Right Insurance. Right Time. Real Protection.
At Financial Rakshak, we help you understand and choose insurance policies that are truly needed — not pushed by agents or mis-sold for commissions. Our insurance advisory service is focused on one thing: protecting your life, your income, your health, and your family’s future with the right coverage, at the right time.
What Is Insurance Guidance?
Insurance guidance is a process that helps you evaluate your actual coverage needs based on your income, liabilities, family structure, and health condition. It ensures that:
Unlike traditional insurance agents, we don’t sell policies. We work with you to determine what type of cover you need and help you understand the fine print, benefits, exclusions, and claim process.
Our Insurance guidance Services Include
Term Life Insurance Roadmap
Term plans are the purest and most cost-effective form of life cover. We help you:
- Calculate ideal life cover based on income and liabilities
- Choose between level term, increasing term, or return of premium plans
- Understand claim settlement ratios and rider options
- Avoid overpriced or bundled policies
Health Insurance Guidance
We help you select an affordable and adequate health policy covering:
- Individual and family floater options
- Coverage for maternity, chronic illness, day care, OPD
- Hospital network analysis and exclusions
- Co-payment clauses and waiting periods
Critical Illness and Personal Accident Cover
We help you choose specialized insurance that covers critical illnesses and accidental disability.
- Lump sum payouts for medical emergencies
- Riders or standalone policies
- Coordination with term and health cover
Insurance Audit and Gap Analysis
Already have insurance? We review it for:
- Adequacy of life and health coverage
- Policy structure and hidden charges
- Duplication and redundancy across policies
- Suggestions for consolidation or upgrade
Child and Family Protection Support
We help you structure your insurance portfolio to:
- Secure your child’s education and long-term future
- Ensure your spouse’s financial independence if you’re not around
- Include critical illness or hospital cover for aging parents
- Choose cost-effective group vs individual policies.
Who Needs Insurance Guidance?
Young earners starting with term plans and basic health cover
Couples and families with children and dependent parents
Freelancers and self-employed professionals without employer insurance
High-income professionals with home loans or large liabilities
Women planning maternity or long-term care coverage
Even if you have existing policies, our advisory can help identify costly mistakes or missed coverage.
Together We Can Do More
Why Clients Choose Financial Rakshak for Insurance Guidance
“I was paying premiums for three policies but had major gaps in real coverage. Financial Rakshak helped me cancel the wrong ones and upgrade smartly.”
— Nitin G., Mumbai
Real Client Scenarios
FAQs: Insurance Guidance in India
We review them for free and help you assess if they’re sufficient or need changes.
No. We advise you on what to choose. You can buy from any insurer of your choice.
Policy copy, premium receipts, benefit chart, and your income/family details
Yes, we assist with documentation and claim tracking where possible.
