Protect What Matters Most
Insurance is the foundation of any sound financial plan — protecting your family from financial hardship in case of unexpected events. As IRDAI licensed insurance advisors, Integrato provides objective, need-based insurance advisory without bias toward any particular insurer or product.
💡 Protection Gap: Studies show that the majority of Indian families are significantly underinsured. The right insurance coverage is not an expense — it is a critical investment in your family's financial security.
Our Insurance Advisory Services
1. Life Insurance Planning
Your family depends on your income. Life insurance ensures they continue to live with dignity even in your absence. We help you:
- Calculate the exact insurance amount needed (Human Life Value approach)
- Choose the right policy type (term, endowment, whole life)
- Compare premiums across multiple insurers
- Ensure adequate coverage at minimum cost
Our recommendation: For most individuals, a pure term insurance plan provides the highest coverage at the lowest premium — leaving more money for investment.
2. Health Insurance Advisory
Rising medical costs make health insurance non-negotiable. We help you select the right individual/family floater plan with adequate sum insured, minimal exclusions, and cashless network hospitals.
- Individual vs family floater analysis
- Base plan + super top-up strategy for maximum coverage
- Critical illness riders and accident coverage
- Corporate health insurance gap coverage
3. ULIP Advisory
Unit Linked Insurance Plans combine investment with insurance. We provide unbiased ULIP analysis comparing fund performance, charges, and suitability versus pure term + mutual fund alternatives.
- Total cost analysis (mortality + fund management charges)
- Fund performance benchmarking
- Comparison with buy-term-invest-the-rest strategy
- Exit and surrender analysis for existing policies
4. General Insurance
- Home insurance recommendations
- Motor insurance guidance
- Business insurance planning
Our Insurance Philosophy
We believe insurance and investment should be kept separate wherever possible. Our recommendations always prioritise your protection needs over our commissions — which is why we often recommend pure term plans that pay lower commissions but provide maximum benefit to clients.
📋 Note: Integrato is IRDAI licensed to advise on and distribute insurance products. Insurance is a subject matter of solicitation. Please read the policy documents carefully before purchasing.