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The Protect Layer
Insurance must do one job — protect your family from financial catastrophe. We advise exclusively on pure-protection products, never investment-cum-insurance blends that dilute both goals and returns.
Our Approach
The financial services industry has muddied the waters between insurance and investment — creating products like ULIPs and endowment plans that do neither well. At Inverika, we make the distinction clear: insurance is for protection, mutual funds are for wealth creation. Never the two shall mix.
The Protect layer of the 3P Wealth System must be completed before any equity investment begins. Without it, you are building wealth on an unstable foundation.
Pure protection — maximum cover at minimal premium. Sized at 10–15× your annual income to replace your earning capacity for your family. We compare across insurers to find the best cover at the most competitive rate.
Family floater and individual health plans with cashless hospitalisation. We recommend a minimum of ₹10–15 lakh cover — and review it annually as medical inflation erodes coverage value.
A lump-sum payout on diagnosis of a serious illness, to replace income when you cannot work. Often overlooked — always essential for the primary earner in any family.
The Inverika Insurance Philosophy
As your income grows, your liabilities grow — and so should your cover. We review your protection adequacy every year and recommend increases where needed.
Whether it's investing, protection, or planning — we help you structure every rupee with purpose and clarity. No confusion. No guesswork.