Life-Insurance

The Foundation of Every Family's Financial Security

Why Life Insurance is Non-Negotiable

The Harsh Reality: According to insurance industry data, only 3.2% of Indians have adequate life insurance coverage. This means 96.8% of families are financially vulnerable if the primary breadwinner is no longer there

The Numbers Don't Lie:

  • Average Indian household spends 75% of income on daily expenses
  • Without life insurance, families face a 60-80% drop in lifestyle within 6 months
  • 40% of families have to relocate to smaller homes after losing the breadwinner
  • Children's education plans get disrupted in 65% of uninsured families

How Much Coverage Do You Really Need?

The standard rule of thumb—10 times your annual income—often falls short in today's inflation-driven economy. Here's what financial experts recommend:

  • Young professionals (25-35): 15-20 times annual income
  • Mid-career (35-45): 12-15 times annual income
  • Pre-retirement (45-60): 8-10 times annual income

How I Help You Get It Right

Comprehensive Needs Analysis: I don't sell you a policy; I calculate your family's actual financia  needs considering:

Outstanding loans and liabilities

Spouse's financial goals

Emergency fund requirements

Children's education costs (projected with inflation)

Family's monthly expenses

Inflation impact over time

Smart Coverage Strategy:

  • Maximum protection at minimum cost during high-responsibility years
  • Flexible plans that adapt as your needs change
  • Tax-efficient structures that save money while building wealth
  • Claims assistance that ensures your family gets every rupee they deserve

My Track Record: In 16 years, not one genuine claim from my clients has been rejected. Your family will get their money when they need it most.