Client Outcomes

Real Businesses,
Real Outcomes

A selection of how corporate insurance and wealth planning engagements have played out for clients across Pune. Client names are used with permission; some details are generalised to protect commercial confidentiality.

Keyman Insurance · Real Estate

Keyman Insurance That Also Cut Corporate Tax

Client: A mid-sized Pune property development firm
Challenge: The company's growth was closely tied to its Managing Director's personal relationships with landowners and financiers — a risk no one had formally quantified or insured.
Solution: A Keyman Insurance policy was structured against the MD's contribution to deal pipeline and personally guaranteed loans, with premiums treated as a deductible business expense under Section 37(1).
Result: The business gained both a funded contingency plan and a reduction in taxable profit — a dual benefit the company's own CA had not previously suggested.

Group Mediclaim · IT Services

Consolidating Three Mediclaim Policies Into One

Client: A Pune-based IT services company (150+ employees)
Challenge: Different departments had signed up for separate group mediclaim policies over the years, creating confusion at claim time and no consolidated view of coverage or cost.
Solution: All three policies were audited, overlapping cover and gaps in maternity and OPD benefits identified, and everything consolidated into a single grade-wise structured programme.
Result: Coverage improved across the board while blended premium reduced meaningfully, with a single point of contact for claims going forward.

Director Retirement Planning · Real Estate

A Retirement Plan Built Inside the Company Structure

Client: Managing Director of a Pune real estate and construction company
Challenge: Most of the director's net worth was tied up in the business itself, with no formal, tax-efficient plan for a retirement income independent of ongoing company performance.
Solution: A Corporate Legacy Income Strategy™ was implemented, combining structured deferred compensation with corporate-owned insurance, aligned with the company's succession timeline.
Result: The director now has a defined, structured retirement income plan, with family wealth transfer mechanisms built in — independent of future business performance.

What Ties These Together

The Common Thread Across These Engagements

None of these three businesses set out looking for the specific solution they ended up with. Each began with a general concern — "we should probably review our insurance," "our retirement plan feels unstructured" — and the actual recommendation emerged only after understanding the business in detail. That sequence matters: a Corporate Insurance Audit or a retirement-planning review is where the real problem usually surfaces, not in the initial conversation.

Two patterns recur across almost every engagement we take on: cover that was purchased reactively years ago and never revisited, and a tax-efficiency opportunity that had gone unnoticed by the company's own accountant simply because insurance structuring sits outside a CA's usual scope of review.

In Their Words

What Corporate
Leaders Say

Rajeev structured our Keyman Insurance in a way that also reduced our corporate tax significantly. The dual benefit was something our CA hadn't even suggested.

Mahendra Yeole

MD, Parth Developers, Pune

Our group mediclaim was a mess — three different policies, zero clarity on claims. Rajeev consolidated everything and improved coverage while reducing our premium.

Prachi Kulkarni

Manager – HR & Admin, Websym Technologies

The Corporate Legacy Income Strategy™ gave me a retirement plan I never thought possible inside my own company structure.

Aniruddha Deshpande

Managing Director, City Corporation Ltd

Frequently Asked Questions

Questions About These Case Studies

Are these real clients?

Yes — the testimonials are from named clients given with permission. Some case study financial specifics are generalised to protect commercial confidentiality.

Will my company's details be published if I become a client?

Never without explicit permission. Confidentiality is standard practice regardless of whether a case study is ever published.

How long do engagements like these typically take?

A straightforward audit and recommendation typically takes 3–5 working days; more complex structuring, like a retirement plan integrated with succession, can take several weeks of iteration.

Does my business need to be a certain size to benefit?

No — the same audit-first approach applies whether a business has ten employees or several hundred; the recommendations simply scale to fit.

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Real Businesses,Real Outcomes