Life Insurance for Corporates — Built for People Who Build the Company
RiskBirbal has expanded beyond general insurance into corporate life insurance advisory. Focus: People protection, leadership continuity, and structured long-term planning.
RiskBirbal has expanded beyond general insurance into corporate life insurance advisory. Focus: People protection, leadership continuity, and structured long-term planning.
Compliant advisory with full disclosures
Corporate risk assessment approach
Documentation & audit hygiene focus
Servicing DNA with dedicated assistance
Addressing boardroom priorities with structured life insurance solutions
Secure employee families while protecting employer reputation. Life insurance demonstrates commitment beyond employment tenure.
Mitigate founder/CXO dependency risk with continuity planning. Protect against financial shock from key person loss.
Structured long-term planning with commercial logic first. We do not position life insurance as a tax shortcut.
Our approach combines insurance structuring with corporate governance principles, ensuring solutions align with business objectives and compliance requirements.
Comprehensive evaluation of people risk, financial exposure, and continuity needs.
Clear communication of benefits without misleading tax promises or aggressive selling.
Structured approach to corporate protection, from foundation to selective enhancement
Group Term Life Insurance (GTLI) as foundational coverage for all employees.
Key-person life cover for promoters, founders, and CXOs to protect business stability.
Selective enhancement where financially sensible for specific leadership or retention goals.
Ethical disclaimer: We do not position life insurance as a tax shortcut. Commercial logic comes first.
Understanding your corporate structure, employee demographics, and business continuity requirements.
Designing a tailored stack with clear rationale, costs, and governance considerations.
CA-guided documentation ensuring audit hygiene and regulatory compliance.
Seamless rollout with employee communication support and dedicated claims assistance.
The same protection stack adapts to your company size and needs
Cost-effective group coverage with key-person protection for founders. Simplified administration with clear documentation.
Employee retention tool with ESOP-aligned structures. Leadership continuity planning for investor confidence.
Comprehensive employee benefits with layered leadership protection. Governance-focused documentation and audit trails.
Our multidisciplinary approach combines insurance underwriting, corporate tax guidance, and governance consulting.
With the financial year ending, now is the strategic time to evaluate corporate protection structures. Our advisory approach ensures informed decisions without year-end rush compromises.
Begin with assessment now for April 1 rollout
Designed exclusively for promoters, CXOs, and top management seeking personal and family security through individual policies. Retention-friendly program with governance framework.
Not mass-selling; curated for leadership roles with proper governance.
Individual policies for personal and family financial protection.
Clear criteria for eligible positions
Transparent communication
Clear benefits and costs explanation
Documented beneficiary structure
Corporate policy for participation
Terms for policy continuation
Comprehensive documentation including legal framework, templates, and implementation roadmap
We present benefits subject to applicable laws
Products recommended based on need, not commissions
Full cost transparency before commitment
Clear explanation of lock-in, loans, exclusions
Clear answers to common corporate queries
No. We position corporate life insurance as a people protection and business continuity tool first. Any tax benefits are incidental and subject to applicable laws and the specific structure. We emphasize commercial logic over tax considerations.
We do not push any specific product category. Our advisory approach begins with understanding your corporate needs, risk profile, and governance requirements. Recommendations are based on what aligns with your objectives, not product commissions.
Group Term Life Insurance (GTLI) provides life cover to all employees under a single master policy. It offers financial protection to employees' families in case of unforeseen events. Benefits include simple administration (easy to add/remove employees), cost efficiency, and enhancement of your employer brand as a caring organization.
Yes. Our second layer focuses specifically on leadership & business continuity. Key-person insurance covers promoters, founders, and CXOs to protect the business from financial shock and operational disruption. This can be structured alongside or separate from employee group coverage.
The Elite Member Program offers individual life insurance policies for top leadership, separate from corporate coverage. It includes personalized planning, family security focus, and governance-friendly documentation. Enrollment is selective with clear eligibility criteria and requires employee consent and transparent disclosures.
Our advisor will connect within 1 business day for a confidential discussion about your corporate protection needs.