waste because you did not crash. Term insurance is the cheapest way to make sure your family's life continues financially if yours stops. The money you save over bundled policies, invested properly, is what grows, so you get both protection and growth, each done right.
Sometimes yes, sometimes no, it depends on how far along it is and what its numbers look like. We never answer this from ideology. We put your policy's actual surrender value, future premiums, and likely returns on 1 page next to the alternative, and let the arithmetic answer. You will see it before you decide anything.
No. We do not sell any product and no insurer pays us anything. That is exactly why our answer to 'should I buy this policy?' can be honest, including when the answer is no.
Start with the free part.
Each assessment takes about 9 minutes and costs nothing. See what it says about you, then decide if you want the full plan.
The assessment is free.