Risk Mitigation & Insurance
Safeguard your family's future and business continuity with comprehensive life, health, and general insurance frameworks.
Who We Serve
Protection strategies tailored to your life stage and enterprise scale.
Families & Individuals
High-coverage term life insurance and comprehensive family floater health plans to ensure your loved ones are always protected.
Business Owners
Keyman insurance, employer-employee schemes, and general liability insurance to ensure business continuity against unforeseen risks.
High Net Worth (HNIs)
Specialized high-sum-assured plans under the Married Women's Property (MWP) Act for robust estate planning and creditor protection.
Our Process
A streamlined approach to securing your coverage.
Risk Assessment
Calculating required human life value and health coverage needs.
Product Selection
Comparing policies across top IRDAI-approved insurers.
Medical & KYC
Facilitating tele-medicals or home check-ups seamlessly.
Policy Issuance
Final issuance and ongoing claims assistance support.
Securing Business Continuity
A growing tech firm was entirely dependent on two co-founders. The sudden incapacity of either would have frozen their working capital lines and jeopardized ongoing contracts.
The Niyati Solution:
We structured a comprehensive Keyman Insurance policy and Employer-Employee scheme. This created an immediate safety net that satisfied their investors' risk requirements while providing tax-efficient benefits to the founders.
Frequently Asked Questions
Why do I need an advisor instead of buying online?
Online platforms act as aggregators. As an IRDAI-registered advisor, we advocate for you during the claims process, ensuring complex medical or business documentation is handled correctly to prevent claim rejection.
What is MWP Act protection?
The Married Women's Property (MWP) Act ensures that the life insurance death benefit goes strictly to your wife/children, protecting the payout from business creditors or loan recoveries.
Do you handle the medical tests?
Yes, we arrange tele-medicals or home check-ups at your convenience through the insurer's partnered diagnostic networks.
Protection Checklist
Pre-Policy Medicals
Depending on age & sum assured, a tele-medical or home diagnostic visit may be required (arranged by us).
Mandatory Documents
Age Proof (Passport/Aadhaar), Income Proof (3 months salary/ITR), and existing policy details if porting.
Issuance Timeline
Digital submission: Instant. Underwriting: 48-72 Hours. Soft Copy Issuance: 5-7 Working Days.
Claim Advocacy Process
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Pre-Claim Documentation Audit We verify your health disclosure history during onboarding to ensure zero claim rejection risk.
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Cashless Facilitation Direct coordination with TPA (Third Party Administrators) during hospitalization for health claims.
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MWP Act Endorsement Expert assistance in securing policies under the MWP Act to protect death benefits from creditors.
Get Covered Today
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