Protection & estate

The unglamorous safety layer: the two insurance policies that matter, and the will and nominees that get what you build to your family without a mess.

What founders use for protection & estate, ranked by how many answers lean on it.

  1. The free, India-first grounding in what to do with cash once you have it: goals, allocation, SIPs, and not losing it to fees. Zerodha Varsity Course Personal Finance Zerodha Varsity In 13 answers
  2. A no-nonsense, ad-light India personal-finance site: plain math and free calculators for emergency funds, goals, and asset... Freefincal Tool Freefincal: goal-based planning and calculators M. Pattabiraman In 10 answers
  3. A practical India-first reference for keeping personal and company finances (and their tax) cleanly separate. ClearTax Article ClearTax: personal and business tax guides ClearTax In 4 answers
  4. What a health policy actually covers and how to read one, so a founder can hold cover independent of the company rather than... ClearTax Article Health insurance in India, explained ClearTax In 3 answers
  5. The India-specific piece: perquisite tax at exercise, capital gains at sale, and the startup deferral, with worked examples in... ClearTax Article How ESOPs are taxed in India ClearTax

The questions

Insurance that actually matters 8

The two policies a founder with dependents should not skip, and the ones to ignore.

What insurance does a founder actually need? 3 → How much term life cover do I actually need? 2 → Should I buy term insurance or a policy that also invests my money? 2 → How much health insurance should my family have in India? 2 → Can I just rely on the group health cover my startup gives the team? 2 → All 8 questions in Insurance that actually matters →
Wills, nominees, and succession 7

Making sure what you build reaches your family without a mess.

Do I need a will, and what about nominees? 2 → What happens to my money and startup equity if I die without a will in India? 2 → Nominee or legal heir, who actually receives my assets when I die? 2 → How do I make sure my startup shares and ESOPs actually reach my family? 2 → Do I need to register my will, or can I just write it myself? 2 → All 7 questions in Wills, nominees, and succession →
eChai Partner Brands The partnership →