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Comprehensive Financial Plan
Benefits of Comprehensive Financial Plan

  • Know your Exact Current Financial situation by Reviewing Cash Flow and Net worth Statement.
  • Income Tax Planning.
  • Evaluation of your Financial Goals (Retirement, Child’s Education, Marriage, etc).
  • Know your Financial Goals Affordability and Prioritise.
  • Know and Understand where and how much you should be Investing as per Risk Profile and Risk Tolerance for the respective Goals.
  • Review of your Existing Investments.
  • Evaluation of your current Life, Health & General Insurance policies.
  • Know Action Plan for your Financial Transactions.

Why Comprehensive Financial Planning?
While Planning, having a complete view is very important, taking all things into consideration such as our past experiences and the future expectations with action to be taken in present is required, also our money is interlinked with all the transactions we do, focusing only in one area may lead to deficit in other.
The most important thing to simplify things would be to understand these aspects
Finding the realistic of cost of your Financial Goals in future?
How much should you save regularly and for how long?
Where to invest the regularly saved money as per your goals?
Term Insurance – Life Insurance
One of the oldest forms of assurance, wherein you receive payment of the sum assured at the time of the death of insurer. This is applicable only when the death occurs during the policy tenure. In case the life assured of the particular person survives till the end of the term, then the cover does not exist and nothing is payable.
Term insurance is not an investment but expenditure. It is the risk cover, peace of mind, tax benefit for the premiums paid & tax-free payment to the nominee in case of death of the insured person
Advantages of term life insurance:

  • Competitive pricing:
    Term life policies can be easily compared with each other depending on the price as the structure of it all is similar and also easy to understand. Buyers suffer fewer information problems with term insurance, thus offering the term market more price-competitive than for cash value policies.
  • Simplicity:
    Term insurance plans are easy to understand. Just pay the premium & get covered for the term chosen. Endowment plans offer less cover & savings. I term these endowment plans as money guzzlers.
  • Flexibility:
    Discontinuing a term life policy is a lot easier than getting out of other policies. In term policies, if you stop paying the premium the risk cover stops here and then, and the policy also ends. But the other policies only give the complete survival benefit if they are held for the full tenure of the policy. The moment you stop paying premiums there is a financial loss as you cannot gain back your savings of the policy without some deductions.

Comprehensive Health Insurance
Health insurance is a type of insurance coverage that pays for medical & surgical expenses incurred by the person. It reimburses the expenses incurred from illness or injury.
Critical Illness Cover
Critical Illness cover comes as a stand alone plan. It provides the insured a lump sum, in case he/she gets diagnosed with a critical illness such as cancer, sclerosis, coma, heart attack, paralysis, kidney failure, etc.
Personal Accident Cover
Personal Accident insurance or PA insurance is an annual policy which provides compensation in the event of injuries, disability or death caused solely by violent, accidental, external and visible events. It is different from life insurance and medical & health insurance.
Senior Citizens Health Cover
Senior Citizens with Multiple Pre-Existing Diseases Cover

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