FAQ
Empower your financial future with Geeta.
Securing Your Family’s Future
Life insurance is the cornerstone of any sound financial plan. It provides a guaranteed payout to your nominee if something unfortunate happens to you.
This helps your loved ones:
Maintain their lifestyle
Cover essential expenses
Achieve long-term goals like education or home ownership
It’s not just a policy – it’s peace of mind.
If you’re an employer, offering group insurance is one of the best ways to ensure employee welfare. These plans typically include life, health, and disability insurance, and signal a company’s commitment to its people.
For employees, it’s a valuable benefit, often coming at no cost or subsidized rates..
The rising cost of healthcare is one of the biggest threats to your savings. A robust health insurance plan helps cover:
Hospital stays
Surgeries and treatments
Medicines and ambulance services
It ensures you don’t have to dip into savings or take on debt when facing a medical emergency.
Did you know that a Hindu Undivided Family (HUF) can take life insurance policies for its members? It can:
Pay premiums and claim deductions under Section 80C (up to ₹1.5 lakh)
Pay salaries to working members (which are deductible)
File taxes as a separate entity
This makes HUF a great tool for legacy planning and tax efficiency for families.
It ensures you don’t have to dip into savings or take on debt when facing a medical emergency.
For married men, buying a life insurance policy under the Married Women’s Property Act (MWPA) is a game changer.
Why? Because once the policy is under MWPA:
The sum assured goes directly to the wife and/or children
It cannot be claimed by creditors or relatives
It is legally protected, even during divorce or debt recovery proceedings
All it takes is signing an MWPA addendum at the time of policy purchase. That’s a simple step with lifelong impact.
If you’re a business owner or startup founder, you need to think beyond personal life cover. Keyman insurance protects your business if a crucial team member passes away or becomes incapacitated.
It provides a payout to the company, helping you:
Handle financial losses
Recruit and train replacements
Reassure investors and partners
It’s an essential layer of business continuity planning.
Term insurance is pure protection. It offers:
High coverage amounts
Affordable premiums
A lump sum to your family if you pass away
But here’s the catch: if you don’t structure it right, your family may not receive the benefits directly. Taking it under MWPA can ensure your wife and children are the only legal beneficiaries.
With increasing life expectancy, your retirement could last 25+ years. A good pension plan ensures:
A steady income post-retirement
Tax benefits during investment
A lifestyle that doesn’t rely on children or dwindling savings
It’s the most dignified gift you can give your future self.
Raising children is joyful – but financially demanding.
Two products I strongly recommend:
Child Education Plans – Life insurance + savings for school/college fees
Daughter’s Marriage Policy – Investment plans that create a dedicated fund for her life milestones
These plans ensure your aspirations for your child are fulfilled, no matter what life throws at you.
Contact Geeta Raghani
Ask her anything on insurance and other financial investments. Book a consultation online / off-line.
FAQs
We provide personalized insurance planning, retirement planning, and wealth management solutions tailored to your needs.
Client satisfaction is paramount; we focus on transparent communication and personalized solutions for financial needs.
Our approach involves understanding your individual goals and creating a customized strategy that meets those objectives.
Absolutely! We offer online consultations to make access to our services easy and convenient for everyone.
Geeta combines extensive experience with a compassionate, client-centered approach, ensuring you receive the best guidance possible.
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FAQs
We provide personalized insurance planning, retirement planning, and wealth management solutions tailored to your needs.
Client satisfaction is paramount; we focus on transparent communication and personalized solutions for financial needs.
Our approach involves understanding your individual goals and creating a customized strategy that meets those objectives.
