Insurance & investment · Lucknow
Protect what you
are building. Then grow it.
22
Insurance partners
4
Cover categories
Claims
Support after sale
Goal-led
Investment planning
Protection & growth
The right cover. The right structure.
Insurance is not a tax-saving shortcut or a return product. It is a contract that should do one job extremely well.
Term life insurance
Pure protection sized to your liabilities and family needs — without mixing insurance with an investment you do not understand.
Health insurance
Individual or family floater plans compared on sum insured, room-rent limits, waiting periods, co-pay and network hospitals.
Motor insurance
Comprehensive or third-party cover for cars and two-wheelers, with the add-ons that actually fit how you use the vehicle.
Business insurance
Protection for premises, stock, equipment, liability and key people — reviewed against the risks your business actually carries.
Investment planning
Goal-based SIP and portfolio planning around horizon, liquidity and risk capacity. No promises of guaranteed returns.
Claims support
Help organising documents, coordinating with the insurer and understanding what the policy wording actually covers.
Cover check
How much protection is enough?
A rough estimate to start the conversation. The right cover depends on your family, goals and existing policies.
Indicative cover needed
₹1,28,00,000
Potential gap: ₹1,18,00,000
Review this with an advisorThis estimate is educational and does not constitute insurance advice. Final cover, premium and terms are determined by the insurer and policy wording.
Claims support
Claims are decided by the policy you signed.
Most disputes trace back to an exclusion that was never explained, a disclosure that was skipped or a document that was missing. We work on those details early.
- Policy wording and exclusions explained before purchase
- Nominee and contact details kept current
- Documents organised before an emergency, not during one
- Intimation and follow-up coordinated with the insurer
- Hospital or surveyor coordination where required
- Honest expectation-setting on what is covered
Investing
Plan in this order, not the other way around.
The first question is not 'where should I invest?'. It is 'what is this money for, and when do I need it?'
01
Define the goal
Retirement, education, a home or a business reserve. Each has a different horizon and liquidity need.
02
Fix the horizon
Money needed in two years should not be treated like money needed in fifteen.
03
Match the risk
Risk capacity is about cash flow and temperament, not just a questionnaire score.
04
Review, don't chase
A yearly review of goals and allocation is more useful than reacting to every market headline.
Insurance questions
The questions that matter at claim time.
We will never promise a claim outcome. We will explain the terms clearly before you buy.
Real Factor is a distribution and advisory business, not an insurer. Policies are issued by the insurer. We help you compare options, complete disclosures and understand the terms before you buy.
For most families, pure term cover gives a larger protection amount for a lower premium, and investments are better handled separately. We explain both structures and let you decide based on your goals.
No intermediary can guarantee a claim. Claim decisions are made by the insurer based on policy terms, disclosures and the facts of the claim. What we can do is help you disclose accurately, choose suitable terms and document the claim properly.
Look beyond the premium: sum insured, room-rent or single-private-room limits, co-payment, waiting periods, exclusions, network hospitals and the insurer's claim record. A cheaper policy with a large co-pay can cost more when you need it.
Yes. Investment planning is a separate conversation. We look at your goals, horizon and risk capacity, and we do not require an insurance purchase to discuss a plan.
Inform the insurer as soon as possible. Keep the policy details, ID, medical or vehicle documents and payment records ready. Call our office and we will help you understand the next step and the documents the insurer has asked for.
Insurance is subject to underwriting by the insurer. Policy benefits, exclusions, waiting periods and claim decisions are governed by the policy wording. Investment products are subject to market risk.
Protection review
Do you know what your current policy actually covers?
Share your existing policy or requirement. We will help you read the terms, spot gaps and decide whether a change is worth it.