Health & Life Insurance Advisory India | Term & Medical Cover by Helmsman

Protect What Matters Most : Your Family, Your Health, Your Child’s Future

Get expert, unbiased advice to choose the right Health and Life Insurance that fits your needs and protects your peace of mind.

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Why Health & Life Insurance Matters

In a world full of uncertainties, insurance is your financial safety net. Whether it’s a health emergency or securing your family’s future in your absence, having the right insurance coverage provides :

Financial Protection against high medical costs or income loss
Peace of Mind knowing your loved ones are covered
Tax Benefits under Sections 80D (Health) and 80C (Life)
Support in Critical Times, reducing the burden on your family

Needs-Based Assessment

We analyze your family structure, liabilities, existing cover, and future responsibilities.

Seamless Onboarding

Application, document support, and health checks handled with minimal hassle.

Plan Comparison & Recommendation

We compare top-rated insurers and explain trade-offs in features, exclusions, and claim settlement ratios.

Ongoing Support

We stay with you during claim filing and renewal decisions. Your peace of mind is our priority.

At Helmsman Financial Services, we help you navigate the complex world of insurance by offering :

Life Insurance Planning

Term Insurance Advisory – High cover, low premium plans tailored to your income and liabilities
Human Life Value Calculation to estimate appropriate coverage
Income Replacement Planning
Tax-efficient structuring of premiums and maturity benefits

Health Insurance Planning

Individual and Family Floater Plans
Top-up and Super Top-up Health Plans
Critical Illness Cover
Guidance on Claim Process and Hospital Network
Ensuring adequate coverage without overpaying

Investment Strategy

Monthly savings plan via SIPs or lump sums aligned with your timeline.

Loan Guidance

Help you compare home loans, understand EMI burdens, and optimize tax savings.

Why Choose Helmsman Financial Services ?

Unbiased Recommendations We don’t push products, we suggest what fits
Holistic Planning Insurance is a tool, not a goal. We integrate it into your overall financial picture
Claim Support You won’t be alone during the stressful times
Expertise You Can Trust As a CA and CFA (US) with deep experience, we understand both the numbers and the emotions behind insurance decisions

Who It’s For

Young families securing financial safety
Professionals looking for term life cover
Parents with dependent children
Seniors needing post-retirement health cover
Anyone seeking peace of mind and income protection

"Insurance isn’t a product, it’s a promise of protection."

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Risk Factors – Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments. Option of Direct Plan for every Mutual Fund Scheme is available to investors offering advantage of lower expense ratio. We are not entitled to earn any commission on Direct plans. Hence we do not deal in Direct Plans.

AMFI Registered Mutual Fund Distributor – ARN-305923 | Date of initial registration – August 31, 2024 | Current validity of ARN – August 27, 2027

Grievance Officer- Mr. Purnank Chandrakant Patel | info@helmsmanfinserv.com