AUTHORIZED ADVISOR: ICICI Prudential Life Insurance • Aditya Birla Health Insurance
Advisor: Dr. Ashish Juneja, PhD (Economics) WhatsApp Direct: +91 72539 25732
🛡️
Term Insurance Advisor

Pure Protection • Zero Call Center Spam

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Unbiased Risk Consultation • Zero Aggressive Sales

Pure Protection For Your Family. Advised by a PhD in Economics.

Don't let telecallers push low-yield ULIPs or endowment plans. Protect your family with pure, high-leverage term cover from ICICI Prudential Life and comprehensive health protection from Aditya Birla Health.

Human Life Value (HLV) Calculator

Interactive
Annual In-Hand Income: ₹15,00,000 (15 Lakhs)
₹5 Lakhs ₹60 Lakhs+
Current Age: 32 Years
21 Yrs 55 Yrs
Outstanding Home Loans / Liabilities: ₹30,00,000 (30 Lakhs)
₹0 (Zero Debt) ₹1.5 Crore+
💡 Economic Rule of Thumb: Adequate term insurance equals 15 to 20 times your annual income PLUS your total outstanding liabilities.
Calculated Need
Required Pure Risk Life Cover:
₹2.55 Crore

This amount ensures your family can clear debts, cover daily living expenses, and secure your children's higher education uninterrupted.

Estimated Pure Term Premium:
~₹1,250 / month
(Approx. ₹41/day • ICICI Pru iProtect Smart)
Get Official Proposal Link →
Authorized Solutions

Two Pillars of Absolute Risk Security

We partner exclusively with top-tier Indian insurers to deliver uncompromising claim reliability.

Life Protection 99.17% Claim Ratio

ICICI Prudential iProtect Smart

India's Premier Pure Term Insurance Plan

  • ✓ Built-In Terminal Illness Benefit: 100% of sum assured is paid immediately upon diagnosis of a terminal illness.
  • ✓ 34 Critical Illness Option: Accelerated cash payout on cancer, heart attack, stroke, etc., with zero hospital bills required.
  • ✓ Waiver of Premium on Disability: Policy stays active forever without paying a rupee if permanently disabled.
  • ✓ Tax Benefit (Section 80C): Save up to ₹46,800 annually on income tax.
Request iProtect Smart Quote →
Health Protection 10,000+ Cashless Hospitals

Aditya Birla Health Activ One

Comprehensive Health Cover with 100% Return Feature

  • ✓ 100% HealthReturns™: Earn up to 100% of your premium back simply by staying active and tracking daily steps.
  • ✓ Day 1 Chronic Care Coverage: Coverage from Day 1 for asthma, hypertension, cholesterol, and diabetes.
  • ✓ Super Health Booster (Cumulative Bonus): Sum insured multiplies up to 7x with zero penalty on claims.
  • ✓ Tax Benefit (Section 80D): Deductions up to ₹25,000 to ₹50,000 for family and senior parents.
Request Activ One Health Quote →
Economic Advisory

Why I Never Sell ULIPs or Endowment Plans

The mathematical reality bank relationship managers and traditional agents hide from you.

❌ The Endowment / ULIP Trap

Traditional agents push plans where you pay ₹1 Lakh/year for 10 years to get a meager ₹10 Lakh cover and a promised "maturity benefit".

The Result: Your family is dangerously under-insured (₹10 Lakhs is exhausted in 1 year of expenses), and your real inflation-adjusted return is barely 4% to 5%.

✅ The Pure Risk Economics Approach

Separate insurance from investment. Buy a pure term plan like ICICI Pru iProtect Smart for ₹1,500/month to lock in massive ₹2 Crore protection.

The Result: Your family is 100% secure with ₹2 Crore cover, and the remaining ₹80,000/year compounds in equity mutual funds at 12–14%, generating true wealth.

⚖️ Section 45 of Insurance Act — Your Family's Absolute Shield

Under IRDAI regulations, no insurance company can reject or dispute a life insurance claim after 3 consecutive years of policy tenure for any reason whatsoever. As long as you disclose your true medical history at the start, after 36 months, your family's ₹2 Cr claim is guaranteed by Indian law.

Fast, Private & Secure

Request an Unbiased Insurance Consultation

No aggressive telecallers. Receive your custom quote and official ICICI Pru / Aditya Birla proposal link directly from Dr. Ashish Juneja.

🔒 100% Confidential. Your data is never sold or shared with third-party telemarketers.

Frequently Asked Questions

Can NRIs (Non-Resident Indians) buy ICICI Pru iProtect Smart?

Yes! NRIs residing in UAE, USA, Canada, UK, Singapore, etc., can easily purchase term insurance in India. In fact, Indian term insurance premiums are 50% to 70% cheaper than equivalent dollar policies in the US/UK. Video medicals can be conducted online.

How does claim settlement assistance work?

Unlike online comparison portals where your family is forced to speak to anonymous call center staff during bereavement, you have direct advisor support from Dr. Ashish Juneja and our dedicated team to coordinate all claim paperwork with ICICI Prudential or Aditya Birla Health.

What happens if I stop paying premiums?

In pure term insurance, if you stop paying premiums, the risk cover lapses. That is why choosing an affordable annual premium that fits comfortably within your monthly budget is critical.