Your Family Depends on You.
Term Insurance Ensures they Always Can.

A term insurance cover is the most important financial decision a breadwinner can make. It costs less than a cup of coffee a day and ensures your family never has to compromise on their goals, regardless of what life brings.

Years Experience

0 +

Families Served

0 +

Pan-India

+ NRI Clients

NISM V-A & XIII

Certified

ARN-52501

AMFI Registered MFD

Why Term Insurance Is The Only
Life Cover Your Family Needs.

₹1 Cr+

Life cover from as little as ₹500 per month

Pure

100% of premium goes toward protection — nothing mixed with investments

10–12x

Higher cover than traditional policies at the same premium

Term Vs Traditional — Know The Difference

Why Term Insurance Gives Your
Family Far More For Far Less.

Many families unknowingly choose traditional endowment or money-back policies for life cover — paying significantly higher premiums for a fraction of the protection a pure term cover would provide.

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TERM INSURANCE

WE SUGGEST THIS

Pure life protection — 100% of premium is for cover

Maximum cover for the lowest premium available

Simple, transparent, and easy to understand

Combine with mutual fund SIP for complete financial structure

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What Term Insurance Covers

Three Situations where Term Insurance
Becomes Everything for Your Family.

Term insurance is a promise — that if the breadwinner is no longer there, the family’s financial life continues without disruption. Every SIP, every EMI, every education goal — all of it continues, funded by the cover.

Income Replacement

A ₹1 Crore+ term cover provides a lump sum that, when invested prudently, can generate monthly income to replace what the family has lost — for decades.

Outstanding Liabilities

Home loans and EMIs don't disappear. A term cover ensures all outstanding liabilities can be settled — so the family keeps the home and is not burdened by debt at their most vulnerable moment.

Children's Future Goals

Education, marriage, and every financial goal for your children must not become uncertain. A term cover ensures those goals are fully funded — exactly as you had structured them — without compromise.

How Thanki Wealth Helps

We Don't Just Sell A Policy.
We Help You Choose the
Right Cover for Your Family.

Choosing the right term cover requires more than picking the lowest premium. We evaluate your income, liabilities, family obligations, existing cover and investment commitments — and help you arrive at the cover amount your family actually needs.

Assess Your Cover Requirement

We evaluate your income, outstanding liabilities, family expenses, and existing assets — and calculate the sum assured your family needs.

Identify The Right Policy

We help you identify a suitable term insurance policy from IRDAI-registered insurers — matching cover, policy term, and premium to your specific needs.

Complete And Clean Documentation

We guide you through the application process — ensuring every detail is accurate, which is critical for smooth claim settlement.

Ongoing Support & Claim Assistance

When a claim needs to be made, we personally guide the family through the process — ensuring the claim is filed correctly and settled without unnecessary delay.

The Right Cover Amount is as
Important as Having Cover at All.

Most families are significantly under-insured. A general guideline is 10–15 times your annual income as your life cover. But every family’s
situation is different — and we help you arrive at the right number for yours.

"Insurance is not about what happens to you. It is about what happens to your family when you're not there to provide for them. Term insurance is the most important thing you can do for them today.”

How It Works

Getting Your Term Cover
With Thanki Wealth

Free Consultation

We understand your income, liabilities, family situation and existing cover.

Cover Assessment

We calculate the right sum assured for your family's specific needs and goals.

Policy Selection

We help you identify a suitable term cover from IRDAI-registered insurers.

Ongoing Support

We assist with documentation, renewals and claim settlement.

Term Insurance + SIP – The Complete Structure

Every Goal You Build Through SIPs
Needs One Foundation: Term Cover.

A mutual fund SIP builds wealth over time. But it only works if you’re there to keep contributing. Term
insurance is the foundation that ensures every financial goal you’ve structured — education, marriage,
retirement, home — is protected and continues, regardless of what happens to you.

