Insurance

Cover sized for the risk, not for the commission

We help you choose term life, health and general insurance policies — starting from how much cover you actually need, then comparing providers on that basis.

01

Term Life Insurance

Pure protection cover sized against income replacement, outstanding loans and dependants — not a savings product dressed up as insurance.

02

Health Insurance

Individual and family floater plans, reviewed for room-rent limits, co-pay clauses and hospital network before premium.

03

General & Business Insurance

Motor, home, shop and business liability cover for individuals and the small businesses we advise.

Our Approach

Adequacy first, price second

The cheapest policy that leaves a family under-covered isn't a saving — it's a deferred cost. We size cover first (typically 10–15x annual income for term life, and a health cover that accounts for real metro treatment costs), then shortlist 2–3 providers within that band.

We do not push investment-linked insurance plans as a default; where a client wants market exposure, we generally recommend keeping insurance and investment separate — term cover for protection, mutual funds for growth.

What We Check

Before we recommend a policy

Claim settlement ratio Waiting periods Room-rent & co-pay clauses Pre-existing disease cover Rider suitability Premium payment term

Get a cover-adequacy check, free

Share your current policies and we'll tell you honestly if you're under-covered, over-covered, or paying for riders you don't need.

Request a Review
Mutual fund investments are subject to market risks. Please read all scheme related documents carefully before investing. Insurance is the subject matter of solicitation. Eduradiance Vista is an advisory and distribution brand of Eduradiance Citadel LLP (LLPIN: ADA-3328) and does not guarantee returns on any product. Terms, eligibility and approval for loans and funding are at the sole discretion of the respective partner bank or NBFC.