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Onkar MishraInsurance Advisory
Guides & insights

Understand it first. Decide with confidence.

Clear, jargon-free explainers on the decisions that matter most. Each one links to a tool or page where you can go deeper.

Guide

How much term cover does your family actually need?

A simple, honest framework — income replacement, liabilities and goals — to arrive at a number you can defend.

6 min read
Explainer

Term vs Savings vs ULIP: which job is each one for?

Protection, certainty, or growth — understand what each category is designed to do before you compare them.

7 min read
Checklist

Buying your first policy: a 9-point checklist

Sum assured, term, riders, exclusions, nominee, disclosures — the things worth getting right the first time.

5 min read
Guide

Planning for your child’s education without the panic

Estimate the future cost, account for inflation, and build a funded plan that survives life’s surprises.

6 min read
Insight

Are you on track for retirement? A quick self-check

Corpus, inflation and longevity — the three numbers that decide whether your savings will last.

5 min read
Explainer

How to actually read a policy document

Where the real terms live — benefits, exclusions, waiting periods and charges — and what to look for.

8 min read
Free downloads

Handy tools to take away.

Request either of these on WhatsApp and Onkar will send it across.

Family Protection Checklist

A one-page checklist to review your cover, nominees and protection gaps in 10 minutes.

Get the checklist

Insurance Buyer’s Glossary

Plain-English definitions of sum assured, rider, surrender value, IRR and the terms that trip people up.

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Protection insights, occasionally — never spam.

Practical notes on protecting and growing what matters. Unsubscribe anytime.

Articles are educational and general in nature, and do not constitute financial advice or a recommendation to buy any product. Verify suitability and policy terms with official documentation.

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This website is an informational and lead-generation platform. Insurance products are offered subject to eligibility and applicable terms & conditions. Please read the relevant policy brochure / prospectus and verify suitability before purchase. Tax benefits are subject to prevailing tax laws and may change.