Term life advisory

A term plan is a promise somebody else has to keep

We do not sell one plan.

312 families advised rated the advice 4.8 out of 5

9insurers compared

₹1,240 crof cover placed

41claims seen through

₹1 crore cover from ₹11,800 / year

Indicative annual premium for a 32-year-old non-smoker.

Request a callback Read the plan spec

Advice, not a saleYou see every quote

No fee from youThe insurer pays us

We stay for the claimYour nominee gets a number

Why we work this way

Most families are both under-covered and over-sold

We have read 312 policy documents before advising.

A round number, not a calculation

One crore gets chosen because it sounds like enough.

The exclusions are not quoted

Nobody mentions the twelve-month clause.

Bought at 45, not at 30

Term premium is fixed at the age you enter.

So we start with the arithmetic rather than the product.

What the advice covers

Six things we do before a form is filled

Cover sized against real liabilities

Income replacement plus loans, minus what you hold.

Claim ratios read properly

Amount settled, not just policies counted.

Riders only where they earn the premium

Each one priced on its own.

The medical test, handled

A technician at your home, reports followed up.

Your nominee is briefed, not surprised

A one-page note on the day it is issued.

We tell you what we are paid

Commission printed beside each recommendation.

The plan, in detail

What a term plan is, and what it costs to wait

Pure term is the plainest contract in insurance.

Premium by entry age · ₹1 crore cover

Entered at 28About ₹9,900 a year.

Entered at 35About ₹14,600 a year.

Entered at 42About ₹24,300 a year.

Entered at 50About ₹47,100 a year.

Plan specification

How a review runs

Three conversations, about two weeks

Nothing is signed in the first call.

What a review includes

Four things you keep, whether you buy or not

Compared honestly

Term cover against an endowment policy

What matters

Term plan

Endowment policy

An endowment policy is not a fraud.

41Claims seen through

Who you will be talking to

A four-person practice that reads the policy first

Meera Raghavan spent eleven years in underwriting.

She started SETU WEALTH in 2019.

Every proposal read back before submission
Commission written on the comparison sheet
Nominee briefed in writing on day one
We act on the claim alongside the family

Meera RaghavanPrincipal adviser — SETU WEALTH

Families who have claimed

The part of this job nobody markets

41claims helped settle

19 daysmedian to payout

3queried before payment

Who we work for

Ordinary households, with ordinary arithmetic

This month's calendar

Sixty reviews a month, and no more

A review takes about four hours of our time.

September's calendar closes at 6 pm on 30 September.

September, in numbers

00Days

00Hours

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17 of 60 review slots are still open — the rest are booked so far this month.

Ask for a slot

Ask for the call

Request a callback from a named adviser

Pick the cover you want to talk about.

Choose a cover

No fee from youThe insurer pays us.

Every quote shownIncluding the ones we set aside.

We stay for the claimA direct number on day one.

No contract with usWalk away at any point.

Before you ask for the call

Seven questions worth the answer

Not this month?

Take the premium-by-age note instead

Leave an email and we will send one note.