For you — Insurable.dev

i 25–35

The Young Professional.

First real job. Parents getting older. Maybe a partner, maybe not. You don't need everything yet — you need the right things now, at the right price.

What we'll recommend

Cheapest term life for your age bandLocked in young, before any health changes. 30–40-year policy term. Pure protection — no investment-tied product.
Basic individual health coverStandalone, not the basic policy your employer gave you — that vanishes when you change jobs.
Tax-saving where it actually saves tax80C limit, used carefully. We'll tell you when ELSS + term beats endowment-as-tax-saver (almost always).
Parents' health top-upIf their pre-existing conditions allow. We'll tell you honestly when they don't.

What we won't push

ULIPs sold as investmentCharges eat 30–40% of the first three years. There are better instruments.
Endowment policies for "tax-saving"Returns rarely beat inflation. Term + ELSS is almost always the right combination.
Cover beyond what makes senseYou don't need ₹5 Cr term cover at 26. We'll size it to your dependents.

ii 30–45

The Young Family.

New baby. New house. Maybe a home loan. New responsibilities — and the cover you bought at 26 isn't sized for them.

A coverage plan, not a product

Term life sized to the home loan + 10 years of household expenseOne income out, the family stays whole. Both partners covered.
Family floater healthSized for the kids, with a top-up rider for parents. We'll explain the trade-offs honestly.
Critical illness for the primary earnerLump-sum on diagnosis. Designed to cover the lost income while you recover.
Maternity-aware health planningMost policies have 2–4 year waiting periods. We'll plan around them.

A family digital wallet

One place where your spouse, parents, and (eventually) your children can see what cover exists, what it pays out, and how to claim. So that "we didn't know there was a policy" never happens in your family.

Premium reminders · annual reviews

When your situation changes — new child, home loan paid off, salary jump — your WhatsApp assistant flags what to review. Proactive, not reactive.

iii 45–60

Approaching Retirement.

Health cover gets harder and more expensive after 50. The window to lock in cover at reasonable rates closes faster than people realise.

We'll help you lock in cover now, increase your sum insured strategically before any major claim, and plan for retirement-era health costs — which tend to multiply in the last decade of life. No pension-fund hard sells. No "you must buy this annuity right now" pressure.

Lock health cover before 50

Pre-existing waiting periods are friendlier when underwritten younger. We'll plan the timing.

Top-up & super top-up structures

More cover, less premium — when used right. We'll show the maths.

Critical illness, with care

Honest about exclusions for pre-existing conditions. Honest about what won't be covered.

iv 60+

The Senior Citizen.

You shouldn't be told "no insurer will cover you". You shouldn't be told "claim was denied — sub-limit not disclosed". You shouldn't have your children navigate this alone after you're gone.

We'll find what's actually available. Senior-citizen health policies exist. The market is small and unfriendly, but it's not empty. We'll be honest about waiting periods, sub-limits, and co-pays.
We'll explain things to your children too. With your consent, your son or daughter gets the same WhatsApp assistant access — so when something happens, they know what cover exists and how to file a claim.
We won't promise what we can't deliver. Some conditions will be excluded. Some policies will price you out. We'll say so. Then we'll find what does work.

v For your household

One family. One plan. One assistant.

Most families have policies scattered across spouses, parents, and time — bought from different agents, with different premium dates, with no one quite sure what's covered.

What we'll do for your household

Audit your existing policiesEven ones we didn't sell. Term, health, vehicle, anything we can find.
Identify gaps in coverageTypically: under-sized term cover for the spouse, missing top-up for parents, no critical illness for the breadwinner.
Consolidate renewalsSo you're not chasing five different premium dates across five different inboxes.
Train your WhatsApp assistant on your family's specific coverSo when a question comes up at midnight, the answer is one message away.

Sample household audit

Term life · primary earner	SIZED RIGHT
Term life · spouse	UNDER-SIZED
Family floater · health	ON TRACK
Parents' top-up	GAP
Critical illness · earner	GAP

Sample · pre-launch. Real audits will be issued by your advisor after onboarding.

Insurance that fits the life you're actually living.

The Young Professional.

The Young Family.

Approaching Retirement.

The Senior Citizen.

One family. One plan. One assistant.

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