Life Insurance Advisory

Term, ULIP and savings plans — advised, not pushed.

Most families are either under-insured or sold the wrong product. Our life-insurance desk works as a fee-led advisor — we compute the right human-life-value cover, compare term, ULIP, endowment and pension plans across leading Indian insurers (LIC, HDFC Life, ICICI Pru, SBI Life, Max Life, Tata AIA, Bajaj Allianz and others), and help you buy what genuinely fits. We do not handle general insurance — motor, health, fire, marine or travel.

Capacity disclosure: Life-insurance advisory and distribution is offered by partners and team members in their individual capacity as IRDAI-registered agents / referral partners, and is not part of the statutory services rendered by A Beriwal & Co, Chartered Accountants. Insurance is a subject matter of solicitation.

Overview

Life insurance is the most over-sold and least-understood part of an Indian household's financial plan. Families either carry no real protection — just a clutch of endowment policies bought for tax saving — or pay for ULIPs with charges they never read. Our life-insurance desk fixes that with a fee-led, advisor-first approach.

We compute the right Human Life Value cover for the earning member, compare pure term, ULIP, endowment, money-back, pension and child plans across 15+ Indian insurers — including LIC, HDFC Life, ICICI Prudential, SBI Life, Max Life, Tata AIA and Bajaj Allianz Life — and walk you through claim-settlement ratios, persistency, riders and the small print before you buy. The entire process is delivered remotely — application, medicals coordination and policy issuance are all handled digitally.

We focus only on life insurance (term, ULIP and traditional savings / retirement plans). We do not deal in general insurance — motor, health, fire, marine or travel — to keep our advisory focused and free of conflict.

What we handle

Life Insurance for every kind of client

From personal household ledgers to large-business MIS — pick what fits and we'll tailor the engagement.

Term Insurance

Pure protection — the foundation of every financial plan.

Earning members with dependants, home loan / business liabilities, or estate-planning needs.

✓Human Life Value (HLV) calculation based on income, liabilities and goals
✓Comparison of pure term, return-of-premium and increasing-cover variants
✓Rider analysis — critical illness, accidental death, waiver of premium, terminal illness
✓Medical-test coordination and underwriting follow-up till policy issuance
✓Claim-settlement-ratio and persistency-ratio backed insurer shortlist

ULIP & Investment-linked Plans

Insurance plus market-linked growth — only when it actually fits.

Salaried and self-employed individuals planning long-term, tax-efficient wealth building with a protection layer.

✓Section 10(10D) tax-free maturity eligibility check (within ₹2.5L/yr cap)
✓Fund-mix recommendation across equity, debt and balanced funds
✓Charge-structure comparison — premium allocation, fund management, mortality
✓Annual fund-performance review and switch advisory
✓Honest call on ULIP vs term-plus-mutual-fund route

Endowment, Money-back, Pension & Child Plans

Traditional and guaranteed-return plans — picked sensibly.

Conservative savers, retirees and parents looking for guaranteed corpus, regular income or goal-linked savings.

✓Guaranteed-return plan IRR computation — apples-to-apples vs FD / debt MF
✓Pension / annuity plan comparison — immediate vs deferred annuity, payout options
✓Child education and marriage planning with premium-waiver benefits
✓Existing-policy review — surrender vs paid-up vs continue analysis
✓Nomination, MWP Act assignment and claim-readiness documentation

Why us

Benefits

Independent, fee-led advice — never product-pushed
Comparison across 15+ Indian life insurers
Human Life Value based cover recommendation
End-to-end remote — application, medicals and policy delivered digitally
Annual policy and portfolio review

Scope

What you get

✓HLV report and cover recommendation
✓Insurer-wise comparison sheet with premiums and ratings
✓Application support, medicals coordination, underwriting follow-up
✓Policy bond delivery, nomination and MWP filing
✓Annual review note and claims-readiness checklist

Who this is for

Best fit for

Earning members with dependants, home loans or business liabilities
Salaried professionals planning long-term tax-efficient wealth
Self-employed and business owners needing keyman or HUF-level cover
Parents planning child education and marriage corpus
Pre-retirees and retirees looking at pension / annuity options
Anyone holding old endowment / ULIP / money-back plans wanting an unbiased review

Engagement

How we work

01
Discovery & HLV
Short call to map income, dependants, liabilities and goals — Human Life Value cover computed.
02
Product shortlist
Comparison sheet of 3-4 best-fit plans across insurers with premiums, riders and ratings.
03
Application & medicals
Digital application, medical-test coordination and underwriting follow-up until policy issuance.
04
Policy delivery
Policy bond delivered, nomination/MWP filed, and a claims-readiness pack handed over.
05
Annual review
Every year we revisit cover adequacy, fund performance (for ULIPs) and any portfolio changes needed.

Why A Beriwal & Co

Trusted by founders, professionals and families across India.

ICAI-registered. Partner-led on every file. 100% remote delivery with bank-grade confidentiality — founded in Surat, serving every Indian city.

5,000+

Returns and filings completed

15+

Years of partner experience

Indian cities actively served

100%

Remote, cloud-based delivery

✓Independent, fee-led advisory — never product-pushed
✓Comparison across 15+ Indian life insurers, not a single-brand agency
✓Existing-policy review — honest surrender vs paid-up vs continue calls
✓Claim-readiness pack delivered with every policy
✓End-to-end remote — no branch visits, no paper forms

Frequently asked

Do you sell general insurance like health or motor?

No — our advisory is limited to life insurance: term, ULIP, endowment, money-back, pension and child plans. For health, motor or other general insurance we will point you to a trusted partner.

How do you choose the right insurer?

We look at claim-settlement ratio, persistency, solvency, product features and pricing — and shortlist 2-3 insurers that best fit your profile. The final choice is always yours.

Is this advisory chargeable?

Yes — we work on a transparent advisory fee so our recommendation stays independent. Commission, if any from the insurer, is disclosed and adjusted.

Need Life Insurance support?

Talk to a partner today. We respond within one working day.

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