Secure Your
Family, Income & Business
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Personal protection
The core policies most households start with, matched to your income and dependents.
Life Insurance
Health Insurance
Individual, Family & Group
General Insurance
Vehicles, Houses & Commercial
Joint Life / Couple Insurance
Group & business insurance
Cover designed for founders, partners and teams — from statutory gratuity to protecting a key decision-maker.
Gratuity & Group Term Schemes
Statutory gratuity funding and group term cover that keep a growing team protected and compliant.
Employer & Employee Schemes
Structured insurance benefits that help businesses reward and retain key staff tax-efficiently.
Keyman & Partnership Insurance
For Business Group
Protects a business against the financial impact of losing a founder, partner or key decision-maker.
MWP Act Schemes
For Business Group
Married Women's Property Act policies that ring-fence a payout for a spouse and children by law.
Car Policy for Contractors
Commercial motor cover built around contractor fleets and the risks that come with them on-site.
All the services we provide
One advisor, every product — life, health and general insurance, investment planning, and cover for business owners, all under one roof.
Life Insurance
Protection cover built around your income and dependents.
Health Insurance
Individual, Family & Group
Cover for you, your family, or your whole team.
General Insurance
Vehicles, Houses & Commercial
Protection for what you own and operate day to day.
Mutual Funds & SIP
Disciplined, goal-based investing built into your plan.
SIIP & ULIPs
Insurance and market-linked investment, combined.
Child Education & Marriage Fund
Planning ahead for the milestones that matter most.
Retirement Solutions & Pension Plans
A steady income plan for the years after work.
Joint Life / Couple Insurance
Shared cover designed around two lives, one plan.
Gratuity & Group Term Schemes
Structured employee benefit schemes for businesses.
Employer & Employee Schemes
Group cover that protects teams and the business alike.
Key Man & Partnership Insurance
For Business Group
Cover that protects a business from losing key people.
MWP Act Schemes
For Business Group
Policies structured under the Married Women's Property Act.
Housing & Vehicle Loans
Financing assistance alongside your insurance planning.
Car Policy for Contractors
Commercial vehicle cover built for contracting work.
Questions people ask before they call
A quick look at what's usually on people's minds — call or message if yours isn't here.
Life insurance, health insurance (individual, family and group), and general insurance for vehicles, houses and commercial property — placed directly with LIC, Star Health, Manipal Cigna and other authorised partners, all through one advisor.
Yes. Mutual funds and SIPs, ULIPs, child education and marriage fund planning, and retirement or pension solutions are all part of the practice — built around your goals alongside your protection cover.
Absolutely. Employer-employee schemes, keyman and partnership insurance, gratuity and group term schemes, joint life and MWP Act schemes for business owners are all handled directly, with the paperwork managed end to end.
Yes — housing and vehicle loan assistance is offered alongside insurance and investment planning, so financing and protection can be planned together rather than separately.
No. An initial conversation to understand your situation and goals is free — a recommendation is only made once your income, dependents and objectives are properly understood.
Soni4u stays the single point of contact for renewals, claims support and any changes in your circumstances — so the policy continues to work for you long after it's signed, not just at the point of sale.
Your right choice starts with one phone call.
Tell us what you want to protect — your income, your family, your business — and we'll bring the right policy to the table.