Thirty years of insurance consulting · India
Protected, invested, properly advised. Three decades of doing this the careful way. One adviser for cover, capital and credit.
Elite Wealth Associates & Services places insurance, mutual funds, equity and retirement solutions, and loans for Indian families and owner-run businesses — then reviews all of it together, every year.
What we do
Three things, done properly.
Most households buy cover from one person, funds from another and a loan from a third — and nobody sees the whole picture. We hold all three, so a decision on one is never made blind to the others.
Insurance
Protection, saving, motor, fire and home cover — placed on the wording, not the brochure.
Explore coverInvestments
Mutual funds, equity and retirement solutions, built around a goal and a horizon rather than a tip.
Explore investingLoans & mortgage
Home loans, balance transfers and loans against property — arranged on total cost, not the headline rate.
Explore lending01 — Insurance
Five lines of cover.
Choose the one that is on your mind and we will tell you plainly what it should and should not do.
01 — Protection
The income, not the person, is what you are replacing.
02 — Saving
A disciplined habit, with a guarantee attached.
03 — Motors
The third-party exposure is the part nobody prices.
04 — Fire
Reinstatement cost and stock, not the market value.
05 — Home
Structure, contents and the cost of living elsewhere.
10–15×
Annual income is the usual starting point for a sum assured, before debts and goals are added.
- Level term, to the year dependants become independent
- Sum assured tested against loans, not guessed
- Full disclosure at proposal — the single biggest claim risk
Guaranteed
Savings plans combine cover with a return. We show you what the guarantee actually is, and what term plus a fund would have cost instead.
- Endowment, money-back and guaranteed income plans
- Illustrated returns read net, not gross
- Compared honestly against pure protection
Own damage
+ liability
Third-party cover is compulsory and effectively unlimited for injury. That is the exposure that matters.
- Insured declared value set honestly, not to shave premium
- Zero-depreciation weighed on the vehicle's actual age
- Claim intimation handled by us, not by a call centre
Fire &
allied perils
For homes, shops, godowns and small units. Flood, storm and riot usually sit under the same policy.
- Sum insured set on reinstatement value
- Stock declared honestly, so averaging never bites
- Business interruption considered where trade depends on premises
Structure
& contents
Rebuild cost, not market value. Land is not what burns.
- Long-term policies for owned homes
- Jewellery and electronics scheduled where required
- Alternative accommodation cover checked
Thirty years of getting this right.
Ashok Lamba has advised Indian families on insurance for more than thirty years — long enough to have seen how policies actually behave at claim time.
30+
Years in insurance consulting
3
Disciplines under one adviser — cover, capital, credit
5
Associate partners behind the practice
02 — Investments
Capital that has somewhere to be.
Mutual funds, equity and retirement solutions — chosen against a goal and a horizon, reviewed when markets move, and never sold on a tip.
03 — Loans & mortgage
Borrowing costs more than the rate.
A loan and a term policy are the same decision seen from two sides. We size one against the other, so a family is never left servicing debt it cannot carry.
Who we work with
Associate partners.
The practice is backed by established names across insurance, distribution and infrastructure.
Bring whatever you already hold.
Policies, fund statements, a loan sanction letter. We will read all of it and tell you what it does, what it does not, and whether it is worth keeping.