Already insured? Get a second opinion on your life cover
Share the cover you hold today. We assess whether it is sufficient for your family's needs and whether a term plan would close any gap.
Insurance is the subject matter of solicitation.
What we check in your life cover
This is the list we read your policy against. It is what to check, not a claim about any one product.
Is the cover enough
A common rule of thumb is 10 to 15 times your yearly income. Your own number depends on loans, children and goals.
Loans and big costs
Would the cover clear a home loan and still leave your family steady?
Cover for how long
Does it run until your children are settled and the loans are done, not just for a few years?
Term, savings or both
How much of what you pay buys pure cover and how much is savings, so you know what each rupee does.
Riders
Are options like critical illness or accidental death cover worth adding to what you have?
Nominee and details
Is the nominee current, and are the contact details up to date so a claim is not delayed?
Employer cover
Group life cover from work usually ends with the job. We count it separately.
Why people move their cover to us
The policy matters. So does who picks up the phone when you need it.
One person to call
One point of contact for renewals and for claims. You do not chase a helpline, you call someone who knows your policy.
Help when you claim
We help with the paperwork and the follow-up. The insurer decides the claim.
Renewal reminders
We remind you before each renewal, so a policy never lapses by accident.
Cover and savings together
If you want, we also look at your family's investments, so cover and savings sit in one place.
More than one insurer
We work with two insurers, so you see options side by side instead of one.
How a second opinion works
There is no obligation to switch. If your current cover is right for you, we will tell you so.
- 1
Tell us what you have
List your policies, any term plan and employer cover. Photos of the policy schedules are enough.
- 2
We add it up
We set the total against your loans, your children's costs and the years your family would need support.
- 3
See if there is a gap
If cover falls short, a term plan can fill the gap next to what you already have. Nothing existing needs to change.
- 4
Apply, with full disclosure
If you add a term plan, share your health and habits honestly. Incomplete answers can cause trouble at claim time.
Do not surrender or stop an existing life policy because of this page. Early exit can cost you charges and benefits. Check the terms first.
Not because of a page like this. Leaving early can cost you charges and benefits. We look at what you have and whether extra cover fills a gap. Any change to an existing policy is your decision, after you have seen the terms.
A common rule of thumb is 10 to 15 times your yearly income, but it is only a starting point. Loans, dependants, children's education and your savings all change the number.
Yes. A term plan is pure cover and can sit alongside the policies you already hold. That is often how a gap gets filled without touching anything else.
No. You can take our view and decide for yourself. If your cover is already enough, we will say so.
Your family has one point of contact from us for the paperwork and follow-up. Whether a claim is approved is decided by the insurer, which is why honest disclosure at the start matters.
Send us your life policy. Get a clear view back.
Send your policy or renewal notice on WhatsApp. We reply within a business day. You decide what happens next.
Insurance is the subject matter of solicitation.
Insurance is the subject matter of solicitation.
Insurance is the subject matter of solicitation.
This page is general information, not a recommendation of any policy. Features, limits and eligibility are set by the insurer and differ from policy to policy. We never promise that a claim will be approved. Financial Wisdom, Margao, Goa.