Pure Risk Protection. Zero Gimmicks.
Insurance is designed to absorb catastrophic shocks, not to double your money. We advocate unbundling: pure term life cover to replace earning capacity, and modern health insurance to prevent medical inflation from eroding your life savings.
Pure Term Life Insurance
High death benefit coverage (₹1–3 Crore+) for a fraction of traditional policy premiums. The surviving family receives an ironclad income-replacement safety net.
- Calculated via Human Life Value (HLV)
- Zero surrender penalties or complex bonus lock-ins
- Surplus cash remains free for high-compounding mutual funds
Comprehensive Health Cover
Healthcare inflation in India is rising at 12–14% annually. We structure individual and family floater policies paired with high-deductible super top-ups.
- Zero room-rent capping & zero copayment clauses
- Independent from employer group policies
- Day-care procedures and modern robotic surgery coverage
Our Insurance Audit Process
We review your existing policies to uncover hidden deductions, low returns, or dangerous underinsurance gaps.
We shortlist insurers based on sustained 3-year Claim Settlement Ratios (CSR) and fast claim turnaround metrics.
When a hospitalization or claim occurs, our advisory desk assists your family in document submission and insurer follow-ups.
Insurance is the subject matter of solicitation. Makkar Investor Services acts as a facilitator and distributor. Please read the terms, conditions, waiting periods, sub-limits, and exclusions in the policy document carefully before finalizing any cover.