Protect the plan before you pursue the goal.

Life and term protection

The right cover begins with responsibilities: dependants, loans, income replacement, children’s goals and the years for which support may be needed.

We help you consider

• Who depends on your income
• Existing life cover and employer benefits
• Outstanding liabilities and major goals
• Appropriate cover duration
• Premium affordability and continuity
• Nomination, disclosure and medical requirements

Health insurance and mediclaim

Medical costs can disrupt even a strong financial plan. We help compare the important features — not only the premium.

Features to understand

• Sum insured and restoration benefits
• Waiting periods and pre-existing disease conditions
• Room-rent restrictions, co-payments and deductibles
• Network hospitals and claim process
• Individual, family-floater and senior-citizen structures
• Exclusions, sub-limits and renewal conditions

Policy review and servicing

Existing policies should be reviewed before replacing them. We can help organise policy records, check nominations and coordinate eligible service requests with the relevant insurer.