Life Insurance Planning – Smart, Lifelong Protection for Your Loved Ones
At Brood Finance & Insurance, we don't just sell policies—we craft tailored life insurance strategies that secure your family's future while optimizing costs. Our 3-layer approach (Term + Savings + Critical Illness Rider) ensures maximum protection, wealth growth, and income replacement—all in one plan.
Life Insurance Planning – Smart, Lifelong Protection for Your Loved Ones
Strategic Coverage | Cost Optimization | Legacy Assurance
Your Life Insurance Strategy
We craft tailored life insurance strategies that secure your family's future while optimizing costs.
Key Benefits
Higher Coverage, Lower Premiums
Pure term insurance provides ₹1Cr+ coverage at minimal cost (e.g., ₹10L/year cover for just ₹1,000/month*).
- Example: ₹2Cr term plan + ₹10L savings plan = comprehensive protection + wealth creation at 40% lower cost than traditional endowment plans.
Income Replacement & Debt Protection
Ensures family stability—covers home loans, education costs, and living expenses if you're not there.
Flexible, Life-Stage Adjustments
Annual reviews to increase coverage (marriage, parenthood) or reduce premiums (post-retirement).
Tax Efficiency
Premiums save up to ₹1.5L/year under Section 80C (term + savings plans). Tax-free death benefits for nominees (Section 10(10D)).
What Makes Us Different
No Hard Selling
Only what you truly need.
Long-Term Partnership
We track renewals, claims, and policy lapses for you.
Transparent Pricing
Zero hidden fees; we're paid by you (not insurers).
Why Choose Our Life Insurance Planning?
We're Strategists—Not Just Sellers
Custom-Built Coverage Stacks
We design plans using three strategic layers: Term Insurance, Savings/ULIPs, and Critical Illness Rider.
Lifetime Portfolio Management
Adjust for life changes: new dependents, increased liabilities, retirement planning.
Unbiased, Insurer-Agnostic Advice
We compare 20+ insurers (LIC, HDFC Life, ICICI Pru, etc.) to recommend the best-fit combo—not just the most profitable policy for us.
How Our Life Insurance Planning Works
A Structured 4-Step Process
Discovery & Needs Analysis
Review existing policies, debts, income, and future goals (child's education, retirement). Identify gaps (e.g., insufficient term cover, no critical illness rider).
Discovery & Needs Analysis
Review existing policies, debts, income, and future goals (child's education, retirement). Identify gaps (e.g., insufficient term cover, no critical illness rider).
Tailored Plan Design
Propose a cost-optimized stack (e.g., ₹2Cr term + ₹20L savings plan + ₹10L critical illness). Adjust for budget (young professionals prioritize term; families add savings/riders).
Tailored Plan Design
Propose a cost-optimized stack (e.g., ₹2Cr term + ₹20L savings plan + ₹10L critical illness). Adjust for budget (young professionals prioritize term; families add savings/riders).
Implementation & Documentation
Handle insurer negotiations, medical tests, and nominee setup.
Implementation & Documentation
Handle insurer negotiations, medical tests, and nominee setup.
Annual Review & Adjustments
Re-evaluate during life events (new loan, career jump, retirement). Recommend upgrades/downgrades (e.g., increasing cover before a major expense).
Annual Review & Adjustments
Re-evaluate during life events (new loan, career jump, retirement). Recommend upgrades/downgrades (e.g., increasing cover before a major expense).
Who Needs This Planning?
Our life insurance planning is designed for various life stages and needs.
Ready to Secure Your Family's Future?
Contact our team today for a free consultation and personalized quote. We're here to help you find the perfect coverage that fits your specific needs and budget.
Get in Touch
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