Protection desk
Protect the income, not the agent's target.
Most Indian families are one hospital bill-or one salary stopping-away from unwinding a decade of savings. We quantify exactly how much cover your family needs, then help you buy it without the investment bundling.
- Cover sized from your life, not a brochure
- Term-first, product-agnostic
- A claim-ready file for your family
Term cover · age 30, non-smoker
₹2 Cr for ≈ ₹1,100/mo
The price of pure protection
Illustrative premiums; actuals depend on insurer, age and health. The comparison is the point.
Sound familiar?
How insurance gets mis-sold in India
Insurance is bought from fear and sold on commission. The result: families who pay a lot and are protected a little.
“Insurance + investment” combos
The classic endowment or ULIP: ₹1 lakh a year in premiums, ₹10 lakh of cover, and returns that lose to an FD.
What it costs you: You end up underinsured and under-invested at the same time.
A ₹50 lakh cover on a ₹15 lakh income
Round numbers from a brochure-not from your family's actual expenses, loans and goals.
What it costs you: The claim cheque runs out in 3 years; the family's needs don't.
Only employer cover
It feels sufficient until the job changes or you retire-and by then age and health make new cover expensive.
What it costs you: Cover that vanishes exactly when life gets risky.
Claim-time surprises
Exclusions, waiting periods and room-rent caps nobody explained-discovered by your family at the worst possible moment.
What it costs you: A policy that exists on paper but fails in the hospital.
How Saarthi Capital helps
Protection before products
We quantify the gap first and shop second. Insurance is the shock absorber for everything else you build.
Cover sized from your life
Income replacement, outstanding loans, kids' education, parents' care-we put a real number on “how much” before discussing “which one”.
Term-first, always
Pure protection is 10–15x cheaper than bundled plans. We keep insurance and investing in separate lanes-each does its job better.
Health cover that survives a real bill
Sum insured, room-rent rules, co-pay, waiting periods and restoration benefits-explained in plain language before you sign.
A claim-ready file
Policy documents, nominee details and a one-page “what to do” sheet your family can find at 2 a.m. Protection that works when it matters.
The engagement
What we put in place
01
Needs analysis
Income replacement, health inflation and liabilities quantified before any product is discussed.
02
Product-agnostic shortlists
Term and health options compared across insurers, with trade-offs in plain language.
03
Existing policy audit
That old endowment plan-keep, surrender or convert? We run the actual numbers.
04
Renewal & claim hygiene
Annual renewal reminders and claim documentation readiness-so protection works when it matters.
How it works
A calm workflow-on purpose
Clarity first, commitment second. Here is exactly what happens after you reach out.
01
Quantify the gap
Fifteen minutes on income, loans, dependants and existing cover.
02
See the shortlist
2–3 options with premiums, exclusions and claim-settlement ratios side by side.
03
Buy it clean
Medical tests, disclosures and documentation done properly-so claims don't get stuck later.
04
Review yearly
Cover topped up as income, loans and family size change.
Free tools
Run the numbers before we talk
Stress-test every idea with our free calculators-then bring the numbers to a conversation.
Questions people ask us
How much life cover do I actually need?
A common starting point is 10–15x annual income, but the real number adds outstanding loans and future goals (kids' education, parents' care) and subtracts existing assets. We compute it properly in the first conversation.
Isn't term insurance a waste if I survive?
Like a fire extinguisher-you don't call it wasted because your house didn't burn. Term is the only way to get ₹2 Cr of protection for the price of a dinner out. “Return of premium” variants cost 2–3x more for a psychological refund; the math rarely justifies them.
Should I surrender my old endowment or ULIP?
Sometimes yes, sometimes the surrender math makes staying rational. We compute both paths-surrender-and-reinvest versus hold-to-maturity-before recommending anything.
Is my employer's group cover enough?
It ends with the job, and a small group health cover doesn't survive one serious hospitalisation at today's costs. Personal cover you own is the foundation; employer cover is a bonus.
Do you earn commissions on insurance?
Yes, insurance pays distribution commissions-disclosed before you buy. Because we're product-agnostic across insurers, our incentive is the right cover, not a specific company's target.
Start here
Is your family actually covered?
A 15-minute review can surface gaps you didn't know existed. No jargon, no pressure-just numbers.
- Reply within 1 business day
- Discovery call before any product talk
- Everything documented over email
Prefer email? [email protected]