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Protect Today, Prosper Tomorrow.

Personalized insurance & wealth solutions from multiple IRDAI-registered insurers — tailored to your goals.

आज सुरक्षा, कल समृद्धि

Praveen Sharma, Independent Insurance & Wealth Advisor

About Me

Praveen Sharma

Independent Insurance & Wealth Advisor

I help families plan protection, savings, retirement income and children’s education with brand-agnostic, need-based advice. My approach is simple—understand your goals, compare multiple IRDAI-registered insurers, and guide you till claim.

  • 300+ families served across Ambala–Tricity region
  • Goal-based planning: Protection → Savings → Retirement → Legacy
  • Claim-support promise: assistance from proposal to claim

We provide brand-agnostic advice and compare plans from multiple IRDAI-registered insurers.

Why Choose Us

Independent, goal-based advice with transparent illustrations and lifelong support.

Independent Advice

We compare multiple IRDAI-registered insurers and recommend what fits your need, not a brand.

Goal-Based Planning

Protection, savings, retirement, child education — clear, milestone-driven roadmaps.

Claim-Support Promise

Assistance from proposal to policy servicing to claim — we stay with your family.

Transparent Costs

Clear benefit illustrations & charges explained — no surprises, only clarity.

Choose a Plan That Fits Your Future

Explore unbiased, need-based options across insurers. We explain benefits, payouts, and risks in simple language.

Saving Plans

Guaranteed savings with life cover. Understand payout timelines (lump sum or income) and premium terms.

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Protection (Term) Plans

High cover at affordable premiums. Compare riders like critical illness, accidental death & waiver of premium.

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Wealth Creation (Investment-linked)

Participate in markets with insurance cover. Get clarity on funds, charges, and risk profile before investing.

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Retirement / Pension

Guaranteed income options for life: immediate or deferred annuity. Plan for inflation-adjusted cash flows.

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Child / Education Plans

Milestone payouts for school & college goals. Waiver of premium protects the plan even in uncertainties.

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How We Work

Simple, transparent steps with advice that compares multiple IRDAI-registered insurers — purely need-based.

Understand Goals

15-min discovery call to map protection, savings, retirement or child goals.

Compare Multiple Insurers

Share benefit illustrations across insurers; we explain pros/cons clearly.

Customize Riders & Tenure

Choose riders (CI/AD/WOP), premium term and payout style that fit you.

Apply & Issue

Online document support, medicals & issuance tracking—end-to-end help.

Lifetime Support

Renewals, changes & claims—ongoing assistance for you and your family.

Note: We collaborate with multiple IRDAI-registered insurers. Recommendations are purely need-based.

Find Your Ideal Coverage or Savings Target

Answer a few questions and we’ll share unbiased options from multiple IRDAI-registered insurers — purely need-based.

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We don’t share your data. No insurer names are shown here; detailed illustrations are shared privately after your consent.

Plan Smart with Quick Financial Calculators

Estimate your insurance and savings needs — simple, fast, and transparent.

Life Cover Estimator

Find how much life insurance you actually need for your family’s safety.

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Retirement Corpus Calculator

See how much you need to invest today for a worry-free retirement.

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Child Education Planner

Plan for your child’s higher education and beat future inflation.

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What Clients Say

Real families. Honest feedback. Independent advice that puts your goals first.

Ankit Kumar

Ambala, Haryana

★★★★★
“Explained options in simple terms and compared multiple insurers. We picked a plan that fits our budget and goals.”
Photo of Ritu Sharma, client

Ritu Sharma

Panchkula

★★★★★
“Clear guidance on term cover and riders. Documentation and medicals were handled smoothly end-to-end.”
Photo of Vikas D., client

Vikas D.

Zirakpur

★★★★★
“We set up a child education plan with milestone payouts. Transparent costs and timely follow-ups.”
Photo of Neha and Prateek, clients

Neha & Prateek

Chandigarh

★★★★★
“Got a retirement income plan that suits our timeline. Appreciate the unbiased comparison across insurers.”

Knowledge Hub

Simplifying insurance and wealth planning for Indian families — clear, unbiased, and easy to understand.

Illustration showing Term vs Saving Plans comparison

Term vs Saving Plans: कौन सा कब चुनें?

जानिए कब आपको pure protection plan लेना चाहिए और कब saving-based insurance आपके लिए सही है — आसान तुलना के साथ।

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Retirement Planning in India: Income Options Explained

कैसे तय करें कि आपकी retirement income कितनी होनी चाहिए और कौन से plans आपको steady monthly payout देते हैं।

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Child Education Planning: Inflation को कैसे हराएं?

बढ़ती शिक्षा लागत को देखते हुए, अपने बच्चे की पढ़ाई के लिए smart investment strategy बनाएं।

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News & Market Insights

Short updates on insurance, Budget highlights, and IRDAI changes. No brand promos—just what matters.

Sources linked. Educational purpose only. For detailed interpretation, speak with a licensed advisor.

Plan Your Family’s Financial Journey With Confidence

A simple 4-step path from understanding your needs to living worry-free.

  1. Assess Needs

    15-min call to map goals, budget & risks.

  2. Choose Right Plan

    Compare options across IRDAI-registered insurers.

  3. Secure Coverage

    Paperwork, medicals & issuance—end-to-end help.

  4. Live Worry-Free

    Ongoing support for changes, renewals & claims.

Let’s Secure Your Family’s Future — On Your Terms

Personalized, unbiased guidance for protection, savings, and long-term wealth creation. Take the first step today — your peace of mind starts with one conversation.

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