Insurance advice with no product behind it.
We review, structure and advise on complex insurance decisions for promoter families, family offices and NRIs, independent of any broker, insurer or product.
Advisory. Nothing else.
Arcus is an audit-led advisory practice. We examine an existing insurance portfolio, or structure a new one, against the actual financial and family circumstances it is meant to serve: keyman cover, estate and succession planning, cross-border and NRI structures, high sum-assured term cover, and portfolio-wide reviews for promoter families and family offices.
We do not sell insurance, and we do not place it. There is no commission in our advice, because there is no product behind it.
Four areas, one methodology.
- Keyman Insurance Audits Sum assured, structure and ownership, tested against actual enterprise value.
- Estate & Succession Planning Insurance aligned to how a family's wealth actually transfers.
- NRI & Cross-Border Structuring Reviewed against tax and treaty exposure across jurisdictions.
- Family Office Portfolio Audits A full portfolio reviewed as one picture, not policy by policy.
An audit, not a pitch.
Every engagement follows a structured, methodology-led review, built to surface gaps, redundancies and misalignments in an existing portfolio, or to architect one from first principles. The output is a written finding, not a recommendation to buy.
- The advice is yours to act on with any broker or insurer you choose.
- We hold no product relationships and receive no placement income.
- Every engagement begins with a scope letter, before any work starts.
Findings from our audits.
Our written analysis, published as audits complete.
For a conversation about your portfolio, or a family office mandate.
contact@arcusadvisory.in