Your Financial Umbrella for Life's Rainy Days
When it rains, you grab an umbrella.
When life throws a financial storm, you need insurance planning.
We see insurance not as an expense, but as a safety shield — protecting your family’s lifestyle, assets, and dreams if the unexpected happens.
Why Insurance Planning Matters?
Your financial plan is only as strong as its weakest link. Without the right insurance, a single health crisis or untimely death can wipe out years of savings and investments.
Financial Vulnerability
One medical emergency can drain your entire savings
Rising Healthcare Costs
One medical emergency can drain your entire savings
Family Security
One medical emergency can drain your entire savings
Common Costly Mistakes We Help You Avoid:
- Buying ULIPs or endowment plans as “investments” — giving you low cover and poor returns
- Choosing an arbitrary sum assured without any scientific calculation of actual need
- Relying only on company-provided health cover, which may not be there when you need it most
- Ignoring medical inflation, which rises faster than general inflation
How We Build Your Insurance Plan
Scientific, transparent, and tailored to your unique situation
Right Term Plan Cover
Backed by Science
We calculate your cover using Human Life Value (HLV) and Need-Based Analysis — globally recognised approaches.
- Income replacement calculation
- Debt coverage analysis
- Lifestyle cost assessment
- Goal funding requirements
Health Insurance That Works
In Reality
Choose the right family floater or individual plan with comprehensive coverage for the future.
- Adequate sum for 10-20 years ahead
- No hidden restrictions
- Critical illness coverage
- Emergency care included
Avoiding Wrong Products
Protection vs Investment
We ensure you don’t get stuck with insurance disguised as investment — ULIPs, endowments, or money-back plans.
- Separate protection from investment
- Maximum efficiency approach
- No commission bias
- Transparent recommendations
Case Study
Saving a Client ₹30 Lakhs
How we transformed inadequate coverage into comprehensive protection
Our Analysis
Product
ULIP for ₹1.5L/year × 20 years
Life Cover
₹15 lakhs (Inadequate)
Issues
High charges, low returns Money locked for years Poor surrender value Insufficient coverage
Our Solution
Action
Cancelled ULIP in free-look period
New Coverage
₹3 crore term plan
Investment
Saved amount → Diversified MFs
Cost
Fraction of ULIP premium
Outcome
Coverage
10x life cover (₹3 cr vs ₹15L)
Cost
Less than 1/10th the ULIP cost
Investment Growth
Faster than ULIP returns
Total Savings
₹30 Lakhs over 20 years
our Process
Our 3-Step Approach
Simple, scientific, and effective
Calculate
Use HLV/Need-based methods for precise cover requirements
Select
Choose the best term & health policies with maximum value for money
Review
Update your coverage every 2–3 years as life changes
Why Choose us
Why Choose Aikeyam Wealth?
We’re committed to providing exceptional financial guidance with integrity and expertise
SEBI-Registered,
Fee-Only Advice
We work only for you, not commissions
Scientific,
Transparent Process
Every decision backed by numbers
Life-Stage Based
Planning
Protection needs evolve, we adapt your plan
7+ Years
Experience
Proven expertise with professionals & NRIs
FAQs
Frequently Asked questions
We’ve got answers! explore our FAQs to learn more about how Aikeya can enhance your wealth.
01 How much term insurance do I need?
We calculate it scientifically using HLV and Need-Based Analysis — you’ll know the exact figure, not an estimate.
02 Is my company health cover enough?
Usually not — it ends if you change jobs and may exclude key treatments.
03 Should I buy ULIPs or endowment plans?
No — they combine insurance and investment poorly, leaving you underinsured and underinvested.
04 What’s better — family floater or individual health plan?
It depends on your family’s age, size, and medical history — we help you choose what’s best.
Ready to Build Your Financial Umbrella?
Let's create a protection plan that secures your family's future — without draining your wealth.
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