A home and everyday stability
Include outstanding loans, rent, groceries and the cost of keeping your household running.
RAKSHA LIFE ADVISORSहिंदी में
WHY RAKSHA LIFE ADVISORS?
A conversation today. A clearer tomorrow.
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Video unavailable. Please try again.TERM INSURANCE, UNDERSTOOD.
You build their future.
Let’s help you protect it.
Your income supports people, plans and possibilities. Understand how term insurance could help your family continue financially if you were no longer around.
Free consultation · No obligation to buy
For salaried & self-employed professionals. Based in Pune, conversations across India.
Our mission
Help 1,00,000 salaried and self-employed professionals make informed term insurance decisions through our S.A.F.E. Framework.
Understand before you decide
Start with your family’s needs
Your questions come first
01 / THE REASON TO PLAN
Your income supports more than today.
Even without an EMI, your family needs an income. Think about everyday living, children’s higher education and the people who rely on you.
Term insurance can pay a death benefit if the insured person dies during the policy term, subject to the policy terms. It helps address the financial impact of that loss.
Dreams beyond the next EMI
A child’s education in India or abroad needs planning. Fees and living costs can rise; overseas study also brings exchange-rate uncertainty.
How many years of support?
Consider when your child may become financially independent, your spouse’s income and dependent parents’ needs. A child’s first job need not end every responsibility.
Protection needs are personal. A popular cover amount may not be the right amount for you.
Family Expense Calculator
Your family’s expenses will continue. Will their income?
Enter your family’s monthly expenses, how many years they may need support, and an assumed inflation rate. See how today’s household budget could grow—and consider how your family would meet those expenses if your income were no longer there.
Consider your children’s expenses until they start earning, your spouse’s ongoing living costs, and any support your parents may need. Use these responsibilities to think about how many years your family may need financial support.
Monthly expenses at the end of this period₹1,60,357
Total spending over this period₹2,20,71,355
This illustrates future expenses, not the life cover you should buy. Education, healthcare, loans, savings and existing insurance need separate consideration.
Total spending adds today’s annual expenses and yearly increases. It is not the life cover needed today: investment returns, existing assets, other income, debts and goals also matter. Education and healthcare costs may rise at different rates. Basic term cover does not pay routine medical bills while you are alive.
02 / THE S.A.F.E. FRAMEWORK
Four steps to understand your family’s protection needs.
Study. Assess. Find. Ensure. Four steps for an informed protection decision.
Study your situation
Bring together income, dependents, responsibilities and existing insurance.
Assess the protection gap
Consider future expenses, years of support, assets and affordability.
Find a suitable option
Discuss available cover, policy duration, premiums, riders and exclusions.
Ensure an informed next step
Understand disclosures, documentation and nominee awareness. Review protection as life changes.
03 / IS THIS FOR YOU?
Who would need financial support if you were no longer around?
Salaried professionals
Understand how personal cover fits alongside insurance from your employer.
Self-employed earners
Plan around variable income, family commitments and sustainable premiums.
Parents & family providers
Protect the financial support behind education goals and everyday family life.
People with loans
Consider debts alongside living costs, available assets and existing life cover.
No loans does not mean no responsibilities. A spouse or child may still depend on your income. If nobody depends on you yet, discuss future needs and whether cover is appropriate now. Age and health can affect assessment and premiums; acceptance and pricing are never assured.
04 / CLARITY BEFORE COMMITMENT
Your questions deserve a real conversation.
Rajshree Kamthe and team help you organise your protection needs, understand available options and prepare for an informed decision. We explain benefits and limitations, not just premiums.
Our service is not an independent comparison of every insurer. The advisor’s insurer association and relevant product details will be explained before a product recommendation or application.
05 / YOUR NEXT STEP
A simple start. A considered decision.
- 01
Share your details
Complete the enquiry or message us directly on WhatsApp.
- 02
Talk through your needs
Rajshree Kamthe and team review your profile and discuss the next steps.
- 03
Decide at your pace
A consultation is free. Any policy application is assessed by the insurer.
06 / YOUR PROTECTION ENQUIRY
Start with you. Plan for them.
Share the details below to request a free consultation. Rajshree Kamthe and authorised RLA team members will access your enquiry to respond and follow up.
RK
Rajshree Kamthe and teamRaksha Life Advisors · Pune
Free consultation · No obligation to buy
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Demo lead record
Simulated only: internal WhatsApp alert; customer email acknowledgement; customer WhatsApp acknowledgement if opted in.
How can term insurance help my family?
If the insured person dies during the policy term, the nominee receives the life cover amount according to the policy’s terms and exclusions. This can help the family manage everyday expenses, children’s education and other financial responsibilities.
Will I get my premiums back if I outlive the policy term?
A regular term plan generally does not return premiums when the policy term ends. Return of Premium (ROP) options are also available. If the insured person survives the policy term and the policy conditions are met, the premium amount defined in the policy is returned. ROP options generally cost more than comparable regular term cover. The policy specifies which premium components are refundable; some charges or rider premiums may be excluded.
How much cover do I need?
Consider living costs, support duration, debts and future goals, then allow for relevant assets, other income and existing cover. Our inflation example shows future spending, not a recommended sum insured.
Is employer insurance enough?
Check its amount, scope and what happens when your employment changes. Additional personal cover depends on your family’s needs.
Why do you ask about income and education?
These details help us prepare for a useful conversation. Some profiles are directed to WhatsApp so Rajshree Kamthe and team can understand the circumstances and explore available options personally.
Why do accurate disclosures matter?
Tell the insurer accurately about health, tobacco or alcohol use, occupation, income and existing policies. Medical tests and documents may be required. Discuss medical details privately during the application process.
Do you compare every insurer?
No. This is not an independent whole-market comparison. The advisor’s association and the scope of available products will be clarified before a recommendation or application.
Is the consultation free?
Yes. There is no consultation fee or obligation to buy. Policy premiums and applicable charges are separate.
Does submitting this form activate insurance?
No. It requests a conversation. It is not a quote, proposal, payment or policy approval. Insurance begins only according to the insurer’s acceptance and policy terms.
Let’s talk about your family’s tomorrow.
A free conversation with Rajshree Kamthe and team can help you understand your protection options.
Chat on WhatsAppFree consultation · No obligation to buy