Insurance Solutions
Available across Bengaluru
We help you choose and manage the right insurance for your family, health, business, and profession, with advice and support whenever your needs change.
Pricing Guide
Zero-Cost Financial Health Audit
Core Consultation
- Doorstep Service: In-person visit by a senior advisor to your home or office within Bengaluru limits.
- Risk Profile Assessment: Evaluation of current life stage, liabilities, and dependents to calculate accurate Human Life Value.
- Existing Portfolio Audit: Review of all current policies (including online purchases) to identify coverage gaps, overlaps, or under-insurance.
- Direct Feedback: Honest advice on financial missteps, such as mixing insurance with investment, with realistic goal setting.
Service Experience
- Zero-Cost Model: No consultation or advisory fees charged (revenue generated via product commissions only if you purchase).
- Bilingual Support: Advisory provided in Kannada or English based on client preference.
- Commitment-Free: No obligation to purchase products immediately after the discussion.
Family Floater Health Insurance
Policy Features
- Family Floater Cover: Coverage for self, spouse, and children under a single sum insured (estimates based on ₹5 Lakh to ₹10 Lakh coverage bracket).
- Cashless Hospitalization: Direct billing settlement at network hospitals in Bengaluru and across India.
- Extended Coverage: Includes expenses for Pre-hospitalization (30-60 days) and Post-hospitalization (60-90 days).
- No-Claim Bonus: Cumulative bonus benefits that increase the sum assured for claim-free years.
Concierge Claims Service
- Physical Claims Support: Unlike online aggregators, the provider offers physical assistance during hospitalization to manage TPA interactions.
- Portability Check: Assessment and assistance if porting from an existing corporate or retail policy.
Term Life Insurance Protection
Policy Specifications
- High Sum Assured: Pure life coverage estimates based on ₹50 Lakh to ₹1 Crore payout upon death of the policyholder.
- Age-Based Pricing: Estimates reflect entry ages between 28-35 years (premiums increase with age delay).
- Rider Options: Includes basic estimates for add-on covers like Accidental Death Benefit or Critical Illness riders.
Long-Term Relationship
- Nominee Assistance: Management of paperwork and settlement processes for the family in the event of a claim.
- Policy Servicing: Handling of address changes, nomination updates, and premium payment reminders for the policy tenure.
Doctors' Professional Indemnity Cover
Coverage Scope
- Legal Liability Protection: Covers financial loss arising from claims of error, omission, or negligence during medical practice.
- Defense Costs: Covers legal fees and court expenses incurred during the defense of a claim.
- Target Profiles: Plans tailored for General Physicians, Surgeons (General, Ortho, Cardio), and Consultants.
- Sum Assured Basis: Pricing estimates based on a standard Indemnity Limit ranging between ₹10 Lakhs to ₹25 Lakhs.
Advisor Support
- Claim Assistance: Personal handholding during the legal documentation process.
- Renewal Reminders: Proactive alerts to ensure continuous coverage without break-in periods.
About Insurance Solutions
Why I Do This
Only 27% of folks in Bharat (India) actually know about managing money - "Bharat-dalli kevala 27% prajegalu aarthikavaagi vishayagalannu tilidukondiddare." That's rough. For three decades, I’ve been on a mission to fix this. My job is making sure your family’s dreams don’t crash just because life throws a curveball.
How I Work
I’m not here to sell you random policies. Think of me like a financial doctor. First, I listen and diagnose - what’s up with your finances, what do you want for your people, what’s your hustle. Then, I suggest what fits you. It’s not a one-size-fits-all thing. Your info? Safe with us - no worries.
First Step: Secure Your Family
Life insurance isn’t just paperwork - it’s showing love. If you have folks depending on you, got married, became a parent, bought a home, or started retirement plans, it’s time to look at financial protection for families. The earlier you start, the better - premiums go up with age, especially for term life insurance benefits.
Covering All Bases
I help with the full insurance circle:
- Term insurance: Pure, simple, get it early.
- Health insurance advisor: Don’t rely only on office policies; personal cover means peace of mind.
- Specialized stuff: Business insurance coverage for companies, professional indemnity for doctors (shield against legal mess).
Always By Your Side
I’m here beyond just paperwork. Whenever life changes - new baby, new job, whatever - I’ll check in, review, and keep you reminded so you’re never caught off guard. Change happens, but being ready means you can handle it.
Meet your Expert
Cauvery Associates
My Story
Started way back in 1994, hungry for a better life for my family. Back then, no mobiles, just landlines and chasing clients with directions like 'near the panipuri shop'—if the shop shut, toh gaya (then I was lost)! MDRT 2005 was a big moment, counting numbers till the last day. My mentor, Mr. Appachu, always checked on me. Family has sacrificed, so sometimes I just pack up and escape Bangalore for a bit. Yoga, instrumental music, and just chatting with clients—that's how I recharge. Learnt a lot from them.
My Work
All-in-one Financial Services - We cover financial planning, mutual funds, SIPs, insurance, retirement, tax, wealth management, and even loans. Custom investment portfolio for every client.
Your Financial Doctor in Bangalore - We don’t push products. We listen, diagnose, and give real advice—just like a doctor, but for your money.
Honest, Transparent Advice - No sugar-coating. We stay customer-first, always giving transparent insurance advice and realistic plans.
Legacy & Long-term Care - We keep checking in as life changes. Now, my son Harshit is with us, so our holistic wealth management covers your family for years.