- Discovery call. A relaxed 20–30 minute conversation about your family, income, existing policies, loans and goals.
- Gap analysis. We use our calculators to see where cover is short, where policies overlap and where costs are high.
- Shortlist and compare. We explain suitable plans side by side, including exclusions, waiting periods and what is guaranteed.
- Application support. We help you complete forms, KYC and medical tests, and make sure disclosures are accurate.
- Policy delivery and checks. We check the issued policy against what was agreed and explain the free-look period.
- Renewals and reviews. Reminders for renewals and an annual review as life changes.
- Claims assistance. We guide you and your family through intimation, documents and follow-up.
Our principles
- Need first, product second
- Plain language, no jargon
- Honest disclosure to protect your claims
- No pressure, no obligation
- Help after the sale