Insurance Advisory
Policies bought through a bank, an agent, or an employer scheme rarely reflect your actual income, liabilities, or life stage. Life cover that made sense at 30 may be inadequate at 45. Health cover that seemed sufficient before a salary increase may leave significant gaps today. Insurance advisory is a review of what you have, what you actually need, and what needs to change.
What it covers
Life and Term Insurance
Cover sized to your income, your liabilities, and the years remaining to your financial goals. Not a number picked from a brochure.
Health and Medical Insurance
Individual and family cover reviewed against your actual healthcare exposure, including critical illness and top-up options where relevant.
Policy Review
Existing policies audited for adequacy, overlap, and value. Endowment plans and ULIPs assessed honestly against what they are actually delivering.
How it works
Reviewing what you have
Rajesh reviews your existing policies across life, health, and any investment-linked cover. Nothing is assumed to be adequate or inadequate until it is looked at properly.
Identifying the gaps
Your cover is mapped against your income, your dependants, your liabilities, and your life stage. Gaps and redundancies are identified and explained clearly.
Recommending the right cover
Rajesh recommends what needs to change, what can stay, and what should go. The recommendation is based on your situation, not on what pays the highest commission.
Start a conversation
Ready to review your insurance cover?
Book a conversation with Rajesh to get started.