A trusted financial partner guiding you toward sustainable growth and financial independence.
Protect What Matters Most — Your Family, Your Health, and Your Financial Future
Book ConsultationFinancial planning isn't complete without protection. At Wealth & Beyond, we help individuals and families across India secure their future with the right life and health insurance strategies. Our approach goes beyond selling policies — we design customized protection plans that safeguard your income, assets, and loved ones from life's uncertainties.
With over 15 years of professional experience, CA Jyotika Nalavade and her team ensure your insurance portfolio complements your overall financial plan. We assess your income, goals, dependents, and liabilities to determine the ideal level of coverage — so you're never underinsured or overpaying for unnecessary protection.
Insurance is not an expense — it's a foundation for financial stability. In India, unexpected medical costs and income loss can easily derail years of savings. A well-structured insurance plan shields you from these risks, ensuring your financial goals stay on track even in difficult times.
At Wealth & Beyond, we help you:
We help determine the ideal coverage amount based on your family's financial needs and future goals.
Comprehensive analysis to select the best health plans and riders for your specific requirements.
Strategic planning to account for rising healthcare costs and potential long-term care needs.
Seamlessly incorporate insurance protection into your overall investment and retirement strategy.
Whether it's protecting your loved ones from income loss or ensuring quality healthcare without financial strain, our guidance ensures complete peace of mind.
Pure protection at affordable premiums to secure your family's financial future.
Comprehensive medical coverage for you and your family against healthcare expenses.
Lump-sum payout upon diagnosis of specified critical illnesses for financial support.
Protection against disability or death due to accidents with comprehensive benefits.
Additional coverage above your base health insurance at affordable premiums.
Single policy covering entire family members under one sum insured.
We begin by understanding your financial commitments, dependents, and existing insurance coverage. Then, we perform a detailed gap analysis to identify potential risks and areas that need additional protection.
Understanding your income, liabilities, dependents, and financial goals.
Identifying potential financial risks and insurance coverage gaps.
Recommending the most suitable insurance products based on your needs.
Regular policy reviews to ensure continued alignment with your situation.
Our recommendations are completely independent — we are not tied to any insurance company. This ensures you get advice that's transparent, unbiased, and designed solely for your benefit.
We also help you review your existing policies, avoid duplication, and ensure you're not paying for redundant or low-value coverage. From term insurance to health plans, critical illness, and accidental coverage, every recommendation we make is backed by research and personalized to your situation.
Our insurance advisory services are designed for clients across India, including Mumbai, Pune, Bangalore, and Delhi, who want to secure both their present and future. We work with:
Seeking dependable term and medical insurance plans beyond employer coverage.
Needing comprehensive risk coverage and employee health benefits solutions.
Looking for affordable health protection and long-term financial security.
Ensuring post-retirement medical coverage and income stability.
Whatever stage of life you're in, our goal is to ensure you're financially protected from the unexpected.
Insurance is more than a policy — it's your family's financial safety net. At Wealth & Beyond, we help you make informed, confident choices that balance affordability with protection. With our expert guidance, you can safeguard your loved ones and focus on building wealth — without financial worry.
The ideal coverage typically ranges from 10–15 times your annual income, depending on your family's expenses, outstanding loans, and future goals. We analyze your financial situation and recommend a coverage amount that ensures your dependents are fully protected.
Term insurance provides pure life coverage at a lower premium — it's ideal for protection. Investment-linked plans, like ULIPs or endowment policies, combine insurance with savings or investments but often yield lower returns. At Wealth & Beyond, we help you choose what's right for your priorities and goals.
Employer-provided health cover is often limited and temporary — it ends when you change jobs or retire. Personal health insurance ensures continuous protection for you and your family, with higher coverage, flexibility, and lifelong renewability.
The earlier, the better. Premiums are lower when you're younger and healthier. Early planning also guarantees coverage before any medical conditions arise, keeping your premiums affordable in the long run.
A trusted financial partner guiding you toward sustainable growth and financial independence.
This website is for informational purposes only and complies with ICAI guidelines. Client confidentiality is strictly maintained.