The Right Cover — Unbiased Advice
Life, health, motor, home, and business insurance — we compare plans across insurers and recommend what genuinely protects you, not what pays the highest commission.
Multi-Insurer Comparison
Best plan across all major insurers
Tax-Integrated Planning
80C & 80D deductions maximised
Claim Filing Support
We stay with you through every claim
500+ Clients Protected
Trusted since 2016 in Chennai
Insurance Solutions for Every Need
From protecting your family to safeguarding your business — we advise on the full spectrum of insurance products.
Protect your family's future
Life Insurance
We help you choose the right life insurance plan — term, endowment, ULIP, or whole life — based on your income, liabilities, and long-term goals.
- Pure term plans for maximum cover
- Endowment & money-back plans
- ULIP for investment + protection
- Claim settlement assistance
Cover medical expenses fully
Health Insurance
Individual, family floater, and senior citizen health plans — we compare policies across insurers and recommend the best coverage for your needs and budget.
- Individual & family floater plans
- Senior citizen health cover
- Critical illness riders
- Cashless hospitalisation guidance
Two-wheeler & four-wheeler
Motor Insurance
Comprehensive and third-party motor insurance for cars and two-wheelers — we help you get the right cover and assist with renewals and claims.
- Comprehensive & third-party cover
- Zero depreciation add-on guidance
- Renewal reminders & assistance
- Claim filing & follow-up support
Protect your biggest asset
Home & Property Insurance
Home insurance covering structure, contents, and valuables against fire, theft, natural disasters, and other risks — for homeowners and tenants alike.
- Structure & contents cover
- Fire, flood & natural disaster cover
- Burglary & theft protection
- Tenant liability coverage
Safeguard your enterprise
Business & Commercial Insurance
Comprehensive business insurance solutions — fire, burglary, public liability, professional indemnity, and workmen's compensation — tailored to your industry.
- Fire & allied perils policy
- Public liability insurance
- Professional indemnity cover
- Workmen's compensation policy
For businesses & employers
Group & Employee Insurance
Group health, life, and personal accident policies for your employees — we help you design a benefits package that attracts and retains talent.
- Group health insurance plans
- Group term life cover
- Personal accident group policy
- Keyman insurance for key personnel
Why Get Insurance Advice from Sarvesh Associates?
We're not just insurance agents — we're your tax and financial advisors who understand the full picture.
Unbiased Advice
We are not tied to any single insurer. Our recommendations are based on your needs — not commissions.
Integrated Tax + Insurance Planning
As tax consultants, we align your insurance choices with Section 80C, 80D, and other tax-saving provisions.
Claim Support
We assist you through the entire claim process — documentation, submission, and follow-up with the insurer.
8+ Years of Experience
Our team has guided 500+ clients across life, health, motor, and business insurance since 2016.
Save Tax While You Stay Protected
Insurance isn't just protection — it's also one of the most effective tax-saving tools available. As your tax consultants, we ensure every premium you pay is aligned with your tax plan.
Section 80C
Up to ₹1.5L deduction on life insurance premiums
Section 80D
Up to ₹25,000 on health insurance (₹50,000 for senior citizens)
Section 10(10D)
Tax-free maturity proceeds on life insurance policies
How We Advise You
Understand Your Needs
We start with a conversation about your life stage, income, dependants, assets, and existing cover to understand what protection you actually need.
Compare & Recommend
We compare plans from multiple insurers — objectively — and recommend the policy that gives you the best cover for your budget.
Hassle-Free Onboarding
We handle the paperwork, proposal form, and documentation so your policy is issued quickly and correctly.
Ongoing Support & Claims
We stay with you beyond the sale — for renewals, policy reviews, and most importantly, claim filing and settlement support.
Frequently Asked Questions
Do I need a separate advisor for insurance, or can my tax consultant handle it?
At Sarvesh Associates, we handle both. Integrating insurance with your tax planning ensures you maximise deductions under 80C and 80D while getting the right cover — without juggling multiple advisors.
How much life insurance cover do I actually need?
A common rule of thumb is 10–15 times your annual income. However, the right amount depends on your liabilities (home loan, dependants, future goals). We calculate this precisely for you.
What is the difference between term insurance and endowment plans?
Term insurance provides pure life cover at low premiums — your family gets the sum assured if you pass away during the term. Endowment plans combine insurance with savings and pay a maturity benefit. For most people, a term plan + separate investment is more efficient.
Can I claim tax deductions on insurance premiums?
Yes. Life insurance premiums qualify for deduction under Section 80C (up to ₹1.5L). Health insurance premiums qualify under Section 80D (up to ₹25,000 for self/family; ₹50,000 for senior citizen parents).
What should I do if my insurance claim is rejected?
Don't accept a rejection without review. Many claims are rejected due to documentation gaps or incorrect filing. We review the rejection reason, help you gather the right documents, and assist with re-submission or escalation to the Insurance Ombudsman.
Is health insurance from my employer sufficient?
Employer group health cover is a good starting point but typically has low sum insured (₹2–5L), no portability, and lapses when you change jobs. We recommend a personal health policy as a backup for adequate, continuous coverage.
Not Sure What Insurance You Need?
Talk to our team — we'll review your current cover, identify gaps, and recommend the right plans for your situation.