Helping families and professionals choose the right financial protection through personalized guidance and trusted advice.
We think of ourselves less as agents and more as partners in your family's long-term financial confidence.
Every recommendation starts from your income, goals and dependants — not a template.
You'll never be rushed. We explain, you decide — on your own timeline.
Premium reminders, nominee updates, portability guidance — for as long as the policy runs.
End-to-end support for your family at claim time. This is when advice matters most.
A structured protection plan built around your real numbers, not thumb rules.
As an authorized Axis Max Life advisor, we combine expert product access with independent thinking.
Whether you're just starting out, running a family or building a business — the right protection stack looks different. We help you get yours right.
Structured cover to protect your family's income and lifestyle.
High cover, low premium — the foundation of every protection plan.
Ring-fenced protection so your child's education goal stays funded.
Long-horizon planning to build income independence for later years.
Solutions that replace income if illness or disability keeps you out of work.
Continuity cover for founders, partners and closely held businesses.
Protects the business from the financial impact of losing a critical employee.
A structured review of your family's risk exposure and gaps in cover.
A founder-led advisory backed by fellow advisors from research, healthcare and business.
Founder of Zodo Protect and CEO of ZodoWorks, a business technology and process-automation company helping businesses streamline operations and adopt practical technology solutions. Aarthy brings a consultative approach to understanding customer requirements, evaluating solutions and building long-term relationships.
Research spanning tuberculosis pharmacology, pharmacokinetics of anti-TB drugs, drug-drug interactions across TB and diabetes medications, and HPLC analytical method development. Published work includes a sensitive HPLC method for estimation of transitmycin in plasma.
Specializes in orthopaedic physiotherapy, sports injury rehabilitation, back and neck pain, joint pain, post-surgical rehabilitation and home physiotherapy services.
Entrepreneur and founder of Iyal AV Solutions, bringing a business owner's perspective to protection planning for self-employed professionals and small businesses.
Life insurance rarely feels urgent — until it does. When it matters, it matters more than any other financial product you'll ever own.
Replaces your monthly income so household expenses continue uninterrupted.
A financial cushion so your family never has to make hard trade-offs.
Clears home, personal and business loans instead of passing them on.
Ring-fences money for school, college and higher education goals.
Preserves the retirement corpus you are building for your spouse.
Leaves behind stability, not liabilities — a quiet act of care.
A focused conversation about your family, income, goals and existing cover.
We map liabilities, dependants and income gaps into a clear risk picture.
Only the products that fit — with plain-English explanations of every feature.
Accurate proposals, honest disclosures and end-to-end paperwork support.
Annual reviews, servicing updates and claim assistance for as long as the policy runs.
"I had bought a policy years ago without really understanding it. Zodo Protect walked me through my actual needs and helped me restructure my cover. No hard sell, just real explanations."
"As a first-time buyer I was overwhelmed by options. The advisor took the time to understand our two-income household and recommended cover that made sense for us. Refreshingly honest."
"Our business depends on a small team. They helped us structure key person cover for two of our leads. Clear, thorough and quick with the paperwork."
The most common questions we hear — from first-time buyers to families reviewing existing cover.
Term insurance is a pure life-cover plan that pays a lump sum to your family if you pass away during the policy term. Because it has no investment component, premiums stay low and cover stays high — making it the most efficient way to protect your family's financial future.
A common guideline is 10 to 15 times your annual income, plus outstanding loans, minus existing cover. If you have dependent children, add a lakh estimate for future goals like education. Our Life Cover Calculator gives you a personalized number in under a minute.
As early as possible. Premiums are locked in based on your entry age, so buying in your 20s or early 30s can save you significantly over the policy term compared to buying the same cover later.
Ideally until you retire or your major financial responsibilities end — typically age 60 to 65. Buying cover well beyond that period sharply increases premium without proportional benefit for most families.
Level cover keeps the sum assured constant and is the most cost-efficient choice for most people. Increasing cover suits those expecting rising responsibilities (young children, growing loans) but costs more.
Riders are optional add-ons like Accidental Death Benefit, Critical Illness, Waiver of Premium and Terminal Illness. We recommend riders based on your health profile, occupation and dependents — never as a default upsell.
Zodo Protect exists to fix one thing: the gap between what Indian households actually need from insurance and what they often end up buying. We take the time to understand your situation, explain the trade-offs honestly and recommend only what fits.
We are an authorized Axis Max Life Insurance Advisor — which gives us access to a wide product suite while keeping our advice needs-based, not commission-driven. No pressure. No jargon. Just clear guidance you can build a life around.
A 20-minute conversation is usually enough to identify the gaps. No obligation, no jargon — just clear guidance you can act on.
