Protection-first, explained plainly
We explain the difference between pure protection (term) and investment-linked life cover, and help you choose based on what you actually need, not commission structures.
The difference, in plain words.
Cover first, returns second.
Enough to protect those who rely on you.
Life insurance comes in two broad kinds. Term plans give pure protection at a low cost. Traditional and market-linked plans combine insurance with savings, but usually cost much more and may offer lower returns than investing separately.
We explain the difference without pressure and help you choose what fits your needs. For most families, adequate term cover plus separate investments in mutual funds is a simpler and more transparent combination.
We list the policies you have and the premiums you pay.
We assess protection value, expected benefits and costs of each.
We tell you plainly whether to continue, surrender or pay up, and what the options mean for you.
We fill any cover gap with suitable, cost-effective protection.
Usually the returns are modest compared with the premium paid. We review each policy individually before advising.
Not always. Surrender terms differ and early exit can mean a loss, so we check the numbers first.
A unit linked plan that combines insurance with market-linked investment. It carries charges and market risk, which we explain clearly.
No. We compare across insurers and do not push a single company's product.
Investments are subject to market risks and returns are not guaranteed. This page is for general information and is not a personal recommendation. Please read all scheme and policy documents carefully.
