Insurance Advisory — Protection Without the Mis-selling.
The Problem We Solve
Most people in India are either under-insured or paying for insurance that doesn't actually protect them. Products are often sold on commission, not on fit.
At Accruwell, we audit what you have, identify what you actually need, and recommend only what serves you — life insurance, health insurance, and nothing more.
Coverage Areas
What We Assess
Life Insurance
Is your family's future protected at the right level, at the right cost?
Health Insurance
Adequate cover for rising medical costs, with no dangerous gaps.
Critical Illness
A separate layer of protection for the financial shock of a serious diagnosis.
Term vs. Endowment
Clarity on which structure actually serves your goal — protection or investment.
How It Works
The Accruwell Insurance Review Process
1. Audit
We review every existing policy — cover amount, premium, term, and what it actually pays out for.
2. Assess
We calculate what your family would actually need, based on income, loans, and dependents.
3. Recommend
A clear, written recommendation — keep, modify, or replace — with reasoning for each.
FAQ
Questions We Hear Often
No. Every policy is reviewed on its own merits. Some are kept, some are adjusted, and only genuinely poor-fit policies are recommended for replacement — and even then, we walk through the surrender costs and implications first.
Our role is advisory — assessing your needs honestly and pointing you to the right product structure. We are not compensated based on which insurer or plan you choose.
A reasonable starting benchmark is 10–15 times your annual income, adjusted for outstanding loans and the number of dependents relying on your income. We calculate your specific number rather than using a flat rule.
For pure protection, term insurance is almost always more efficient — larger cover at a lower premium. Investment goals are better served by dedicated investment instruments chosen for that purpose.
A full review typically takes one to two working sessions: one to gather and audit existing policies, and a follow-up to walk through the recommendation and next steps.
Not sure if your cover is actually enough?
Book a free 30-minute consultation. No commitment. No sales pitch. Just clarity.
- ✓No Commitment Required
- ✓100% Confidential
- ✓CA-Led Advisory