01Who it's for
Anyone with a home loan outstanding
Single earners supporting a family
Parents of young children
02Eligibility
Age 18–65 at entry
Medical test above certain cover levels
Income proof matching the cover sought
Non-smoker rates available
03Documents needed
PAN and Aadhaar
Income proof — salary slips or ITR
Recent medical reports if any
Nominee details
Scope of work
What I handle for you
Not a product list — the specific work that happens once you say go.
01Cover calculated, not guessedIncome, outstanding loans, children's education and years to retirement — the sum insured comes out of arithmetic.
02Chosen on claim-settlement recordI compare insurers on how often and how quickly they actually pay, not on which one pays me more.
03Disclosure done properlyNearly every rejected claim traces back to something not declared at the start. I make sure your form is complete.
04Riders only where they earn their costCritical illness and accidental disability are worth having for some people and wasted money for others.
Cover estimator
32
₹ 1 Cr
An indicative figure only. The final premium depends on health, habits and the insurer's medical review.
Frequently asked
How much cover do I need?+
A common rule is ten to fifteen times annual income, plus every outstanding loan. The estimator above gives a starting figure.
Why not an endowment or ULIP?+
They mix insurance with investment and do both poorly. Pure term cover plus a separate SIP almost always leaves you better off.
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