Life cover adequacy
Whether the sum assured would actually sustain your family for the years they’d need it, or whether it’s simply whatever was sold to you in 2016.
Services
Protect what you’ve built,
and those you love
Insurance is the foundation of every sound financial plan. We review your existing cover, identify the gaps, and suggest the right mix of term, health and other policies — without over-insuring you.
What this covers
What we look at
A review of the cover you already hold, before any discussion of buying more.
Health cover gap
One serious hospitalisation can undo years of investing. We check whether the cover is realistic against what treatment actually costs today.
Term versus bundled policies
Insurance and investment are two different jobs. Where they’ve been sold as one product, we help you see what you’re paying for each.
Emergency fund
Before investing anything, a genuine safety net that’s reachable in days — not locked into a five-year policy.
Income replacement arithmetic
If something happened tomorrow, could the household maintain its standard of living for the next fifteen years? That number is calculable.
Cover across two countries
NRIs frequently carry gaps between their India and overseas policies. Worth mapping both sides together.
Why Advaya
How this works
- Right-sized, not maximisedThe goal is adequate cover, not the largest policy. Over-insuring is its own kind of waste.
- Nothing bundled quietlyIf a product does two jobs, we’ll show you what each part costs.
- Reviewed as life changesA new child, a home loan, a career change — protection needs move, and this gets revisited.
- Distributed through licensed entitiesInsurance products are placed through the IRDAI-licensed entities on the Prudent Corporate Advisory Services platform.
Check the cover before you need it
A free review of your existing life and health policies, and where the gaps sit.