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When we think of wealth creation, we focus on investments, real estate, or business growth—but often overlook the shield that protects it all: Insurance. Whether you’re a salaried professional, entrepreneur, or HNI, insurance is foundational. It ensures stability, continuity, and peace of mind. Life Insurance secures your family’s future, covering expenses like education or business succession. One should ideally aim for life cover worth 10–12 times of one's annual income. Health Insurance protects against rising medical costs which is approximately in the range of ₹1 lakh to ₹30 lakh or more per hospitalisation. 

 

For entrepreneurs, insurance isn’t optional. Group health and term covers retain talent; liability and asset covers protect operations; Keyman Insurance safeguards against losing critical people. 

 

One should avoid the “It won’t happen to me” trap. Accidents, illnesses, and unpredictability are a part of life. Insurance is bought when you don’t need it, to protect when you might. Wealth grows through investments, but insurance preserves it—shielding against emergencies, liabilities, and disruptions.

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A sound financial plan starts with security, not returns. Prioritise life, health, personal accident, and business covers. It is important to work with an advisor who sees insurance as a pillar of smart planning, not just a product.