Insurance
Protection Planning
Protection planning integrated into financial strategy
Insurance is structured around risk exposure — not sales targets. Every policy is reviewed for adequacy, structure, and fit within your broader financial plan.
Risk-led · Need-based · Audited
Areas of Coverage
Protection, advised independently
A full audit of what you already own, plus a structured plan for what you actually need.
Life Insurance
- Cover adequacy assessment
- Term vs. bundled review
- Family-liability protection
Health Insurance
- Coverage structuring
- Top-up & super top-up planning
- Claim-experience aware choice
Motor Insurance
- Asset & third-party protection
- Add-on evaluation (zero-dep, engine etc.)
- Claim-process clarity
Travel Insurance
- Global coverage advisory
- Medical, baggage & trip cover
- Specific coverage for NRIs
Policy Audit & Restructuring
- Review of existing policies
- Overlap & gap identification
- Restructure or surrender guidance
Asset & Liability Protection
- Loan-linked cover review
- Key-person & business cover
- Estate-linked structuring
How We Work
A risk-first process — not a product-first pitch
01
Risk Mapping
Identify life, health, liability and asset-level risks.
02
Adequacy Check
Compare existing cover to actual protection needs.
03
Structuring
Design the right mix — term, health, add-ons, top-ups.
04
Ongoing Audit
Review annually for life-stage changes and policy updates.
Why Manek
Protection shaped by your exposure — not by commissions
Adequacy, Not Upselling
- Cover-gap analysis
- Term-first philosophy
- Commission-neutral advice
Structured Coverage
- Base + top-up design
- Family-floater fit
- Waiting-period awareness
Claim-Readiness
- Document organisation
- Network-hospital clarity
- Claim-support continuity
Life-Stage Audits
- Annual policy reviews
- Event-based restructuring
- NRI & cross-border coverage
Is your family — and your balance sheet — really protected?
Get an independent policy audit and cover-gap review.