Insurance Advisory
Term, Health and Motor Insurance Advisory in India
Right-sized cover. Honest recommendations. No product mis-selling. Delivered by an IRDAI-licensed advisor who also manages your investments.
Why Insurance and Investments Should Come from the Same Advisor
Most Indians buy insurance from one person and investments from another. The result: the insurance advisor recommends ULIPs and endowment plans because they carry higher commission. The investment advisor ignores insurance gaps because it is not their product. Nobody is looking at the complete picture.
When your insurance and investments come from the same advisor, the gaps become visible. Underinsured income, over-paying for the wrong health plan, a motor policy with the wrong IDV. These are the financial leaks that a coordinated advisor catches and fixes.
What We Cover
Life Insurance (Term Plans)
Protection for your family. Nothing else.
A term plan pays a lump sum to your family if you are not around. It does nothing else and that is exactly why it is the right product. Pure protection at the lowest possible cost.
What the advisory covers
Cover sized using Human Life Value (HLV) method, not a thumb rule
Only term plans recommended. No ULIPs, no endowment, no money-back
Claim Settlement Ratio above 98% as primary filter
Policy tenure to retirement age, not a round number
Rider evaluation: which ones add genuine value and which ones are upselling
Avoid policies that mix insurance with investment. The return on the investment component is almost always lower than what a mutual fund would deliver. Keep protection and investment separate.
Related guides
License: POSPL74320 (Life Insurance)
Get term cover sized rightHealth Insurance
Cover that works when you actually need it.
Health insurance is the most important financial protection decision after term cover. The wrong plan costs you more at claim time than you saved on premium. The right structure is base plan plus super top-up, not one large plan.
What the advisory covers
Individual cover for self and spouse, separate senior citizen plan for parents
No room rent sub-limits, no co-payment clauses where avoidable
Super top-up recommended to extend effective cover at low incremental cost
Corporate cover gap analysis: how much additional cover you need over your employer policy
Pre-existing disease waiting period evaluation based on your specific health profile
Do not add parents above 60 to your family floater. One large claim from a parent will exhaust the entire floater, leaving you and your family unprotected for the rest of the year.
Related guides
License: POSPN74320 (Non-Life and Health Insurance)
Check your health cover gapMotor Insurance
The policy most people buy wrong every year.
Motor insurance renewal is the most common financial decision Indians make on autopilot. Most people renew with the same insurer at whatever premium is quoted, without checking IDV, add-ons, or claim settlement track record. That habit costs money every year.
What the advisory covers
IDV (Insured Declared Value) optimisation: not too high (over-premium), not too low (under-compensation at claim)
Comprehensive vs third-party: comprehensive is almost always the right choice for cars under 10 years old
Add-ons worth buying: zero depreciation, engine protection, roadside assistance
Add-ons not worth buying: tyre protection, consumables cover for most users
Claim settlement ratio and cashless garage network as primary insurer selection filters
Never let your motor insurance lapse. A lapse breaks your No Claim Bonus (NCB) continuity and you lose the accumulated discount (up to 50% after 5 claim-free years). Renewing even one day late can trigger a fresh inspection and reset your NCB.
License: POSPN74320 (Non-Life and Health Insurance)
Review your motor coverThe Insurance Review Process
01
Share your current policies
Send us your existing term, health, and motor policy documents. If you do not have them, just share the insurer name and sum insured.
02
We identify the gaps
We check cover adequacy, co-payment clauses, IDV accuracy, NCB status, and whether your insurance and investment products are mis-sold or duplicated.
03
You get a one-page diagnostic
Clear summary of what to keep, what to change, and what to add. No pressure to buy. You decide.
Insurance is the subject matter of solicitation. Inderpreet Singh acts as a Point of Sale Person (POSP) for NJ Insurance Brokers Private Limited (IRDAI Direct Broker Certificate No.407, License Code DB 447/09, valid upto 28-02-2029, CIN: U67200GJ2002PTC041664) under POSP licenses POSPL74320 (Life Insurance) and POSPN74320 (Non-Life and Health Insurance), both issued May 2026. Products distributed are categorised under POSP guidelines only. Policy terms, premiums, and coverage are subject to insurer terms and conditions. Please read all policy documents carefully before purchasing.