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Shivaay Financial Services · Kolkata, West Bengal

Everyone needs something, someday.

A child’s education. A retirement. A family that outlives you. Wealth that grows. One plan for each, and one plan that brings them all together.

  • 3Years advising families
  • 100+Families advised
  • 6Plans built around a goal
Four futures

Four plans. Four premiums?

Most families need more than one of these, and few budgets stretch to a plan for each. So we designed one plan that brings them together.

See Sudarshan Chakra

The wheel shows what each plan is built to support. It is not a measure of returns, and how a plan fits your family is confirmed one to one.

For business owners

Let your business pay for it.

Any of these plans can be sponsored by your business. The business pays the premium and saves tax on it. The policy is in your name, so you and your family are the ones covered.

  • Who paysYour business
  • Who is coveredYou and your family
  • What it savesBusiness tax
How it works for your business

Tax benefits are as per prevailing tax laws and may change. Whether and how much a business can claim depends on its structure. Speak to your tax advisor.

Three generations

The line doesn’t end with you. It forks.

You pay your premiums and you are covered. Where your cover ends, your child’s begins, and the company pays their premiums, not them. And when that cover pays, it pays your grandchildren. One decision, three generations.

Who holds your policy

Your policy sits with the insurer, in your name

We are not the insurer and we do not hold your money. The policy is issued on the insurer’s paper, in your name, and the contract is between you and them. What we do is choose it well, get the paperwork right, and stay with you afterwards, including at claim time.

  • Issued by a licensed life insurerEvery plan here is underwritten and issued by an IRDAI-registered life insurance company.
  • The same person throughoutWhoever explains the plan to you is the person who answers the phone at renewal, and at claim.
  • Nothing is held by usPremiums go to the insurer directly. We never take custody of your money.
Partner with us

Introduce people you know. We do the rest.

You do not need capital, a background in finance, or fixed hours. You need people who trust you. There is one short step to get started, your own licence, and we walk you through it. From then on the business you introduce is yours.

How it works
  • Homemakers

    Work that fits around the household, with no capital to put in and no hours to keep. Your own licence, in your own name.

  • After retirement

    Three decades of judgement and a network nobody can buy. Work at your own pace, for as long as you want to.

  • Professionals and business owners

    Your circle already asks you about money. This lets you answer properly, and be paid for it in your own name rather than someone else’s.

No obligation

Start with a conversation

Tell us what you are trying to sort out. We will tell you honestly whether we can help.

Insurance is the subject matter of solicitation. Market-linked values are projections, not guarantees. Investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future.