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    Risk & Protection Planning

    A structured, advisory-led approach to protecting your family and financial goals.

    • Assess financial risks and income dependency

    • Review adequacy of existing life insurance coverage

    • Identify protection gaps across life stages

    • Align protection strategy with long-term goals

    • Understand tax implications under applicable sections

    How Risk & Protection Planning Helps You

    Structured Protection Review

    We begin with a structured review of your financial responsibilities, income dependency, and existing protection. This helps identify gaps and ensures your family is adequately protected across different life stages.

    Objective Coverage Assessment

    Instead of pushing products, we evaluate suitable coverage options across insurers based on your needs, affordability, and long-term goals—helping you make informed and unbiased protection decisions.

    Clarity, Continuity & Claims Support

    A well-planned protection strategy avoids over-insurance, under-insurance, and future surprises. We also assist during policy servicing and claims, ensuring continuity and peace of mind when it matters most.

    Not sure which insurance to buy?

    Talk to our Insurance Advisor Right Away

    We help you to choose best insurance plan based on your needs

    Schedule Call Now

    How We Evaluate Term Insurance for Protection Planning

    Term insurance selection should be based on suitability, not rankings or popularity.

    Evaluation Parameter What We Assess Why It Matters
    Required Cover Amount Income replacement needs, existing liabilities, dependents, and future goals Ensures adequate protection without over or under insurance
    Policy Term Working life, financial responsibilities, and dependency period Coverage remains active for the entire risk period
    Claim Settlement Track Record Consistency of claim handling over multiple years Reliability at the time when protection is actually needed
    Policy Features & Riders Death benefit options, riders, exclusions, and flexibility Ensures clarity, transparency, and suitability
    Insurer Stability Financial strength, longevity, and governance standards Long-term confidence in the insurer’s ability to pay claims
    Premium Sustainability Affordability of premiums over the entire policy term Reduces the risk of policy lapse during critical years
    Note: The Gainers does not rank or recommend any insurance product as the “best”. Insurance solutions are suggested only after a suitability assessment based on the client’s risk profile and financial needs.

    Benefits of Risk & Protection Planning

    Protect income, family, and lifestyle against life’s uncertainties.

    Income Protection

    A well-structured protection plan ensures your family’s financial stability if your income is disrupted due to death, disability, or critical illness. The objective is to replace lost income and safeguard essential goals.

    Tax Efficiency

    Certain protection products offer tax benefits under applicable sections of the Income Tax Act. These benefits are secondary and should not be the primary reason for selecting a protection solution.

    Goal Continuity

    Risk planning ensures that critical life goals—such as education, home ownership, or family responsibilities – continue uninterrupted even during unforeseen events.

    Critical Illness Protection

    Critical illness covers provide lump-sum support on diagnosis of specified illnesses, helping manage treatment costs, recovery time, and income disruption.

    Health & Medical Risk Cover

    Medical emergencies can severely impact long-term finances. Health insurance and critical illness covers help manage hospitalisation costs and major treatment expenses without disturbing investments.

    Retirement Risk Coverage

    Post-retirement years require protection against longevity risk, healthcare inflation, and loss of regular income. Risk planning helps create financial resilience during non-earning years.

    Child & Family Security

    Protection planning ensures that your child’s education and family responsibilities are financially secured, regardless of uncertainties affecting the earning member.

    Wealth Protection

    Effective risk planning protects accumulated assets from being liquidated during emergencies, allowing long-term investments to compound as intended.

    Review Your Risk Coverage
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    • Risk review • Coverage gap check • Annual updates
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    Suitability-first recommendations
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    We guide documentation & process

    Need help with investing?

    Call to get help from an expert.

    Request A Callback

    or call us at 997 100 9292 / 882 689 6236

    Need help with investing?

    Call to get help from an expert.

    Request A Callback

    or call us at 997 100 9292 / 882 689 6236

    Frequently Asked Questions

    Risk & Protection Planning is the process of identifying financial risks that can impact you or your family – such as death, illness, disability, or income loss -and putting appropriate insurance coverage in place to manage those risks effectively.

    The required life insurance cover depends on factors like income, liabilities, dependents, lifestyle expenses, and long-term goals. A proper needs analysis helps identify coverage gaps rather than relying on generic rules of thumb.

    Term insurance forms the foundation of protection planning, but it may not be sufficient on its own. Health insurance, critical illness cover, and personal accident policies may also be required based on individual circumstances.

    Insurance focuses on risk protection – protecting income and family against uncertainties – while investments focus on wealth creation. Mixing the two often leads to inefficiencies. Protection planning should come first, before investments.

    Yes. Protection needs evolve with life stages such as marriage, children, home loans, or retirement. Insurance coverage should be reviewed periodically and adjusted as responsibilities and risks change.

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