Why Insurance First?
Insurance is the foundation of any sound financial plan. Before you invest, you must protect. A single unexpected event — hospitalisation, critical illness, or accidental death — can wipe out years of savings without adequate insurance coverage.
Life Insurance
Provides financial security to your family in the event of your untimely demise. Includes Term, Whole Life, Endowment and ULIPs.
Health Insurance
Covers hospitalisation, surgery, daycare procedures and critical illness treatment. Individual and family floater options available.
Personal Accident
Covers accidental death, disability and hospitalisation. Affordable add-on to your insurance portfolio.
Life Insurance Options
- Term Insurance: Pure protection with no maturity benefit. Highest coverage at lowest premium. Recommended for all earning individuals.
- Whole Life Insurance: Coverage for entire life. Includes savings component.
- Endowment Plans: Insurance + savings. Pays maturity benefit if you survive the policy term.
Health Insurance Options
- Individual Health Plan: Covers one person.
- Family Floater Plan: Covers entire family under one sum insured. More cost-effective.
- Critical Illness Cover: Lump sum payout on diagnosis of cancer, heart attack, stroke etc.
- Super Top-up Plans: Affordable additional coverage beyond your base policy.
How Much Do You Need?
🏠 Life Cover: At least 10–15 times your annual income, plus any outstanding loans and future financial obligations.
🏥 Health Cover: Minimum ₹5 lakh individual; ₹10 lakh family floater for a family of 3–4 in a metro city.
Frequently Asked Questions
How early should I buy insurance?
As early as possible. Premiums are lowest when you are young and healthy. Buying a term plan at 25 can cost ₹500–₹700 per month for ₹1 crore coverage.
Should I buy from a bank or an independent advisor?
An independent advisor like Moneysante can compare products across multiple insurers and recommend the best fit without a conflict of interest.
Get Your Free Insurance Review
Are you adequately protected? Let us do a free insurance review and tell you exactly what coverage you need.