Cards Section

💰

Your SIPs Continue

A term cover provides the lump sum that, when managed correctly, can continue funding your family's SIPs — keeping every financial goal on track even after the breadwinner is no longer present.

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Your EMIs Are Covered

Outstanding home loan EMIs and other liabilities are settled from the cover amount — so your family keeps the home and is not burdened by debt at the most difficult time of their lives.

Other Life Insurance Options

Beyond Term - Other Covers
We Help You Navigate.

While term insurance is our strongest suggestion for pure life protection, some situations call for additional types of cover. We help you understand each option and choose only what your family genuinely needs.

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GROUP TERM COVER

Employer-Provided

Employer group term typically ends when employment ends and is rarely sufficient as your only life insurance. We help you assess employer cover and bridge the gap with a personal term cover.

📊

ULIP

Unit Linked Insurance

ULIPs combine life insurance with market-linked investment — but the insurance component is often inadequate and the investment frequently underperforms a dedicated SIP. Keeping insurance and investment separate usually delivers better outcomes.

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ENDOWMENT & MONEY-BACK

Traditional Policies

Traditional policies offer a maturity benefit — but cover is typically low relative to premium and returns often lag inflation. We help families with existing traditional policies review their cover adequacy and restructure if needed.

Our Philosophy

Protection First. Always.
Then Wealth Creation.

Every financial goal we build with a family begins with one question — is the breadwinner’s
income protected? Without adequate term cover, every SIP, every corpus, every goal is built
on an unprotected foundation.

Process

Assess cover requirement, identify a suitable term cover, complete documentation correctly, and integrate insurance into the family's overall financial structure — from the very first conversation.

Discipline

Pay your premium consistently. Never let your cover lapse. A term policy only works when it is in force — treat it as a non-negotiable monthly commitment, not an optional expense.

Consistency

Review your cover annually — after a salary increase, a new loan, the birth of a child, or a new goal. Adequate cover today may be insufficient five years from now.

Who Needs Term Insurance

If Someone Depends on Your
Income — You Need a
Term Cover. Today.

Term insurance is for every breadwinner who has a family depending on them. The younger you buy, the
lower your premium and the longer your protection.

YOUNG FAMILY

Young Parents

If you have young children and a family that depends on your income, a term cover is the single most important financial decision you can make today. Buy early, buy adequate and lock in the lowest premium your age allows.

HOME LOAN

Home Loan Borrowers

If you have a home loan, your term cover should be at least equal to your outstanding loan amount. In your absence, the last thing your family should face is losing their home.

NRI

NRI Breadwinners

NRI clients whose families live in India need Term Coverage that protects their family's lifestyle and goals regardless of where the breadwinner is based. We guide NRI clients through eligibility, documentation and the right cover structure.

Common Questions

Honest Answers About
Term Insurance.

How Much Term Cover Do I Actually Need?

A general guideline is 10–15 times your annual income. But the right number depends on your outstanding loans, family expenses, dependants and financial goals. We calculate this at our first conversation.

Why is Term Insurance so much Cheaper than other Life Policies?

Because it is pure protection — 100% of your premium goes toward covering your family. No savings or investment component. That simplicity keeps the premium low.

Should I buy Term Insurance + A Separate SIP or a ULIP?

In most cases, keeping insurance and investment separate gives better outcomes. A term cover provides maximum protection at minimum cost. A dedicated SIP builds wealth more efficiently than the investment component of a ULIP.

I'm an NRI. Can I buy Term Insurance in India?

Yes. NRI clients can purchase term insurance from IRDAI-registered insurers in India subject to applicable regulations. We guide NRI breadwinners through eligibility and documentation.

Your Family's Security Cannot Wait.
Start Your Cover Today.

Book a free call today. We’ll assess your exact cover requirement, walk you through
suitable term insurance options, and help you get your family protected — at no cost
and no obligation.

Let's Discuss - At No Cost →

Your Family Depends on You. Term Insurance Ensures they Always Can.