Insurance Planning
Insurance Planning
Insurance — life and health — exists to protect your family’s financial security against risks a savings plan alone can’t absorb: premature death, critical illness, or major medical expenses. It’s a protection product first, not an investment vehicle.
Alpha Funda facilitates term life, health, and other insurance policies as a registered insurance intermediary. We prioritize adequate pure protection cover (term and health) based on your Financial Health Check before considering any investment-linked insurance product.
Key Benefit
- Protection-first sequencing — pure term and health cover assessed before any investment-linked insurance is considered.
- Coverage sized to your needs — sum assured based on income replacement and liabilities, not a round-number default.
- Health-check-driven cover — every coverage recommendation traces back to your Financial Health Check.
- Claim-settlement-aware selection — insurers compared on claim settlement ratio and process, not premium alone.
- Family-liability mapping — cover levels account for dependents, loans, and existing assets.
- Financial Protection
- Income Security
- Asset Preservation
- Peace of Mind
Strategic Approach
We calculate required life cover based on income replacement needs, outstanding liabilities, and dependents — not a generic multiple of income — and prioritize term and health insurance ahead of any investment-linked policy, since protection and investment goals are rarely served well by the same product. Insurer selection weighs claim settlement ratio and servicing track record alongside premium, always anchored to your Financial Health Check.
1. Objective-driven planning
2. Diversified allocation
Diversified insurance planning combines life, health, and asset coverage to reduce financial risks and ensure long-term security.
3. Risk management focus
Insurance planning emphasizes risk management through comprehensive coverage, financial protection, income security, and long-term wealth preservation strategies.
Other Service
Contact Info
- +91 86554 60076
- support@alphafunda.com
- Thane, Mumbai - 400601