How much cover
Work out your cover. Don’t guess it.
Add up the income your family would need, for how many years, and the loans to repay. Subtract what you already have.
Base your cover on your family’s needs, not on a guess.
Term life insurance
Protect your family’s income, not just a policy.
Our first advice to almost everyone is pure term cover — the product that pays us the least. That tells you how we approach everything else.
IRDAI licence ICI01407069 · Insurance is the subject matter of solicitation
Key ideas
Simple rules for the right cover.
What we offer
Three kinds of life cover, in honest order.
Term first, always. The others earn a place only when a specific need justifies the extra cost.
Our first choice
Pure term insurance
A large cover for a small premium. Nothing is paid back if you outlive it. For most families, this is the whole answer.
Only if it fits
Term with return of premium
The same cover, with premiums returned if you survive the term. It costs more, so the same premium buys less cover.
For employers
Corporate group term
One policy for a whole team. Cover usually ends when the job does, so it adds to personal cover — it doesn’t replace it.
Term insurance calculator
How much cover does your family need?
Move the sliders: what your family spends, for how many years, the loans and goals to cover, less what you already have. It is a starting point — we refine it with you on a call.
Term insurance cover
How much life cover would keep your family going if you were not there.
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Life cover needed—
- To replace your income
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- Plus loans and goals, less savings
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- Life cover needed
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How we size it
Four questions before a single quote.
- 1
Find the real need
The yearly income your family would lose, times the years until your youngest is independent, plus loans, minus what you have.
- 2
Count what you hold
Employer cover ends the day the job does. We count it, but never rely on it.
- 3
Compare insurers
Premiums for the same cover vary a lot. We show you the spread across the insurers we work with.
- 4
Get the form right
Almost every rejected claim traces back to something not declared. We would rather pay a higher premium than risk your claim.
Insurance partners
Who we place cover with.
Two life insurers, each with a named licence holder. Cover is compared across them — never sold on whichever pays more.
IP
ICICI Prudential Life InsuranceMr. Santosh Ishwar Revanaki · ICI01407069
TA
TATA AIA Life InsuranceShilpa Santosh Revanaki · TATAAIA5754823
Insurance is the subject matter of solicitation. Cover, exclusions and premiums are set by the insurer.
SIR Financial Services app
Your term cover, in your pocket.
Keep your life cover next to your investments: the sum assured, the premium due date, the nominee and the riders — so your family knows exactly what is in place.
- Sum assured, insurer and policy term on one screen
- Premium due dates, so the cover never lapses
- Nominee and riders recorded for your family
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Questions
The things people actually ask.
How much cover do I actually need?
Start with ten to fifteen times your yearly income, then adjust for loans, savings and how many years your family still needs support. We work out the number with you.
Is term insurance wasted if I outlive it?
It’s like fire cover on your house. You are buying safety for your family through the years they couldn’t manage without you — not buying a return.
Why recommend term when it earns you less?
Because a family under-insured for twenty years is a worse outcome for everyone, including us. Most of our clients come by referral, and referrals don’t survive bad advice.
Will my claim be rejected?
Not if the form was filled honestly. Declare every condition, medicine and habit, including tobacco. A higher premium is manageable; a rejected claim is not.
On “tax-free maturity”. Life insurance proceeds are exempt under Section 10(10D) only when the policy meets the conditions. Since April 2023, maturity proceeds from non-ULIP policies with total yearly premiums above ₹5 lakh are taxable, and a similar limit applies to ULIPs.
Start with a free 30-minute call.
No fee and no obligation. We look at what you have and tell you plainly what we would change.
We never hold your money. Payments go straight to the fund house.
Insurance is the subject matter of solicitation. Cover, exclusions and premiums are set by the insurer.