Protect Your Family's Lifestyle & Savings From Life's Worst Days.
One major medical emergency or untimely tragedy shouldn't wipe out 10 years of mutual fund SIPs. We strictly advocate unbundled Pure Term Life Insurance and Comprehensive Health Floaters—never low-return ULIPs or endowment schemes—backed by certified IRDAI PoSP frameworks under NIC 66220.
The 5-Point Health Policy Audit
The Two Insurance Policies Every Family Actually Needs
Pure Term Life Insurance
Replaces your future earning capacity so your family can pay off mortgages, fund children's university education, and maintain their lifestyle without financial distress.
- Unbundled pure risk protection without low-return investment mixing
- Critical illness & accidental total permanent disability riders
- Claim settlement assistance backed by top-tier private insurers
- Tax deductions under Section 80C as per prevailing tax rules
Comprehensive Family Health Floaters
Shields your hard-earned savings from runaway medical inflation. We help you select and audit policies with pristine hospital network coverage and high claim settlement ratios.
- Zero room-rent capping and absolute zero copayment clauses
- Restoration and refill benefits for unrelated medical claims
- Daycare procedures, AYUSH treatment, and annual health checkups
- Tax deductions up to ₹25,000–₹50,000 under Section 80D
Why We Never Mix Insurance With Investment
Pure Term Life + Equity SIP (Recommended)
By keeping protection and investing separate, you get a massive ₹1 Crore to ₹2 Crore life cover for a tiny annual premium, while investing your savings into high-growth equity mutual funds that historically compound at 12%–14% p.a. with full liquidity.
Traditional Endowment & ULIP Plans
Traditional insurance plans lock your money for 15–20 years while delivering sub-inflation 4.5% returns, and provide inadequate life cover (often only 10x your annual premium). We help clients restructure or avoid these high-cost legacy products.
Mandatory Regulatory Notice (IRDAI Framework)
Insurance is the subject matter of solicitation. Sarkar Capital functions as an intermediary and facilitator through licensed Point of Sales Person (PoSP) and corporate agency alignments with IRDAI-registered insurance underwriting companies. Sarkar Capital never collects insurance premiums in its corporate name; all premium payments are remitted directly online or via instrument to the underwriting insurance carrier.
Want to Check If Your Family Has Enough Life & Health Cover?
Book a complimentary session with our insurance desk. We will calculate your exact Human Life Value (HLV) and audit your family floater for hidden gaps.