your family. without the panic call.
Term, ULIP, investment plans, retirement-cum-pension — five plan shapes from LIC, HDFC Life, SBI Life, ICICI Pru, Max Life and TATA AIA. Sized to your family, your liabilities, your tax bracket. Section 80C + 10(10D) on most, but only if the plan actually fits you.
five shapes. one fit.
Life insurance isn't one product. It's a category of five plan shapes — pick the one that matches what you actually need it to do. Most people get sold a plan that does three jobs averagely instead of one job properly.
High life cover at low premium. Pure income-replacement for your family if you're not there. No maturity payout — but for most working professionals with dependents, this is the only line that actually matters. Affordable protection for your family's financial security.
Protects your family while building wealth for the future. Two jobs in one wrapper — but only worth it when the structure genuinely fits your timeline. We'll show you when it makes sense and when a separate term + MF is cleaner.
Market-linked returns with the flexibility of a life insurance contract. Lock-in is real (5 years minimum), charges need to be understood. Useful when goal-specific lock-in is the feature, not the bug.
Goal-based investment plans for your financial future. Disciplined investing with a life cover layered on top. Suitable for parents planning education corpus or first-time investors who need a structured push.
Plan today for a worry-free, comfortable retirement. Annuity, deferred annuity, immediate annuity — three pension shapes, picked based on when you want the income to start and how guaranteed you need it.
six insurers. one panel.
Distribution is via Archita's POSP tie-up with D2C Insurance Broking Pvt. Ltd. (RenewBuy), an IRDAI-licensed broker. The advantage is breadth — we're not tied to one insurer, so the recommendation is what fits, not what we have to sell.
Six insurers on the panel: LIC, HDFC Life, SBI Life, ICICI Prudential, Max Life, TATA AIA. The plan that fits is the plan you'll get a recommendation for. Not the one with the highest commission.
We don't pitch ULIPs as "double-engine returns." We don't bundle term + endowment + ULIP into one "solution." Archita walks you through the actual policy document before you sign.
Section 80C (₹1.5L) + Section 10(10D) maturity rule are baked into the recommendation. If your 80C is already full with PPF + ELSS, we won't push a low-yield ULIP at you just to fill it.
Insurance products are offered through funds to wealth., with Archita as a Point of Sales Person (POSP) of D2C Insurance Broking Pvt. Ltd. (RenewBuy), an IRDAI-licensed insurance broker. Archita Ritesh Gattani is the public-facing distributor. The actual policy contract is between you and the chosen insurer (LIC, HDFC Life, SBI Life, ICICI Prudential, Max Life, TATA AIA, or other panel insurer).
Insurance is the subject matter of solicitation. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. Insurance is a long-term commitment. Tax benefits under Section 80C and 10(10D) are subject to prevailing tax laws and may change.
questions, answered.
If yours isn't here, ask on the call. We answer in plain English.
Why a term plan over a ULIP for most people?
Term gives you 10-15x more cover for the same premium. ULIP is bundled — you pay for cover + investing in one wrapper, and the structure isn't always optimal. For pure income-replacement, term + a separate equity SIP usually wins on cost, returns, and clarity. There are situations where a ULIP fits — we'll tell you when.
How much life cover do I actually need?
Rough rule: 10x your annual income, plus any outstanding home loan, plus a corpus for kids' education if relevant. We use a Human Life Value (HLV) calculation that factors in your years to retirement, your dependents' needs, and existing investments. The term cover calculator gives you a starting number.
What happens if I miss a premium?
Most term and ULIP policies have a grace period of 15-30 days. After that, the policy lapses but can usually be revived within 2-5 years with backdated premiums + interest + sometimes a fresh medical. We help you set up auto-debit and reminders so this never happens.
Can I claim Section 80C on my existing LIC policy?
Yes — premiums on LIC and other life insurance policies qualify for 80C up to ₹1.5L total. But the maturity payout is only tax-free under 10(10D) if the sum assured is at least 10x the annual premium (for policies issued after 2012). We audit your old policies for this exact clause.
Do I pay funds to wealth anything for this?
No. You pay only the premium, exactly as priced by the insurer — nothing extra for coming through us. Insurance is solicited via D2C Insurance Broking Pvt. Ltd. (RenewBuy), an IRDAI-licensed broker, and everything we do operates within IRDAI rules. The honest fine print is at /disclosures.
Can NRIs buy these plans?
Yes — NRIs can buy term, ULIP, and investment plans from Indian insurers. Premium needs to be paid from an NRE or NRO account. Some plans have residency restrictions on the country you're in. We sort the paperwork and tell you which insurers are NRI-friendly before you start.
let's pick your life cover.
A 30-minute call. We'll size the cover, audit any existing policies, and tell you which plan shape actually fits your family.
got it. archita will call you.
Usually within 12 minutes during Mumbai work hours.
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