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How to become Crorepati?
Systematic Investment Plan

“Insurance is not Investment“

Insurance is not for the person who passes away, it for those who survive, your loved ones.

Insurance is not meant for Investment purposes.

Insurance is not just to save taxes.

People buy car insurance before buying life insurance

What back up plans do you have in the event that you pass away in an unfortunate event and your family can no longer depend on your income for living expenses? Even if you have protection against such a scenario, is it adequate?

Life insurance allows you to provide for your family, in the event of your not being there. It is not mandatory - but can you afford to NOT have it?

It is extremely important that every person, especially the breadwinner, covers the risks to his life, so that his family's quality of life does not undergo in case of an unfortunate event.

Insurance Planning is concerned with ensuring adequate coverage against insurable risks. Calculating the right level of risk cover is a specialized activity, requiring considerable expertise. Proper Insurance Planning can help you look at the possibility of getting a wider coverage for the same amount of premium or the same level of coverage for the same amount of premium or the same level of coverage for a reduced premium. Hence, the need for proper insurance planning.


Life Insurance:
their family on them, how much insurance they need. We believe that Term Insurance without return of premium is simplest as well as cheapest form of Life Insurance. We also suggest the best available products in the industry.

Health Insurance: Our experience reveals that individuals without proper health insurance carry higher risk of loosing their wealth. We believe that every individual should protect himself & his family with basic level of Health Insurance. In India, Health insurance is growing and insurance companies are introducing many structured products. Again, some the insurance products are complicated and difficult to understand. We again look at your lifestyle and suggest you the best possible combination of products like Mediclaim, Critical illness & disability cover etc.

General Insurance: We help our clients in getting the best Motor Insurance, Travel Insurance, Home Insurance, Professional Indemnity Insurance, Personnel Accident Insurance products as per their needs.


What is life insurance?

A life insurance policy is a contract typically between an individual (called the insured) and the insurance company (called the insurer), where the insurance company promises to pay a sum of money to the insured's nominee, in the event of the insured's death. Most life insurance policies have a specified term, such as 10, 15, or 20 years. For the nominee to be eligible to collect the insured sum, the insured's death has to occur during the term of the policy. If the insured survives the term of the policy, depending on the type of policy purchased, she/he may or may not receive a sum of money at the end of the policy term. Do I need life insurance? If yes, how much? and why?

Imagine you are the breadwinner in your family and suddenly you were to be taken away from them. Your income flow to the family will freeze.

Would your savings be sufficient to take care of your family's needs from then on?

Life insurance is a tool that can reduce that risk. It replaces your income in the event of your not being there to take care of your family.

Therefore, the most common reason to buy life insurance is to provide your family for the sudden loss of your income. The proceeds from a life insurance policy could be used to support the financial need of your family members.

It may happen that you may not need life insurance coverage at all as you already have enough accumulated wealth to take care of your loved one’s. Likewise, as you grow older and start accumulating wealth, you may need to decrease life insurance coverage.

Once you are convinced and right amount of coverage is determined, buy an insurance policy as soon as possible. The younger you are, the lower the premium you will have to pay and you require the higher insurance cover to make up for the productive years.

People buy car insurance and ignores life insurance People buy car insurance policy from first day for protecting the car. However, most of the car owner’s, do not have the basic insurance coverage for protecting their families. Someone is able to buy the car because of his/her income generating capabilities. Hence, human life is income generating asset whereas car is non-income generating asset. Now, you have to decide the priority of securing the income generating asset v/s non-income generating asset. Please remember car is because of you and not the other way round.

Mis-selling of life insurance In India, life insurance has been sold as a tax-saving product for years. The savings and investment portion has always been on top of the mind - one bought life insurance asking, "What will I get from it?" It has been a quirk of character that allows us all to believe that our lives didn't matter enough to cover the risk of losing it. Hence the value for the risk cover always seemed insignificant.


Moreover, awareness about the actual returns or yields earned on insurance products is quite low. Insurance customers solely depended on insurance agents for product information. The agents dumped high premium plans on the clients, ostensibly to provide higher income (it had a lot more to do with higher commissions to the agents) compared to low premium pure insurance plans or term plans. Which would have given exactly the same benefit at a fraction of the cost?
We recommend you do not mix your investments with insurance.

The next time you are tempted to use insurance as an investment or saving tool, apply the following test:-

In your insurance proposal, remove the portion of the premium allotted to the term policy. Now, taking the remaining part of the payable premium, compare the promised yield in the insurance plan to any pure investment instrument. If the investment instrument yields better returns, your answer is clear - get the term insurance and invest the balance of the proposed premium into the investment product.

There are a variety of life insurance policies out there - some offer a refund of the premium to the insured while some offer a portion of the sum assured. There are yet others who offer the full sum assured to the insured at the end of the term. The trick is to ensure that your insurance plan achieves the primary goal of providing for your family in the event of you not being there.

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I have had never invested money in equity. However, I have been advised to start investing money in equities by Mutual Fund SIP. Now I know, how to take advantage from the equity as an asset class. Thanks for the great advice.

Rahul Saxena – MBA Marketing- IIM

“Thanks for the great service. I didn’t know anything about investing until I called Fcafe.You made it seem easy.”


Gaurav Mahtur- Head -IT

“I have been dealing with Financial Cafe for the last 3 years and I can vouch for professionalism and honesty in all their dealings. I have never had the need to look for another establishment for any of my financial requirements”

Dr. Rajeev Garg

“I used to lie awake nights worrying about how I was going to put two kids through MBA. Now I sleep like a baby. Thank you Financial Cafe”


Renu – Homemaker

I congratulate for good work and wish them best of luck for future.

Jasvinder Singh- Head- India & South-east Asia

Though my comfort in handling technicalities involved in financial domain has always been my forte in the past, Financial Café has helped me develop new insight about the financial planning. Indeed, Financial Café is perfectly suited for all individuals, who seriously believe in shaping the future.

Manoj Verma- Vice president- Sales

The simplicity & clarity in the approach adopted by financial café is remarkable. Their step-up approach is very pragmatic and easy to implement. I found portfolio rebalancing generating better returns as you put more money in equity when share market are lower level and withdraw money when markets are at their peak.

CA. Sachin Gupta

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