Term plans, guaranteed savings, ULIPs, retirement solutions — we architect life cover around your income, liabilities and dreams, with partners like LIC, HDFC Life and ICICI Prudential.
If your family depends on your income, life insurance is non-negotiable. The right structure replaces your income, clears your loans and funds your children's education even in your absence — for a premium that costs less than a weekend dinner.
For 22 years we have designed life portfolios across LIC, HDFC Life, ICICI Prudential, Bajaj Allianz Life, Axis Max Life and TATA AIA: pure term protection first, then guaranteed-return savings, ULIPs and pension plans layered by goal. No pushy selling — just mathematics and honesty.
Transparency first — know exactly where you stand before you sign anything.
From the first call to claim settlement — a concierge experience at every step.
We compute exactly how much cover your family needs — income, loans, goals, inflation.
Term first, savings second, market-linked third. Structure drives the recommendation.
Claim-settlement ratio, rider quality and premium — compared transparently.
Life changes — marriages, children, loans. Your cover is reviewed every year, free.
What clients say on Google about our life insurance advisory and claims support.
“Pavan ji personally calculated my term cover based on my loans and my daughter's education. I finally feel my family is truly secure. Exceptional service since 2016.”
“After my husband's demise, the Ipsita team handled the entire claim process. We received the settlement in 12 days without visiting a single office. Forever grateful.”
A practical thumb rule is 15–20 times your annual income plus outstanding loans, adjusted for existing assets. We compute your exact Human Life Value in a 15-minute call — free, no obligation.
They solve different problems. A term plan gives maximum protection at minimum cost; endowment and guaranteed plans build disciplined savings. Most families need a large term plan first, then savings plans by goal. We'll show you the math for both.
Most policies allow a 15–30 day grace period. After that a policy may lapse, though revival windows exist. If cash flow is a concern, we can restructure premium frequency — monthly, quarterly or yearly.
Claim settlement depends on honest disclosure at purchase, not the buying channel. As your advisor we make sure the proposal is airtight — and at claim time, our office files and follows the claim for your family personally.
Death benefits are tax-free under Section 10(10D). Maturity proceeds are also tax-exempt subject to premium-to-sum-assured conditions, which we factor in while designing your plan.
Share a few details and a certified advisor will call you back within one working hour — with honest comparisons, not sales pressure.
505, 5th Floor, Mansarover Building, Nehru Place, New Delhi – 110019
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