Life Insurance Policy Evaluation

Many life insurance policies are sold as investment products, often resulting in poor long-term outcomes. The Reserve Bank of India clearly advises:

"It is a good practice to not combine savings with insurance. Assess your insurance needs and investment requirements separately." (RBI - Financial Awareness Messages)

At Fauji Wealth, we conduct a number-driven evaluation of existing life insurance policies using actual cash flows, helping investors understand:

• The real returns generated after all costs
• The opportunity loss from inefficient policy structures
• How much of their premium has been or will be lost purely as charges, i.e. money deducted and never invested
• Whether the policy still makes sense, and what corrective action is possible

Our role is to present facts with transparent mathematics, enabling informed and timely decisions aligned with long-term financial goals.

Who Should Opt for This Service?

• Investors holding ULIPs, endowment or money-back insurance plans
• Anyone unsure whether their policy is an investment or an insurance cover
• Investors planning to exit, surrender, consolidate or restructure existing policies
• Serving defence personnel, who are already covered under AGIF and, in most cases, do not require additional life insurance Before paying your next premium, know the truth in numbers.

Get your life insurance policy evaluated and ensure your money is working towards your real goals not getting lost in charges.

FAQs

Regulatory Disclaimer

Life insurance policy evaluation and recommendations are based on client-specific needs and numerical analysis. Insurance advice, where provided, is limited to suitable protection solutions and is independent of investment advisory services.